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:

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.com.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.