Personal accident insurance - student & members

This policy applies to all students, staff and members while engaging in activities authorised by and under the control of The University of Western Australia including direct uninterrupted travel to and from such activities.

The policy is designed to protect against the inconvenience and financial loss that comes with accident or illness. Or in the case of disablement or death, this policy can pay a lump-sum benefit.

Benefits

• Capital benefits for accidents resulting in death and permanent disablement
• Medical benefits - reimbursement of non-Medicare medical expenses
• Weekly injury benefits for defined categories
• Broken/fractured bones benefits

Conditions

Medical expenses that may be claimed either in part or full through Medicare or private health insurance cannot be claimed on this policy.

The Medicare Gap (difference between the doctor's bill and the refund from Medicare) is not claimable. The Health Insurance Act 1973 (Commonwealth) strictly prohibits any general insurer from insuring any item that is listed on the Medicare Benefits Schedule. Hence regardless of your out of pocket expenses, it is against the law for the insurer to cover the Medicare Gap.

Making a claim

Complete the Personal Accident Claim Form and submit to AHI at [email protected] and copy in Aon at [email protected].

Personal Accident Claim Form [PDF 291KB]

The Non-Medicare Medical Expenses Claims Process document explains the steps involved in claiming non-Medicare items.

Non-Medicare Medical Expenses Claims Process [PDF 142KB]

All injuries likely to result in a claim being submitted must be promptly notified to Aon. The claim form is required to be completed in full and returned together with original invoices and receipts and/or Statement of Benefit.

Excesses/deductibles

Students are required to pay the first $50 of every medical claim.