Our accident insurance policy provides cover (subject to the terms, conditions and exclusions of the policy), if you are involved in an Accident on a campus or participating in or travelling to a University endorsed event (such as professional placement or sporting activity).
The Student Personal Accident policy provides safety net cover only. It is highly recommended that all students seek professional advice to ensure that they have adequate covers in place, taking into account their personal circumstances.
How to submit a claim
Report your accident
See the Student Liaison Officer on your campus and provide an account of your accident/incident as soon as possible or get someone else to report the accident/incident.
Complete official insurance form
If cover applies, you will need to submit the insurance company's Accident/Incident Report form [PDF], which is also available from your Student Liaison Officer. You will also need to provide a report from your medical practitioner and any receipts you already have. Your Student Liaison Officer will then notify the Insurance Company and the Charles Sturt University Insurance Officer of the accident/incident.
Reimbursement by insurance company
Your Student Liaison Officer will keep you informed of the progress. Benefits payable are generally direct credited to your bank account.
It is imperative that the student notifies the Student Liaison Officer as soon as possible after the incident. A claim form must be submitted as soon as practicable, or within 30 days.
What is covered
- Lump Sum Benefits covering death, loss of limb or permanent disablement up to a maximum $55,000.
- Weekly income benefits as a result of Bodily Injury: 85% of salary up to a maximum of $450 per week applies if injury occurs during sanctioned University activities and you are temporarily unable to perform your usual work. Maximum 104 weeks and 7 days exclusion / excess period.
There is an exclusion / excess period of 28 days for any loss arising from participation in any form of sport.
- Fractured Bones lump sum benefit (maximum $2,000)
- Modification Expenses (maximum $10,000)
- Out of Pocket Expenses (maximum $2,000)
- Emergency Home Help (maximum $250 per week for 52 weeks)
- Student tutorial costs (maximum $250 per week for 52 weeks)
- Tuition or Advice Expenses (maximum $4,500)
- HECS and postgraduate fees (maximum $10,000)
- Unexpired Membership Benefit
- Chauffeur Services
- Accidental HIV Infection Benefit
- Bed Care
- Terrorist Injury Benefit
- Childcare Benefit
- Work Experience Benefit
- Workplace Assault Benefit
- Workplace Trauma Benefit
- Air or Road Rage Benefit
- Carjacking Benefit - Excess and Vehicle Hire
- Carjacking Assault Benefit
- Reconstructive or Cosmetic Surgery Benefit
Sport Association Co-Insurance: No cover will apply where a covered Person is Insured through the Covered Person's own sporting association.
Please note all benefits/covers have strict meanings as defined and detailed in the Policy Schedule and Wording. If further information is required, please request at firstname.lastname@example.org
The Policy also pays benefits in relation to Non-Medicare Medical Expenses
- Expenses incurred within 12 months of sustaining a Bodily Injury
- Expenses for Doctor, Physician, Surgeon, Nurse, Physiotherapist, Chiropractor, Osteopath, Hospital and/or Ambulance services for the following treatments:
- Medical, Surgical, X-ray, Chiropractic, Osteopathic, Physiotherapy, Hospitalisation, Nursing treatment.
What the policy excludes
- Dental Treatment, unless such treatment is necessarily required to teeth other than dentures and is caused by a Bodily Injury
- Services for which the insured is eligible to receive Medicare benefits
Important Conditions Applying to Non-Medicare Expenses
- Benefits are only paid after claims are made on Private Health Insurance providers
- No benefit is payable on the gap between the Medicare rebate and invoiced amount
- Maximum claim is $10,000. Excess is $50 each and every claim
Upfront payments and excess
You are required to pay the expenses up front and will be reimbursed. The excess on Non-Medicare Medical Expenses items is $50.00 each and every claim and this is deducted from any reimbursements due.