Personal Accident

This insurance covers the University of Adelaide and all affiliated bodies if they are injured in an accident.

Who is covered?

This policy covers the following groups:

Category Certificate of Currency & Cover Summary Policy Wording Claim Form
Staff (for Journey Accident only – injuries while on direct travel to and from work) Category A PDS Journey Accident Claim Form
Students (full-time, part-time, and financial members of Adelaide University Sport) Category B PDS Personal Injury Claim Form
Students undertaking work experience Category D PDS Personal Injury Claim Form
Council, Committee, Board of Directors, University volunteers (registered) Category E PDS Personal Injury Claim Form

    What and when does the policy cover? 

    This insurance applies to injuries sustained while participating in authorised University activities, and for direct travel to and from these activities.

    Important exclusions

    If you sustain an injury, this policy may help cover expenses such as medical bills and necessary rehabilitation equipment. Some expenses are excluded under this policy.

    Medicare expenses

    • If you are an Australian resident, Medicare will cover medical costs such as doctor consultations, visits to a public hospital emergency department, surgeon fees, and x-rays.
    • Medicare-covered expenses cannot be claimed under this policy. Consider seeing a bulk-billing doctor such as the University Health Practice to avoid out-of-pocket costs.

    Non-Medicare medical expenses

    • If you are an international student, you must claim eligible costs through your Overseas Student Health Cover (OSHC) before making a claim under this policy.
    • Expenses may be claimed under this policy if you have already made a claim against your private health insurance or OSHC (if applicable).

    Making a claim

    1. Review your cover summary schedule to confirm your specific coverage limits and any excess amounts. Refer to the policy wording document for full details. If you have questions about your coverage, include them in your email.
    2. Fill out a claim form and submit it, along with any required supporting documents, to insurance@adelaide.edu.au within 30 days of the incident. 
      If you are claiming as a financial member of Adelaide University Sport Club (e.g., soccer, netball), ensure you include proof of your membership payment.
    3. The University will complete the authorisation section (page 7 of the form), and assist in submitting it on your behalf.

    • Frequently Asked Questions
      Can I submit my claim without the doctor’s statement being filled in?

      For claims involving:

      • Medical expense reimbursements
      • Temporary or permanent disability assessments
      • Ongoing treatment costs, such as physiotherapy

      You must have Section 7 – Medical Practitioner’s Statement completed.

      The policy only reimburses these costs if prescribed by your treating doctor and incurred within 12 months from the date of the incident. For example, if you require physiotherapy, your doctor must note this in their report. Otherwise, the insurer may request another Medical Practitioner’s Statement before processing your claim.

      Does the policy cover for personal items?

      No, this policy does not cover personal items, e.g., clothes, phone or bike. Check your home and contents insurance for such claims.

      What receipts are needed?
      • The itemised service accounts with dates.
      • Health fund or HICAPS statements.
      When should I submit the claim?

      You should submit your claim as soon as possible, and no later than 30 days after the injury. Once your claim is registered, the insurer will review and reimburse expenses as you incur them or submit them for review—whichever you prefer. However, not all expenses may be covered under your policy, and coverage limits may apply. If you wait until your treatment is complete, you could be left out of pocket if your policy doesn’t reimburse the full amount you expected.

      How will I be reimbursed?

      Reimbursements are made via electronic funds transfer (EFT) to your bank account after you submit proof of payment. You are responsible for paying any medical bills first.