Personal Injury Insurance

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Parents are reminded that the school carries a defined 24/7 injury insurance cover on all its students. There are awards for specific injuries and emergency transport costs. The scheme does not cover basic medical costs if a student is covered by private medical insurance. It is not a policy to cover the gap between medical insurance claims and the fees charged by service providers.

The policy has defined events and payments. Prospective claimants need to read the policy (below) and then download a copy of the policy and / or the claim forms. Claimants are advised to consult the appropriate Deputy Principal for their year group about the process, prior to making any commitment for medical services based upon an expectation of financial assistance from the school's insurer.

The school undertakes to assist claimants with lodging paperwork in respect of claims but is not responsible for the management of those claims.

The insurance is provided by AON Risk Services.

The forms you will need to complete are:
 School Student Accident Claim Form
 Medical Practitioner's Statement

Payment Amounts

The full breakdown of payment amounts for injuries sustained under the policy are available in the following document:
 School Student Personal Accident Plan - Payment Amounts

Note particularly the following payments:

Insured Events

Insured Amount

Permanent Disabilities
(In each case the injury suffered must be permanent)

 

Permanent Quadriplegia / Paraplegia

750,000

Permanent Loss of Mental Powers

750,000

Sight of both eyes

350,000

Sight of one eye

150,000

Up to 35% partial loss of sight in one/both eyes

20,000

36% to 65% loss of sight in one/both eyes

400,000

36% to 65% loss of sight in one/both eyes

65,000

Loss of use of two limbs

300,000

Loss of use of one limb

150,000

Loss of speech

100,000

Loss of hearing in both ears

150,000

Loss of hearing in one ear

50,000

Total loss of use of either hand

80,000

Up to 35% partial loss of hearing in one/both ears

5,000

36% to 65% partial loss of hearing in one/both ears

10,000

66% or more partial loss of hearing in one/both ears

15,000

Permanent disability not provided for above

Insurer's Discretion (up to 75,000)

 

 

Broken or Fractured Bones

Finger, Toe, Hand, Foot or Rib

200

Arm, Elbow, Wrist, Leg, Ankle or Knee

500

Neck, Skull, Spine, Pelvis or Hip

3,000

All other breaks

500

Fractured Leg or Patella with established non-union

20,000

Shortening of the leg by at least 5 centimetres

10,000

The maximum amount Payable for any one injury

75,000

  

Dislocation

Hip

500

Knee, Shoulder Blade, Collarbone or Jaw

250

All others

150

  

Ligament and Organ Damage

Ligament – knee, ankle, hip, spine, neck, shoulder

2,000

Organ – spleen, kidney, liver, lung, heart

2,000

   

Dental (Lump sum payment, regardless of actual costs involved, provided the event occurs within five (5) years from the date of Injury).

Loss of Permanent or Second teeth

300 (per tooth)

Loss of Milk or First Teeth

100 (per tooth)

Crowning of Damaged Teeth

300 (per tooth)

Other Damage

50 (per accident)

The maximum amount payable for any one injury

5,000

   

Death as a result of injury

50,000

   

Burns

40% of the entire body or greater

320,000

Between 20% and 40% of the entire body

100,000

   

Out of Pocket Expenses

Home Help, Tuition, Extra Travel - Up to 52 weeks(after 15 days)

450 per week

   

Bed Care Patient

More than 24 hours as a result of injury - Up to 52weeks

750 per week

   

Emergency Rescue

5,000 per accident per student

   

Fee Relief

Four terms following the accidental death of thePupil’s parent / guardian (Paid to Institution)

15,000

   

Non-Medicare Expenses

Percentage of Incurred expenses up to the maximum shown (Institution and organised sporting activities only)

100% up to 7,500

Clothing Education and / or Sporting Equipment – lost or damaged as a result of an accident for which treatment was administered by a doctor.

500 per accident / student

   

Parent / Guardian Visitation

2,500

Kidnap, Ransom, Extortion and Personal Assets

300,000

Trauma Counselling Benefit (any one event)

10,000