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FAQ's
How can I get StudentCover? As an individual why is the policy only available online? Why can I not pay by cheque? How do I submit a claim? What is covered under the StudentCover policy? Are there any exclusions under the policy? If pages cannot be displayed or you have other difficulties Why do I get security warnings? Why do I get an offline message? How can I get StudentCover? There are two ways to get StudentCover. Some schools arrange to have their entire enrollment covered. This is known as "Whole of School" cover and is the most economical method. Alternatively, individuals can obtain StudentCover online at a cost of just $29.00 per year -  Top As an individual why is the policy only available online? Our aim is to provide StudentCover at a very affordable price. Originally this was done through reducing administrative costs by having schools assist in arranging the policy, collecting premiums etc. Unfortunately due to legislation introduced on 11 March 2004 (Financial Services Reform Act) we must now provide numerous documents including a Product Disclosure Statement and invoices etc. for every individual insured student, previously one policy was issued per school. Top Why can I not pay by cheque? As explained in the above question it is necessary under the legislation to provide individual policy documentation, we are also committed to providing StudentCover at a reasonable cost (just $29.00 per year). To enable us to do this it is necessary to create the documentation online and this requires real-time acceptance of the application. The cost of processing payments by cheque (or cash) would impact on the premium, and as such the only options are via credit card or BPay. Top How do I submit a claim? Please refer to the claims procedure here and follow the instructions carefully. Top What is covered under the StudentCover policy? The events covered are very extensive. You can see a full schedule of benefits and compensation here, you should also refer to the Product Disclosure Statement. Top Are there any exclusions under the policy? Yes, they are: 1 (a) War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power. (b) the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act. (c) any loss arising out of any Terrorist Act. 2 Any consequence of an insured person engaging in: (a) naval, military or air force operations . (b) racing in or on any motor propelled conveyance (whether as a driver, rider or passenger). (c) any aerieal activity, except as a passenger and not as a pilot or crew member in any aircraft licensed to carry passengers. (d) hang gliding, sky diving or parachuting. 3 Intentional self-injury, suicide, or criminal or illegal act of the Insured Person who is the subject of the claim. 4 A consequence of any kind of sickness or disease. 5 Pregnancy, childbirth or miscarriage. 6 Sexually transmitted disease, or Acquired Immune Deficiency Syndrome (A.I.D.S.) disease or Human Immunodiciency virus (HIV) Infection. 7 Radioactive contamination or radioactivity in any form whatsoever whether occurring naturally or otherwise. You should also refer to the Product Disclosure Statement (PDS). Top If pages cannot be displayed or you have other difficulties In the first instance, be patient. Some of the selections on the application page require actions with our database such as matching state, suburb and school names. Depending on internet traffic at the time this may take a while. As a general rule if pages do not display correctly it will be due to general internet speed which can slow from time to time. You may try again later however if you continue to experience difficulties you may call 1300 INSURE during business hours for assistance. Top Why do I get security warnings? Depending on your browser settings it is possible that you will receive various security warnings. Providing you have accessed the application page from our main website link of you should not be concerned and can proceed with confidence. We recommend the following minimum browser requirements:
Top Why do I get an offline message? The system is unavailable at various times due to backups, system maintenance and end-of-month processing. You should simply try again later however if you continue to experience difficulties you may call 1300 INSURE during business hours for assistance. Top |