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Claims Information for StudentCover

To ensure your claim is handled in the efficiently please follow the instructions carefully.

Download a claim form here

If your Son or Daughter has been involved in an incident that could give rise to a claim under the StudentCover insurance policy please follow these procedures:-

Submit invoices to Medicare and Private Health Fund (if applicable) and obtain statement detailing what benefits have been paid - this should be done before submitting the completed Claim Form and Physicians Statement to EBM.

Complete a StudentCover Claim Form.

The claim form can be downloaded here

The claim form needs to be completed then signed off by the School.  The Attending physicians Statement must also be completed.

Once the remittance advice has been received from Medicare and the Private Fund (if applicable), please then submit the claim documentation to EBM at:

PO Box 1065
WEST PERTH  WA  6872    DO NOT submit the claim directly to the Insurer.

EBM will forward the claim form to the Insurer who will confirm receipt and issue a claim number. The claim settlement cheque will be forwarded to EBM who will pass on to your mailing address.

For your information, we outline some important information concerning the Student Cover policy:-

The policy only responds to Non-Medicare related accounts - therefore any accounts that are covered by Medicare cannot be claimed.

Non-Medicare Medical Expenses means:- Expenses that are not subject to any full or partial Medicare rebate, nor recoverable by an Insured Person from any other source, incurred within 12 calendar months of the Insured sustaining the injury.

The "Medicare Gap" is not covered by the Student Cover policy in accordance with Government regulations

The "Private Health Gap" is covered only in respect of school activities or where they relate to overseas medical costs and a $20 excess of each loss applies.

You are responsible to have the Attending Physician's Statement (APS) completed.  The insurers will not reimburse you for any expense incurred.

For more information please refer to the second page of the Policy Wording section 10.

Circumstances and documentation will vary from claim to claim - the above information is typical for an injury.

Should you have any questions regarding a claim please contact us




Downloads Application Forms

Product Disclosure Statement for Individual Students

Product Disclosure Statement for Whole of School Cover

Financial Services Guide

StudentCover Claims Form

What to do in the event of a claim?




Whole of School








This insurance is issued/insured by AIG Australia Limited (AIG) ABN 93 004 727 753 AFSL 381686 Level 12, 717 Bourke Street, Docklands Vic 3008.  AIG issues / insures this product pursuant to an Australian Financial Services Licence (‘AFSL) granted to Us by the Australian Securities and Investments Commission.   Cover is arranged and distributed by: Elkington Bishop Molineaux Insurance Brokers (‘EBM’)  ABN 31 009 179 640 AFSL 246986, Registered office: 1162 Hay Street, West Perth WA 6005  Phone: 1300 783 878.  EBM are appointed for this purpose as a binder operator of AIG and permitted to arrange cover for this product. 


If required, EBM will provide You with a Financial Services Guide (‘FSG’) to help You decide whether You wish to use the services they offer.  Any advice about insurance described in this website is provided for your general information and does not take into account your individual needs. You should always consider the Product Disclosure Statement (PDS) to see if the product is right for you. A copy of the PDS is available here or you can contact us for a copy.


Key Contacts

Specialists in this area include:


jonnine gould

Jonnine Gould

PersonalCover Division Manager

email Jonnine

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