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StudentCover Frequently Asked Questions


How can I get StudentCover?


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 -   apply now


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.


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.


How do I submit a claim?

Please refer to the claims procedure here and follow the instructions carefully.


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.


Are there any exclusions under the policy?

Yes, they are:





War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.



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.



racing in or on any motor propelled conveyance (whether as a driver, rider or passenger).



any aerial 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.



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.



Sexually transmitted disease, or Acquired Immune Deficiency Syndrome (A.I.D.S.) disease or Human Immunodeficiency virus (HIV) Infection.



Radioactive contamination or radioactivity in any form whatsoever whether occurring naturally or otherwise.

You should also refer to the Product Disclosure Statement (PDS).


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 467 873)

during business hours for assistance.


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:


Windows Internet Explorer 11.0
Mozilla Firefox 36
Google Chrome 40
Apple Safari 8.0


To check which browser you are using please click here


If you do have one of the above browsers and you experience problems when attempting to load a page securely (SSL, i.e. https) you should try setting the security to 'Medium' in the options.  Below you will find details on how to alter these settings in the most popular browsers;


Windows Internet Explorer Tools > Internet Options > Security > Select Medium
Mozilla Firefox Options > Advanced > Security and make sure each box is checked
Google Chrome Settings > Show advanced settings > Privacy > Content settings 
Apple Safari Preferences > Security > Enable plug-ins, Enable Java, Enable JavaScript


If these suggestions do not fix the problem you are experiencing, you should discuss this with your Internet Service Provider (ISP) or to simply put the policy in place you can contact us on


(1300 467 873)


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 467 873)

during business hours for assistance.



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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