Personal Accident Insurance
The University has taken out a Group Personal Accident Insurance policy on behalf of all students whilst they are on campus and/or engaged in University/course/sport related activities and/or practical placement or community placement activities including necessary direct travel to and from such activities within Australia.
What is insured against?
The policy covers the insured persons for:
- 'Capital Benefits' such as Accidental Bodily Injury resulting in Death, Permanent Total Disablement, Incurable paralysis of all limbs, Total loss of sight of one or both eyes, Total loss of use of one or more limbs, fingers, toes, among other injuries;
- 'Weekly Injury Benefits' for income earners unable to return to work or able to return to work only in a reduced capacity due to Accidental Bodily Injury;
- 'Weekly Injury Benefits' for income earners unable to return to work or able to return to work only in a reduced capacity due to Sickness or Disease;
- Broken bones resulting from Accidental Bodily Injury;
- Home Tutorial Expenses (85% of actual cost) for full-time students;
- A proportion of the HECS and/or Postgraduate Fees if the insured person is unable to undertake any further studies whatsoever as a result of Accidental Bodily Injury;
- Overseas Medical Expenses;
- Non-Medicare Medical Expenses including Ambulance cover.
What isn't insured?
There are some general exclusions applying to the policy including claims arising out of the insured person travelling in any unlicensed aircraft; participating in or training for any professional sport; sickness or disease arising out of pregnancy, childbirth or miscarriage, any pre-existing condition, among others.
The cover applies only to those persons over 15 years and under 80 years of age at the date of the claim.
Cover is provided world-wide except that Medical Expenses are covered only if incurred outside the territorial limits of Australia and/or are not subject to any full or partial Medicare rebate nor recoverable by the insured person from any other source (ie. unless they are non-Medicare Medical Expenses).
Note: Non-Medicare Medical Expenses are those expenses for which there is no full or part Medicare benefit/rebate payable. The balance of monies payable after any Medicare benefit or rebate ie. the Medicare 'gap', is not and, by law, cannot be covered.
For medical expenses for which the patient is eligible for a full or partial Medicare rebate eg doctor or hospital outpatient visits, payment is the responsibility of the patient and a claim must then be made direct with Medicare. Such expenses are not claimable under this policy and the University will not be responsible for their payment.
Cover may be limited by certain other conditions and exclusions not listed here.
The policy excess is $50 ie. the claimant pays the first $50 of the claim.
Notice of Claim
Any occurrence or loss which may give rise to a claim under the policy should be reported to the insurer in writing within 30 days of the occurrence or loss.
The Personal Accident insurance policy is administered by the Manager, Insurance and Risk Management, Kazia Lombardo [t: 6620 3696; e: firstname.lastname@example.org]
Updated: 16 July 2012