Key Benefits of StudentCover

Injury resulting in the following within 12 months from the date of accident:-

Section A - Capital Benefits

 1. Permanent Quadriplegia $500,000
2. Permanent Total Paraplegia $500,000
3. Permanent Total Loss of entire sight of one eye and loss of one limb $100,000
4. Death $20,000
5. Permanent and incurable loss of mental powers resulting in total inability to work except in a sheltered workshop or in occupations reserved for mentally handicapped persons $100,000
6. Permanent Total Loss of entire sight of both eyes $100,000
7. Permanent Total Loss of entire sight in one eye $100,000
8. Permanent Total Loss of use of two limbs $100,000
9. Permanent Total Loss of use of both feet $100,000
10. Permanent Total Loss of use of both hands $100,000
11. Permanent Total Loss of use of one limb $ 50,000
12. Permanent Total Loss of use of one hand $ 50,000
13. Permanent Total Loss of use of one foot $ 50,000
14. Permanent Total Loss of hearing in both ears $ 50,000
15. Permanent Total Loss of hearing in one ear $ 25,000
16. Permanent Total Loss of use of one thumb of either hand  
  16.1 Both joints $ 20,000
  16.2 One joint $ 10,000
17. Permanent Total Loss of use of fingers of either hand  
  17.1 Three joints $ 20,000
  17.2 Two joints $ 10,000
  17.3 One joint $ 5,000
18. Permanent Total Loss of use to toes of either foot  
  18.1 All of one foot $ 20,000
  18.2 Great, both joints $ 15,000
  18.3 Great, one joint $ 10,000
  18.4

Other than great, each toe

$ 5,000
19. Third degree burns and/or resultant disfigurement due to Fire or
chemical burns, which extends to more than 40% of the entire body
$ 250,000

Section B - Additional Benefits

20.
Bed Care Patient Benefit for a period of more than 24 hours as a result of Injury
Aggregate period for this Benefit is up to fifty-two (52) weeks
$200 per week
21.
Injury Assistance Benefit - we will reimburse 100% of domestic help and/or child minding services and/or extra public transport expenses certified as necessary by the Insured Person's legally qualified and registered medical practitioner.
Elimination period is seven (7) days per injury
Aggregate Period for this Benefit is up to fifty-two (52) weeks
Up to $200 per week 
22. Broken and/or fractured bones:  
  a) Finger or toe $ 50
  b) Hand or foot $100
  c) Arm, elbow, wrist, leg, ankle or knee;  
     i) Simple fractures $250
     ii) Compound or complicated fractures $500
  d) Collarbone $250
  e) Breastbone $250
  f) Rib (one or more) $250 total

  g)  

Shoulder, cheekbone or nose $250
  h) Hip or jaw $750
  i) Neck, skull, pelvis or spine $1,500
              - Maximum amount payable any one Injury $2,000
23. Dislocation Benefit  
  (a) Hip $ 500
  (b) Knee $ 250
  (c) Shoulder Blade $ 250
  (d) Collarbone or Jaw $ 250
  (e) Ankle, Elbow or Wrist $ 100

24.

Dental Cash Benefit
Lump sum payment, provided the Event occurs within twelve (12) calendar months from the date of Injury to permanent or second teeth
 
  (No cover is provided for milk or first teeth, dentures or fillings)  
  Loss of teeth or crowning of damaged teeth with cast metal or porcelain or similar restorations. $300 per tooth
              The maximum amount payable for any one Injury is: $2,000 max.
25.
Student Tutoring Expenses incurred as a result of Total Disablement and certified necessary by the Insured Person's legally qualified and registered medical practitioner.
Elimination Period is seven (7) days per Injury
Aggregate period for this Benefit is up to fifty-two (52) weeks
Up to $200 per week
26. Fee Relief - Following the death of the student's guardian, annual school tuition fees up to
$7,500 will be paid for the remaining terms of the current school year.
$7,500 maximum in all
27.
Overseas Medical Expenses - Reimbursement of medical expenses as a result of Injury provided such expenses are incurred within ninety (90) consecutive days following an Insured Person's departure from Australia
Excess each and every loss is $20
$5,000
28. Emergency Transport - Reimbursement of expenses actually incurred.
$4,000 max.per Injury
29. Non-Medicare expenses - School Activities Only e.g. Physiotherapy and/or Chiropractic expenses as certified necessary by the attending medical practitioner - Excess of $20
$3,500
30.
Rehabilitation Expenses - We will pay after the happening of an Event 20 to 29 of this Policy, expenses incurred for tuition, advice and/or treatment from a licensed vocational school or occupational rehabilitation institution, provided such tuition, advice and/or treatment is undertaken with Our prior written agreement and the agreement of an Insured Person’s attending legally qualified and registered medical practitioner.
Elimination Period is seven (7) days per Injury.
Aggregate Period for this Benefit is up to fifty-two (52) weeks
Up to $200 per week

Exclusions

This policy shall not apply to any event directly or indirectly arising out of:
(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 aerial activity, except as a passenger and not as a pilot or crewmember 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 Immunodeficiency Virus (H.I.V.) Infection.  
(7) Radioactive contamination or radioactivity in any form whatsoever whether occurring naturally or otherwise.  
 

 


 

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?

 

 

Individuals

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


Quick Contact Form

EBM are able to provide a wide range of services, many of these will require a professional to contact you to discuss precise requirements.

For a general enquiry, complete the below. For a more detailed enquiry please click here.

Privacy Acknowledgement - For more information about our Privacy Policy, ask us for a copy or view here. By completing the request below, I certify that I am aware that any collection of personal information is used in accordance with EBM's Privacy Policy.*
Agreed


  Code:  
Please enter the code you see in the image on the left into the box above. Note: This is case sensitive. e.g 'h' is different to 'H'