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Personal accident

  • Who/What is covered?

    The policy provides a range of benefits in the event of accidental death or accidental bodily injury whilst undertaking UNSW authorised activities. It does not cover claims arising from sickness, illness or disease.

    The benefits and the amounts payable vary between staff, students, Sporting Club Members, voluntary workers, UNSW guests & invitees.

    The policy provides cover to the following people:

    • All Members of the University Council
    • Staff of UNSW (Academic & Non-Academic)

    Cover applies whilst a staff member is on or off campus acting in the interests of UNSW or involved in UNSW business including authorised overseas travel.

    • Full and Part time Students enrolled in UNSW

    Cover applies whilst a student is on or off campus acting in the interests of UNSW or involved in UNSW business such as attending a conference, conducting fieldwork, or participating in an approved overseas exchange program

    • Members of the Sporting Club

    Cover applies whilst members are on or off campus representing the UNSW Sporting Club or involved in UNSW Sporting Club business including authorised overseas travel.

    • Voluntary Workers, Guests and Invitees of UNSW

    Cover applies whilst an insured person is on or off campus acting in the interests of UNSW or involved in UNSW business including authorised overseas travel.

    The policy provides cover both here in Australia and overseas. For all approved UNSW activities, cover is automatic and no application forms are required. There is no cover for partner/spouse and dependent children under the policy.

    Please contact Azita Karpour (02) 9385 1980 for further details.

    What is not covered?

    What is Not Covered?

    • Claims arising from a Covered Person training or participating in professional sport of any kind are excluded
    • Claims arising from intentional self-injury, suicide or any illegal or criminal act committed by a Covered Person are excluded
    • Claims arising from sickness, illness or disease are excluded
    • Claims arising directly or indirectly from a Covered Person being under the influence of intoxicating liquor, including having a blood alcohol content over the prescribed legal limit whilst driving, or being under the influence of any other drug unless it was prescribed by a Doctor and taken in accordance with a Doctors advice are excluded
    • Claims arising from the Covered Person suffering from neurosis, psychosis, mental or emotional stress or anxiety condition, physical fatigue and/or associated disease or disorder are excluded
    • Claims arising from a Covered Person flying in an aircraft or aerial device other than as a passenger in an aircraft licensed to carry passengers are excluded
    • Claims arising from any pre-existing medical condition are excluded
    • Claims arising from war, invasion or civil war are excluded
    • Claims arising from pregnancy or childbirth, except for unexpected medical complications or emergencies are excluded
  • If something goes wrong?

    Enquiries can be directed to Azita Karpour (02) 9385 1980 of Insurance.

    Making a Claim

    To make a claim please complete the Personal Accident claim form and forward it to the address below along with your invoices, receipts and relevant documents:  Download the form

    The last page of your claim form must be completed by an authorised staff member (e.g. Head of School, Academic Supervisor, School Administration.)

    • Scan and email to: A&H.Claims.Australia@acegroup.com
    • If you are unable to lodge your claim electronically, keep a copy of all documents and submit original and supporting documentation to: ACE Insurance Ltd, GPO BOX 4065, SYDNEY, NSW, 2001

    It is advisable to keep a copy of all your documents

    To receive a copy of UNSW Personal Accident policy please contact Azita Karpour on (02) 9385 1980.

Medical Expenses

Medical Expenses that are recoverable from any private health insurance fund, or Medicare. This includes the Medicare gap, which is the difference between the payment made by Medicare and the Medicare Benefits Schedule fee for the expense.

The following excesses will apply to claims where cover is applicable:

Weekly Injury Benefit, Student Tutorial, Emergency Home Help Bed Care / Extra cash

7 Day waiting period  

Injury Assistance Transport / Chauffer Plan

3 Day waiting period

Weekly Injury Benefit - Sports Injury

28 Day waiting period

Non Medicare Medical Expenses

$50

The policy does not cover persons aged 80 years and over. In addition, there is no cover under Section 1 of the Policy for Event 2 (Permanent Total Disablement) or Events 25, 26, 27 or 28 (Temporary Total Disablement and Temporary Partial Disablement) with respect to any Covered Person who is over seventy-five (75) years of age.

Also, the UNSW Group Personal Accident policy does not provide cover for accompanied spouse and children or whilst a Covered Person is undertaking any associated leisure or incidental private travel.

For more information please contact Finance Helpdesk on financehelp@unsw.edu.au or call extension 53330.