Personal accident insurance

Paid if an injury results in death or a ‘capital event’, such as:

• permanent total disability
• paraplegia or quadriplegia
• loss of a limb
• loss of hearing
• loss of vision

Maximum benefit:

• Students: $500,000
• Non-students: $100,000

Paid if an injury prevents you from working and your employer is not paying sick leave.

Student benefit

• 85% of pre-injury salary
• Maximum $400 per week
• 7-day waiting period
• Maximum 104 weeks

Non-student benefit

• 85% of pre-injury salary
• Maximum $300 per week
• 14-day waiting period
• Maximum 104 weeks

Provides cover of up to $20,000 for eligible non-Medicare medical expenses.

A $50 excess applies to each claim and expenses must be incurred within 12 months of the injury.

Non-Medicare medical expenses are costs that either:

• do not have a Medicare Benefits Schedule (MBS) item number, or
• are not covered by your private health insurance or Overseas Student Health Cover (OSHC), if applicable.

Personal Accident Insurance cannot cover any part of a medical expense that is payable under Medicare.

This includes both the Medicare benefit and the Medicare gap, which is the difference between the amount paid by Medicare and the amount charged by your healthcare provider.

Common expenses claimed under this policy include:

• emergency ambulance services
• physiotherapy
• osteopathy
• chiropractic treatment

Medical expenses not claimable through Medicare

Some items on a doctor's or hospital's invoice may include an MBS item number but also state that the fee is not claimable through Medicare. These costs may still be eligible under the Personal Accident Insurance policy.

If you're unsure whether an expense can be claimed, include it in your claim submission and allow the insurer to assess your eligibility.