Liability and Personal Accident Insurance for Students on Work Experience

Students undertaking work experience are covered by a number of insurance policies held by the University of Newcastle.

The activities must be course-related (but not a course requirement) and sanctioned by the Head of School, or other authorised officer, of the Faculty. These insurance policies cover most undergraduate and postgraduate courses, but do not cover students for work experience in the field of medicine.

Please note: It is the responsibility of the student to ensure that all sections of the form are completed and returned to the Risk Management Unit (Level 2 The Chancellery or Fax 4921 5152) prior to the commencement of any work experience being undertaken.

These policies do not cover illness due to sickness or disease, or pre-existing medical conditions.

Personal Accident and Travel Insurance

The University of Newcastle currently has in force a Personal Accident and Injury Insurance Policy for all enrolled students (undergraduate and postgraduate) on a 24 hour day basis 365 days a year. The policy provides cover whilst the student is engaged in course-related activities and/or practical placement or community placement activities. It is an accident cover only and does not cover illness. The policy includes a $50.00 excess for each claim.

Student Personal Accident Policy covers:

• Death and capital benefit
• Weekly injury benefit
• Home tutorial benefit
• Injury assistance benefit
• Modification benefit
• Medical expenses related to injury up to $100,000.00 (only those not claimable on Medicare)

This policy responds after claims are made on any private medical insurance held by the student.

Public Liability Insurance

The University has a public liability insurance policy that includes a worldwide cover, which protects the University, any employee or any person for whom the University may be responsible against claims which may be brought by third parties for injury to third parties and/or damage to third party property in those instances in which the University may be proven legally liable. In addition, coverage is extended to sponsoring employers who accept students on practical placement which are a formal requirement of their course. The policy limit for this insurance is in excess of $20m.

Professional Indemnity Insurance

This policy indemnifies the University of Newcastle against legal liability for claims by third parties for breach of professional duty by an employee or any person for whom the University is responsible eg students, by reason of any negligent act, error or omission in conduct of University business. The policy limit for this insurance is in excess of $20m.

Worker's Compensation Insurance

Students are not deemed to be employees of the University. They would therefore not be entitled to cover under Workers' Compensation Insurance.

Any questions in relation to the above should be directed to the Insurance Team of the Risk Management Unit: Sara Knight Sara.Knight@newcastle.edu.au or Ph: (02) 4921 6489 or Jo Humphris Joanne.Humphris@newcastle.edu.au or Ph: (02) 4921 5328.

Note: The material furnished in this web site is for information purposes only and does not constitute an insurance contract upon which claims can be made. In the event of loss, damage or liability of any kind, the wording, terms, conditions and exclusions of the original policy shall have precedent over any other document.