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 related to the current enrolled course (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 be aware that Work Experience differs from Placement. Work Experience is above and beyond course requirements, therefore approval needs to be sought for such activities and the form sent to Risk & Assurance. This differs from Placements which are a compulsory reuirement of obtaining your degree. Please see the Placement link on left of screen if this is applicable to your situation.
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 (Room CH320, The Chancellery or Fax 4921 6190) prior to the commencement of any work experience being undertaken.
Insurance for Graduating Students ceases on the Fully Graded Date, there is no coverage beyond this date.
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.