Insurance for Student Placements

Work Experience / Field Trips / Site Visits

Students participating in placements do not receive workers compensation entitlements.
Medical expenses incurred on placement should initially be claimed on Medicare or private health insurance as applicable.

Conditions for Insurance Cover:

The Placement is relevant to the students current Program of study.
The Placement is University approved (by way of a completed FS23 form or Affiliation Agreement)
FS23 form or Affiliation Agreement has been signed by the host organisation.
No payment for services is being received by the student.
The Placement does not exceed 16 weeks. (Placements are not insured past 16 weeks unless approved in advance by the Insurance Office).
The Placement does not extend past the students study end date. (Specifically once the student has qualified to graduate).
Placements in the USA or Canada can not be approved without first seeking advice from the Insurance Office. There are limitations on the insurance we hold in these countries.

Public Liability - provides cover for the negligent acts of a student that results in property damage, illness or injury to a third party (excluding professional services).
Professional Indemnity - provides cover for the negligent actions of students in respect to breach of professional duty and/or the execution of professional services (excluding medical duties/activities).
Medical Malpractice - provides cover for the negligent actions of students in respect to medical duties/activities, including but not limited to the provision of advice, therapy, treatment or medication.
Student Personal Accident⁽¹⁾ - provides cover for students while on placement and while travelling directly to and from placement. This policy is a capital benefits policy providing benefits for: temporary or permanent total disablement; death; loss of income; and limited medical. This policy does not include cover for medical expenses incurred within Australia that are covered (in whole or in part) by Medicare.
Travel Insurance - when a placement is a compulsory program requirement and a student is required to travel more than 100kms the University may be able to provide students with travel insurance. This policy provides cover for: emergency overseas medical expenses; loss/theft or damage to baggage and belongings, electronic equipment; loss of deposits or travel documents; personal liability etc. You need to contact the Insurance Office for an assessment on your eligibility.

⁽¹⁾Uninsurable Medical Expenses

Uninsurable medical expenses refers to any, or part of any, expenses for which a Medicare benefit is paid or payable including the balance of any monies due or payable by the patient after deduction of any Medicare benefit or rebate from the actual expenses incurred, commonly known as the Medicare Gap.
The National Health Act 1953 - Sect 67 “prohibits Insurers who are not a registered organisation, from making any payment or contribution for Medical expenses which are claimable through Medicare.”