Proof of Insurance

• Travel - use the UNE Travel Insurance Claim form
• Accident - use the Personal Injury claim form
• Public Liability - email insurance@une.edu.au for advice

The process for obtaining proof of Travel insurance coverage to support your visa application (whether a Shengen or other type of visa) is as follows:

• Commence this process 2-3 weeks prior to your appointment at the relevant embassy
• Edit the highlighted fields in the VISA Letter Template to insert your details and the details of your trip.
• Email the letter to insurance@une.edu.au (in Microsoft Word file format) for signing by the insurance officer
• State whether you require your name to be shown on the insurance certificate. This is not required by all countries
• A member of the insurance team will contact you by email to arrange for you to collect letter and insurance certificate from the Finance office on the ground floor of the TC Lamble building (or it can be emailed to you)

Shengen visas

The Schengen area is made up of 29 European countries with common border rules. It lets travellers move freely between Schengen countries without:

• going through border controls
• getting a visa for each country

Countries in the Schengen area include:

Who is covered?

Enrolled students (including students on remission, work experience, compulsory practicum and similar approved University activities).

What is covered?

Overseas medical and evacuation/repatriation expenses

If an insured person is on an overseas journey and suffers a bodily injury, or sickness the insurer will pay up to the sums insured within the policy section titled ‘Overseas Medical and Evacuation’.

Pre-Existing Medical Conditions Under the Corporate Travel Policy

What is a Pre-Existing Medical Condition?

A pre-existing medical condition is generally defined as any illness, disease, or physical condition that, in the period (typically 12–24 months) before the trip:

• The insured person was aware of, or a reasonable person in the circumstances would have been aware of;
• Has required medical treatment, consultation, or investigation;
• Was being treated with prescribed medication.

When a Pre-Existing Condition is Declared

If a traveller properly declares a pre-existing medical condition before travel:

1. Assessment by the insurer – Chubb will assess the condition and may:
2. Accept cover for that condition at no additional cost;
3. Accept cover with special conditions (e.g., an additional premium or modified excess);
4. Exclude that specific condition from cover.
5. If accepted, the traveller would generally be covered for medical expenses, evacuation, and related costs arising from that condition during the trip, subject to the policy terms and any special conditions imposed.
6. Cancellation/curtailment – If the trip needs to be cancelled or cut short due to a flare-up of the declared and accepted condition, the policy may respond (subject to the $250 excess for Loss of Deposits and Cancellation/Curtailment Expenses).

When a Pre-Existing Condition is Not Declared

This is where the implications become significantly more serious:

1. General Exclusion – Most corporate travel policies, including Chubb's, contain a blanket exclusion for claims arising directly or indirectly from pre-existing medical conditions that have not been declared and accepted by the insurer. This means:
2. No cover for overseas medical expenses related to the condition;
3. No cover for medical evacuation or repatriation arising from the condition;
4. No cover for cancellation or curtailment caused by the condition.
5. Broader claim impact – Even if a claim is only partially related to an undeclared pre-existing condition, the insurer may decline the entire claim on the basis that the condition was a contributing factor.
6. Duty of Disclosure – Under the Insurance Contracts Act 1984 (Cth), the traveller has a duty to disclose all matters known to them that a reasonable person would consider relevant to the insurer's decision to accept the risk. Failure to disclose a pre-existing condition could:
7. Void the policy in respect of that individual's claim;
8. In extreme cases, be treated as a fraudulent non-disclosure.
9. Financial exposure to UNE – If a staff member or traveller incurs significant medical costs overseas (which can easily run into hundreds of thousands of dollars for serious incidents), and the claim is declined due to an undeclared pre-existing condition, UNE and/or the individual could be left bearing those costs directly.

In Summary

Definitions:

All reasonable medical costs incurred outside the traveller’s country of residence, for hospital, surgical or other diagnostic or remedial treatment given or prescribed by a Doctor.

Reasonable travel and accommodation expenses for two (2) close relatives or travelling companions of the insured person, who on the advice of a Doctor or specialist are required to travel or remain with the insured person.

Reasonable expenses related to the evacuation of the insured person including necessary expenses incurred for qualified medical staff to accompany the insured person.

Ongoing medical costs incurred after the insured person’s return home to their country of residence as a direct result of their bodily injury or sickness, for a period of up to twenty four (24) months from the date of the bodily injury or sickness. Cover for ongoing expenses incurred within the insured person’s country  of residence will be limited to twenty five thousand dollars ($25,000) unless such country is Australia.

Reasonable expenses related to the repatriation of the insured person to the most suitable hospital or the insured person’s country of residence;

Reasonable expenses incurred outside the insured person’s country of residence, including:

• For emergency dental treatment necessary to restore or replace sound natural teeth lost or damaged;
• To resolve acute, spontaneous and unexpected onset of pain; or
• To repair, replace or adjust dentures to a maximum of two thousand five hundred dollars ($2,500), provided those expenses are incurred as a direct result of the insured person’s bodily injury.

Loss of deposits, Cancellation and curtailment

If prior to the commencement of a journey an insured person incurs the loss of pre-paid travel and accommodation expenses, following the necessary alteration, curtailment or cancellation of the planned journey as a result of:

• Unexpected death, bodily injury or sickness of the insured person;
• Unexpected death, serious injury or sickness of an insured person’s close relative, close business associate or travelling companion;
• Any other unforeseen circumstance outside the control of the traveller.

The cover will meet the non-refundable, unused portion of travel and accommodation expenses that were paid in advance.

If whilst an insured person is on a journey incurs loss of prepaid travel and/or accommodation expenses; or reasonable additional travel and/or accommodation expenses, not budgeted or paid; as a result of:

• Unexpected death, bodily injury or sickness of the insured person;
• Unexpected death, serious injury or sickness of an insured person’s close relative, close business associate or travelling companion;
• Any other unforeseen circumstance outside the control of the traveller.

The cover will meet the non-refundable, unused portion of travel and accommodation expenses that were paid in advance.

Missed transport connection

If, whilst on a journey an insured person misses a transport connection due to unforeseeable circumstances outside their control, and the insured person must attend a scheduled business meeting, or conference, which cannot be rescheduled, the policy will cover the extra expenses incurred for alternative scheduled public transport to enable the insured person to attend the meeting or conference.

Overbooked flights

If, whilst on a journey an insured person is denied boarding due to an overbooked airline flight and no alternative transport is available within (8) hours of the scheduled departure time, the insured person is entitled to claim for any resultant direct or indirect expenses, incurred as a consequence of the overbooked flight.

Deprivation of luggage

If an insured person is on a journey and their accompanying personal luggage is delayed, misdirected, or temporarily misplaced by any transport carrier for more than eight consecutive hours, the traveler claim reasonable expenses to provide necessary ‘emergency’ essential items such as clothing, toiletries and medication, up to the amount stated in the policy schedule.

To make a claim?

Please complete the Travel Insurance Claim Form and send it to the Insurance Office at insurance@une.edu.au.

Who is covered?

Enrolled full- and part-time students

Cover applies whilst a student is on or off campus, whilst engaged in activities that directly relate to the student's approved course, or other University, or College approved activity. These include Practicums or placements that are a mandatory course requirement and any other work experience undertaken to fulfil the conditions of candidature and any other associated activities related to an approved course. It includes all other activities which are authorised by the University or Sport UNE including all sporting activities both on and off campus.

What is covered?

The policy provides a range of benefits in the event of accidental death or accidental bodily injury whilst undertaking UNE authorised activities. It does not cover claims arising from sickness, illness or disease.

Who is covered?

Broadly, current and former Staff as well as students, whilst under the direction or control of the university or its controlled entities.

What is covered?

This policy covers UNE's legal liability to pay compensation for personal injury (non-staff) and damage to third parties property, subject to the policy conditions and exclusions.