Student Personal Accident Insurance

It is important to advise Finance & Insurance Officer, Financial Services on (02) 4221 5236, of any claim notification or of a situation that may give rise to a possible claim as soon as possible.

The University currently maintains a Group Personal Accident Insurance Policy. This policy provides cover for Personal Injury to students whilst on Campus and undertaking the following activities;

• University, Course or Sport related activities, including Field Trips; and
• Practical or Community Placement, including Work Experience, provided it is directly related to the students course of study.

Protection is subject to certain terms, exclusions, conditions and limitations.

Schedule (Coming Soon)

Policy Wording and PDS

Claim Form

ACE Insurance

Please note that the following FAQ’s are to be used as a guide only.  You should read the Product Disclosure Statement (PDS), Policy Wording and Policy Schedule to be fully aware of the Exclusions, Inclusions, Terms & Conditions.

FAQ's:
WHO IS COVERED UNDER THE UNIVRSITY'S GROUP PERSONAL ACIDENT POLICY?
WHAT CAN I CLAIM?
CAN I CLAIM MY DOCTOR'S VISITS?
I HAVE PRIVATE HEALTH COVER; CAN I STILL CLAIM ON GROUP PERSONAL ACCIDENT INSURNACE?
I NEED TO HAVE ONGOING TREATMENT. HOW LONG CAN I CLAIM FOR?
I INJURED MYSELF WHILST PLAYING FOR ONE OF THE UNIVERSITY'S CLUBS AND THEY HAVE THEIR OWN INSURNACE. WHO DO I MAKE A CLAIM THROUGH?
HOW DO I MAKE A CLAIM?

WHO IS COVERED UNDER THE UNIVERSITY’S GROUP PERSONAL ACCIDENT POLICY?
Please refer to the above Policy Schedule.

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WHAT CAN I CLAIM?

• Non-Medicare medical expenses;
• Bed Care allowance (for confinement to bed with the care of a nurse for not less than 48hrs);
• Home Tutorial Benefits;
• Direct travel to and from the abovementioned activities within Australia
• Domestic Help/Child Minding Services (carried out by persons other than relatives or persons permanently residing with you);
• HECS and/or PELS;

Please refer to the Student Personal Accident Schedule for Maximum Claim Limits and excess amounts.

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CAN I CLAIM MY DOCTORS VISITS ?
Most doctor consultations are claimable on Medicare.  Only Non-Medicare related expenses are covered, as the Health Insurance Commission Guidelines state that it is illegal for insurers to pay any Medicare related costs.

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I HAVE PRIVATE HEALTH COVER; CAN I STILL CLAIM EXPENSES ON GROUP PERSONAL ACCIDENT INSURANCE?
You must declare on the claim form that you have private health cover.  You will need to claim through your private health cover first then claim any remaining amounts under this policy. 

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I INJURED MYSELF WHILST PLAYING FOR ONE OF THE UNIVERSITY’S CLUBS AND THEY HAVE THEIR OWN INSURANCE.  WHO DO I MAKE A CLAIM THROUGH?
Students injured from their involvement in playing/training with the UOW clubs do have basic cover under their own policies, and, compensation should be sought from the clubs policy first.  Should certain incidents or losses not be covered by club policies, such as loss of wages, then a claim may be made under the UOW Ace policy provided it includes confirmation from the club’s insurer that the claim loss is excluded under the club’s policy.  Once limits have been exhausted under the club’s policy, students may then submit a claim under UOW’s ACE Policy.

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I NEED TO HAVE ONGOING TREATMENT.  HOW LONG CAN I CLAIM FOR?
If the treatment is associated with your initial injury, you may claim for up to 12 months from the date of injury. 

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HOW DO I MAKE A CLAIM ?

You will need to:

1. Complete the “Group Personal Accident” claim form.
2. Attach supporting documentation i.e. receipts, quotes, medical certificates.
3. Forward the completed form and documents to Finance & Insurance Officer, Financial Services, Building 36, University of Wollongong, Wollongong, NSW 2522.

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