c7cb3835-a662-4dc0-9016-7f4a79aba252.doc University of Melbourne students are automatically protected by the University's insurance program whilst they are engaged in their UoM course related activities. The principal classes of insurance are listed below. 1. Travel Insurance Policy No: 02.PO.014313 2. Public Liability Policy No: UL MEL 08 3. Professional Indemnity Policy No: LPP010362135 4. Personal Accident Insurance Policy No: 02.PO.012009 5. Students and Workers Compensation 6. Work Experience / Off Campus Electives 1. Travel Insurance Policy No: 02.PO.014313 To accommodate the Travel Insurance needs of all University of Melbourne Students engaged on University Approved Travel, a separate "Student" Travel Insurance Policy ( No: 02.PP.014313 ) has been established. Under this new Travel Insurance Policy, FREE TRAVEL INSURANCE can be provided for ALL UoM Students under one (1) of the following two (2) separate categories, subject to a $200 excess on some sections of cover: Category A: FULL Cover for all “Post Graduates” on Registered & Approved 100% “University Paid" travel. To qualify - 100% of the Post-Graduate Students travel expenses ( including All Airfares & other Transport costs, Accommodation, Conference Fees, etc., but excluding food & incidentals ) must be paid by the University, regardless of the (original) source of the trip's original funding; - OR – Category B: LIMITED Cover for “All Other Students” including Under-Graduates ( principally Capital Benefits, Legal Liability and Medical cover Only ). If the cover provided under “Category B” is not completely adequate for a student, for example, where Travel insurance cover must be provided for Baggage & Personal Effects, the following source of Baggage /Personal Effects Travel insurance – via the “Worldcare” website below, can be purchased to supplement the Category B cover: http://www.worldcare.com.au Worldcare Travel Insurance, underwritten by Allianz Australia Insurance Ltd, offers Travel Insurance through various options including their new product innovation “Select-A-Benefit”. (The University is not in a position to recommend, or verify – the integrity of this external and independently operated insurance facility. So, as a consumer, the student is obliged to exercise their own due diligence and should read the Financial Services Guide and Product Disclosure Statement before buying this product available from this website.) Alternatively, comprehensive Travel Insurance (including cover for Baggage & Personal Effects) – with the University‟s Insurer – can be purchased to cover the complete trip – via the following web-site: http://inasuitcase.aceinsurance.com.au/Melbuni/homepage.aspx Or – Via the UoM web-site “Online Travel Ins.” Link at: http://www.unimelb.edu.au/rmo/ The following conditions apply - for both Category "A " and Category "B " – under UoM‟s Student Travel Insurance Policy ( No: 02.PP.014313 ): 1. The University Approved Travel proposed by the Student is in connection with their UoM studies ( Eg: Conferences, Field-Work, Outside Placements, Research, etc.); 2. Cover is also provided for Incidental Private Travel - on the condition that it: (a.) does not exceed the University segment of the trip – and – ( b.) it is not greater than 1 month ( 31 days); 3. The Student's Name & Trip particulars must be Registered with the Insurance Office ( via the lodgement of the Registration Form) at least five ( 5 ) University Business Days - Prior to Departure. 4. Students cannot be covered for Travel Insurance under this Facility where their Travel has Already Commenced. In these circumstances, alternative Travel Insurance can be purchased via the Ace Insurance web-site link: “ina-suitcase” below: http://inasuitcase.aceinsurance.com.au/Melbuni/homepage.aspx - or - the Student can elect to purchase Travel Ins. elsewhere. 12/08/2011 Page 1 of 5. c7cb3835-a662-4dc0-9016-7f4a79aba252.doc 2. Public Liability Policy No: UL MEL 08 Students are covered under the University's Public Liability Insurance – in the event that they are held to be legally liable ( eg: negligence ) for causing personal injury or property damage ( to a third party ) caused by an occurrence in connection with their University course related activities ( eg: study, research, field studies, internships, approved work experience. ) 3. Professional Indemnity Policy No: LPP010362135 The University‟s Professional Indemnity insurance policy incorporates 3 principal areas of cover: Professional Indemnity, Medical Practice and Clinical Trials. UoM Students have been included as Insured Persons under this policy. The University‟s Professional Indemnity insurance – “Insuring Clause” states that: “ The Insurer will indemnify the University against civil liability for compensation and claimant's costs and expenses in respect of any Claim or Claims first made against the University and notified to the Insurer during the Period of Insurance resulting from the conduct of the Professional Services.” The following condition of cover under this insurance policy requires that UoM Students engaged in approved health care related activities must only act under direct supervision. “ The definition of Insured is extended to include any natural person who is a past and/or present student of the University or entities specified in the Schedule, but only: (a) in his or her capacity as such; and (b) whilst providing the Professional Services under the direct supervision of a suitably qualified practitioner.” 4. Personal Accident Insurance Policy No: 02.PO.012009 All students currently enrolled at the University are protected by Student „Personal Accident‟ Insurance covering most injuries received, only whilst undertaking, and travelling to and from their approved University-related activities, including University sport activities, Student Work Experience / Field / Outside Placements This insurance provides similar cover to that offered by Private Health Insurance, such as hospital, ambulance, physiotherapy and ancillary benefits. This policy does provide cover for capital benefits (death, loss of limbs etc) in respect of 24 hours, 365 days per year. Cover is also provided for University related incidents involving the contraction of HIV / AIDS (conditions apply). The “Non-Medicare” Medical Expenses protection provided – does not cover any part of medical expenses incurred where a Medicare “Item Number” and a subsequent benefit is payable. This is due to Section 67 of the Australian Federal Government‟s “National Health Act”, 1953, as amended. Benefits under this Insurance only apply for a maximum period of up to twelve (12) months from the date of injury. Therefore students who are not treated by a medical practitioner who „bulk-bills” for their services, will be “out of pocket” for any shortfall that arises between the medical service charge and Medicare‟s “schedule fee”, commonly referred to as the “Medicare gap”. 12/08/2011 Page 2 of 5. c7cb3835-a662-4dc0-9016-7f4a79aba252.doc 5. Students and Workers Compensation Generally, students are not insured under the University's (self-insured) Workers Compensation (Victorian based) scheme, or alternatively, under an outside (host) organisation's “Work-Cover” protection, unless they are engaged in paid employment and are deemed to be an "employee", in accordance with the Accident Compensation Act (1985) Vic. Explicit advice should therefore be sought from the University‟s Human Resources division, to determine whether, in a particular set of circumstances, a person: can be classified as a University of Melbourne employee ( for what period of time, duties and conditions, etc,) and if so, whether the person is subsequently entitled to the University‟s “Work-Cover” protection. In the event that a student is paid, the circumstances of each particular case will determine, whether a student is a party to a contract “of ” service – indicating an “ employment “relationship, or is involved in a contract “ for ” service – indicating an “ independent contractor “ relationship. The presence of the following characteristics indicates that a student may be a party in an “employer / employee relationship”: the amount of control exercised by the “employer” over the party in the performance of their contractual obligations; method of payment; provision of equipment; right to dictate place of work; right to set hours of work; provision of holidays; deduction of tax; delegation or non delegation of work; right to suspend or dismiss. Some indicia for “independent contractors” have been identified as: work involving a trade or profession; provision of place of work by a contractor and supply of his/her own equipment payment of contract fee without deduction of taxation ability to sub-contract work. 6. Work Experience / Off Campus Electives 6.1 Students are covered by the University's Personal Accident, Public Liability and Professional Indemnity insurance policies whilst they are participating in, and travelling directly to, or from, relevant and authorised Work Experience / Field / Outside Placements, provided that their “activity” complies with the conditions stated in Paragraphs 4.2, 4.3 and 4.4 listed below. 6.2 This cover is provided on the basis that their particular “activity” constitutes: 6.2.1 a compulsory component of their University course or 6.2.2 a programme organised by “Careers & Employment” and/ or 6.2.3 the “Leadership, Involvement and Volunteer Experience Unit”, including 6.2.4 the Student Work Placements, “Career Mentor Connection” (CMC), or 6.2.5 the “UoM Community Volunteer Program” (CVP) or 6.2.6 the “Student Ambassador Leadership Program” (SALP) Students. 6.3 This cover is provided on the basis that their particular “activity” is: 6.3.1 appropriately recorded and approved by the student's University course coordinator or the coordinator of the approved activity within their respective Faculty / School / Department, and that the “activity” constitutes: 6.3.2 a compulsory component of their University course, or 6.3.3 a programme organized by Careers & Employment including the Student Work Placements and CMC, or 6.3.4 a programme organized by the Graduate Careers Centre of the Faculty of Economics and Commerce e.g. internship, placements, mentoring activities, or 6.3.5 a programme organized by the Leadership, Involvement and Volunteer Experience Unit (LIVE), including the UoM Community Volunteers Program and SALP. 6.3 Students can only be covered by the University‟s insurance policies if their Work Experience / Field / Outside Placement activity is undertaken with the knowledge and consent of the University. 6.4 Generally, Students are not insured under the University's (self-insured) Workers Compensation (Victorian based) scheme, or alternatively, under an outside (host) organisation's Workers' Compensation cover, unless they are engaged in paid employment and are deemed to be an "employee", in accordance with the Accident Compensation Act (1985) Vic. 12/08/2011 Page 3 of 5. c7cb3835-a662-4dc0-9016-7f4a79aba252.doc 24 April 2008 To Whom It May Concern Re: Insurance for University of Melbourne Students on Unpaid Work Experience / Medical Electives / Field Placements/ Voluntary Work The following Insurances are arranged to protect students of the University of Melbourne whilst on Work Experience / Medical Elective / Placement – approved by their respective Faculty - within Australia arising out of any negligent act, error or omission on the part of the students: Public Liability (Limit: $20,000,000) Policy No: UL MEL 08 Legal Liability to pay compensation for third party injury or property damage, as a result of an occurrence or happening in connection with University of Melbourne business (excluding Medical Malpractice). Professional Indemnity & Medical Malpractice (Limit $20,000,000) Policy No: LPP010362135 Legal Liability arising out of breach of professional duty by reason of any negligent act, error or omission committed or alleged to have been committed by Students, including Malpractice for Health disciplines. * Note in addition to Insurance arranged by the University of Melbourne, the Victorian Managed Insurance Authority [“VMIA”] in connection with the Victorian State Government - Department of Human Services provides Medical and Health Malpractice insurance to Students on approved Work Experience / Medical Elective / Placement in all Public Hospitals in Victoria. Personal Accident (Age Limit: Over 15 & under 85 Years of Age.) Policy No: 02.PO.012009 The policy provides cover to the Student whilst engaged on approved Work Experience / Medical Elective / Placement. Due to Federal Government legislation, Medical Expenses which have a “Medicare Item No.” - such as a Doctors Consultation or X-ray expenses - can only be claimed against Medicare. This policy covers: Death and capital benefits Weekly injury benefit Non-Medicare Medical expenses, excluding “Medicare” claimable items, such as hospital accommodation and ancillary expenses, such as physiotherapy. Further details of coverage can be provided on application to the relevant Department of the University of Melbourne. Bill Boucher Manager, Insurance Office Office of Vice Principal & Chief Financial Officer 2nd Floor, Old Geology South Building The University of Melbourne. Victoria. 3010. Australia. Ph: 61 3 8344 3444 Fax: 61 3 8344 4497 Email: email@example.com 12/08/2011 Page 4 of 5. c7cb3835-a662-4dc0-9016-7f4a79aba252.doc 24 April 2008 To Whom It May Concern Re: Insurance for University of Melbourne Students on Unpaid - Overseas - Medical Electives / Field Placements The following Insurances are arranged to protect students of the University of Melbourne whilst on Overseas Medical Electives / Field Placements (including USA and Canada) – approved by their respective Faculty – arising out of any negligent act, error or omission on the part of the students: Public Liability (Limit: $20,000,000) Policy No: UL MEL 08 Legal Liability to pay compensation for third party injury or property damage, as a result of an occurrence or happening in connection with University of Melbourne business (excluding Medical Malpractice). Professional Indemnity (Limit $20,000,000) Policy No: LPP010362135 Legal Liability arising out of breach of professional duty by reason of any negligent act, error or omission committed or alleged to have been committed by Students, including Malpractice for Health disciplines. Cover for Students on Overseas Placements is on a Worldwide basis (including USA and Canada) – subject to Clinical Activities being directly supervised by Qualified Practitioners. It is expected that the level of supervision be in line with normal practice for the relevant discipline taking into account the level of experience and competency of the student. Further details of coverage can be provided on application to the relevant Department of the University of Melbourne. Bill Boucher Manager, Insurance Office Office of Vice Principal & Chief Financial Officer 2nd Floor, Old Geology South Building The University of Melbourne. Victoria. 3010. Australia. Ph: 61 3 8344 3444 Fax: 61 3 8344 4497 Email: firstname.lastname@example.org 12/08/2011 Page 5 of 5.
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