Personal accident insurance

The University provides Personal Accident insurance for all students, covering some costs you might incur following an injury sustained while undertaking University activities.

Who is covered?

  • All enrolled full-time and part-time students
  • Non-University students participating in affiliated MU Sport club activities
  • College residents participating in intercollegiate sport

When does cover apply?

Cover applies while you are engaged in an authorised University activity, such as:

  • Attending lectures or other classes
  • Participating in student club activities, including social events (eg Commerce Students Society, K-Pop club etc)
  • Participating in affiliated MU Sport club competitions or training sessions
  • Participating in intercollegiate sport, if you are an enrolled student or college resident

What does the policy cover?

Personal Accident insurance provides three main types of benefits:

  1. Lump sum benefit: paid following an injury that results in death or a ‘capital event’, such as permanent total disability, paraplegia, quadriplegia, or loss of a limb/vision/hearing
    • Student benefit: $500,000 maximum
    • Non-student benefit: $100,000 maximum
  2. Weekly benefits: paid following an injury that prevents you from continuing to work, provided your employer is not paying you sick leave
    • Student benefit: 85% of pre-injury salary up to max $400pw, 7-day waiting period, max 104 weeks
    • Non-student benefit: 85% of pre-injury salary up to max $300pw, 14-day waiting period, max 104 weeks
  3. Non-Medicare medical expenses: up to $20,000 cover for Non-Medicare medical expenses. There is a $50 excess for each claim, and the costs must be incurred within 12 months of the injury occurring.

    ‘Non-Medicare medical expenses’ means costs that do not have a Medicare Benefits Schedule (MBS) item number, or were not covered by your private health insurance or OSHC, if you have it. The policy is also unable to cover the Medicare ‘gap’, which is the difference between the benefit paid by Medicare, and what the doctor/hospital has charged you. For example, if the MBS item number lists a benefit of $500 but your doctor has charged you $800 for that item, the $300 difference is referred to as the ‘gap’ and is payable by you, or it may be covered by your private health insurance or OSHC, if you have it.

    Personal Accident insurance cannot cover the MBS benefit, or the gap, or any amount covered by your private health insurance or OSHC, if you have it. This is Commonwealth law.

    Typical costs claimed for under this policy include emergency ambulance, physiotherapy, osteopathy and chiropractic treatment.

    Note: some items on a doctor or hospital’s invoice may include an MBS item number but also have a statement such as “these fees are not claimable via Medicare”. In such cases these costs can usually be covered. Please include them in your claim and allow the insurance company to assess this.

Motor vehicle/transport accidents

If you are injured anywhere in Victoria in any kind of transport accident, your medical treatment costs will be covered by the government-run Transport Accident Scheme.  This includes any accident involving a car, bus, train, tram or motorcycle, and includes pedestrians or cyclists if one of the former is also involved.  The University is not involved in the TAC scheme. Please contact the TAC for further information.

How do I make a claim?

The Claim Form can be downloaded at the link in the Documents section below. Once completed it can be emailed to the insurer at AHClaims.AU@chubb.com. Please include any supporting documentation such as incident or medical reports, hospital/doctor receipts or sick leave notes from your employer.

Claims are paid by the insurer on a reimbursement basis. You must pay for the treatment first, and then once your claim is accepted, the insurer will reimburse you, minus any applicable excess.

For claims arising from MU Sport activities, please contact the MU Sport Clubs Coordinator, Tom Mullumby, at Clubs-Coordinator@unimelb.edu.au.

For all other claims, support is provided by the Insurance Office which can be contacted via Stop1.

More Information

Please contact either Stop 1 or the Insurance Office.

Documents