Policy details

The University’s Group Personal Accident policy provides cover:

• to undergraduate and postgraduate students
• primarily in Australia, while you are engaged in approved campus/course/University-related activities and/or practical placement or community placement activities
• for necessary domestic direct travel to and from these activities.

Eligibility

The main requirements for insurance cover to be available are as follows.

• You have been admitted to candidature.
• The activity is a course requirement or is pre-approved (in writing) by the Dean, Head of School/Department or an authorised delegate.
• The activity is unpaid.
• You are not an employee/do not work for the organisation you are placed with, for the purposes of Workers' Compensation legislation.

What's covered

In summary the policy covers:

• death and capital benefits
• weekly injury benefits
• home tutorial benefit
• injury assistance benefit
• limited medical expenses (only those not claimable on Medicare or your private health insurance).

Not covered

As many students would be on approved placements without any formal working income, the Group Personal Accident insurance policy is limited in the cover provided. Any medical expenses which are, or could be, covered by Medicare or your private health insurance are excluded.

International students are required to have overseas student health cover (OSHC) for the duration of their stay in Australia. As an international student, in the event of a medical claim in Australia, you should claim against your OSHC policy first.

For more information on what you are covered for in the University's group personal accident policy, you can refer to the following document.

Get proof of insurance

You should not provide copies of the insurance certificates to external organisations unless the activity has been appropriately approved by the University. The University’s insurance will only be available if the activity has been appropriately approved (in writing) before the relevant activity commences.

If you need a letter, or single Certificate of Currency, download the document.

Make a claim

The University’s Group Personal Accident policy provides cover (primarily in Australia) for undergraduate and postgraduate students on pre-approved activities (e.g. placements, fieldwork, etc).

Under the Group Personal Accident insurance policy, there is an insurance excess of:

• $50 for medical expenses which are not covered by Medicare.
• $1,000 for all other expenses.

If your claim relates to medical expenses which are covered by Medicare, even in part, they will not be covered by the Group Personal Accident policy.

Claims below the insurance excess

For claims below the insurance excess, you should contact your faculty or school in the first instance for consideration of cost reimbursement.

Claims above the insurance excess

If the cost is above the insurance excess, you can submit your claim online.

Option 1: Through the claims portal

Follow the steps outlined on page 12 of the 2025-26 Travel Claims Summary Booklet (pdf, 1.6 MB). You will need to log in to the claims portal and enter the product as 'University of Sydney LOI AIG' and the policy number '2200103822'.

Option 2: Email a claims form

Alternatively, you can complete the personal accident claim form and email it to ahclaims@gbtpa.com.au for assessment.