Personal Accident Insurance
SCOPE OF COVER
All students currently enrolled at the University are protected by Student ‘Personal Accident’ Insurance covering most injuries received, only whilst undertaking, and travelling to and from their approved University-related activities, including University sport activities, Student Work Experience / Field / Outside Placements.
This insurance provides similar cover to that offered by Private Health Insurance, such as hospital, ambulance, physiotherapy and ancillary benefits. This policy does provide cover for capital benefits (death, loss of limbs etc) in respect of 24 hours, 365 days per year. Cover is also provided for University related incidents involving the contraction of HIV / AIDS (conditions apply).
The “Non-Medicare” Medical Expenses protection provided – does not cover any part of medical expenses incurred where a Medicare “Item Number” and a subsequent benefit is payable. This is due to Section 67 of the Australian Federal Government’s “National Health Act”, 1953, as amended.
Benefits under this Insurance only apply for a maximum period of up to twelve (12) months from the date of injury.
Therefore students who are not treated by a medical practitioner who ‘bulk-bills” for their services, will be “out of pocket” for any shortfall that arises between the medical service charge and Medicare’s “schedule fee”, commonly referred to as the “Medicare gap”.
HOW TO MAKE A CLAIM:- The Accident must be reported – in writing, as soon as practical, to the Insurance Office.
- The Insured Person must complete and return the Claim Form to the Insurance Office, together with supporting documentation – including:
- A copy of the University of Melbourne’s - Incident Report, if one has been issued.
- A Letter on the University Club/ College / Department Letterhead, from a Senior Representative of the organization, confirming that the injury was received during an associated organization activity/
- A copy of relevant “Non-Medicare” expenses incurred, which are not otherwise claimable from the Insured Person’s own private health insurance arrangements.
- Note: that due to Federal Government legislation, Medical Expenses which have a “Medicare Item No.” - such as a Doctors Consultation, Surgeons fees or X-ray expenses - can only be claimed against “Medicare”. Resultant “Out of Pocket Expenses” (commonly referred to as the "Medicare Gap"), due to section 67 of the National Health Act, 1953, as amended.) –is Not covered by this Policy.
- Benefits only apply for a maximum period of up to twelve (12) months from the date of injury.