Personal Injury Insurance
Sydney Boys High School carries a defined 24/7 injury insurance cover over all its students. There are awards for specific injuries and emergency transport costs. Note however the scheme does not cover basic medical costs if a student is covered by private medical insurance and it is not a policy to cover the gap between medical insurance claims and the fees charged by service providers.
The policy has defined events and payments. Prospective claimants need to read the policy (below) and then download a copy of the policy and / or the claim forms. Claimants are advised to consult the appropriate Deputy Principal for their year group about the process, prior to making any commitment for medical services based upon an expectation of financial assistance from the school's insurer.
The school undertakes to assist claimants with lodging paperwork in respect of claims but is not responsible for the management of those claims.
The insurance is provided by .
The forms you will need to complete are:
School Student Accident Claim Form
Medical Practitioner's Statement
Payment Amounts
The full breakdown of payment amounts for injuries sustained under the policy are available in the following document:
School Student Personal Accident Plan - Payment Amounts
Note particularly the following payments:
|
Insured Events |
Insured Amount ($) |
|
Permanent
Disabilities |
|
|
Permanent Quadriplegia / Paraplegia |
750,000 |
|
Permanent Loss of Mental Powers |
750,000 |
|
Sight of both eyes |
350,000 |
|
Sight of one eye |
150,000 |
|
Up to 35% partial loss of sight in one/both eyes |
20,000 |
|
36% to 65% loss of sight in one/both eyes |
400,000 |
|
36% to 65% loss of sight in one/both eyes |
65,000 |
|
Loss of use of two limbs |
300,000 |
|
Loss of use of one limb |
150,000 |
|
Loss of speech |
100,000 |
|
Loss of hearing in both ears |
150,000 |
|
Loss of hearing in one ear |
50,000 |
|
Total loss of use of either hand |
80,000 |
|
Up to 35% partial loss of hearing in one/both ears |
5,000 |
|
36% to 65% partial loss of hearing in one/both ears |
10,000 |
|
66% or more partial loss of hearing in one/both ears |
15,000 |
|
Permanent disability not provided for above |
Insurer's
Discretion |
|
|
|
|
Broken or Fractured Bones |
|
|
Finger, Toe, Hand, Foot or Rib |
200 |
|
Arm, Elbow, Wrist, Leg, Ankle or Knee |
500 |
|
Neck, Skull, Spine, Pelvis or Hip |
3,000 |
|
All other breaks |
500 |
|
Fractured Leg or Patella with established non-union |
20,000 |
|
Shortening of the leg by at least 5 centimetres |
10,000 |
|
The maximum amount Payable for any one injury |
75,000 |
|
Dislocation |
|
|
Hip |
500 |
|
Knee, Shoulder Blade, Collarbone or Jaw |
250 |
|
All others |
150 |
|
Ligament and Organ Damage |
|
|
Ligament 鈥� knee, ankle, hip, spine, neck, shoulder |
2,000 |
|
Organ 鈥� spleen, kidney, liver, lung, heart |
2,000 |
|
Dental |
|
|
Loss of Permanent or Second teeth |
300 (per tooth) |
|
Loss of Milk or First Teeth |
100 (per tooth) |
|
Crowning of Damaged Teeth |
300 (per tooth) |
|
Other Damage |
50 (per accident) |
|
The maximum amount payable for any one injury |
5,000 |
|
Death as a result of injury |
50,000 |
|
Burns |
|
|
40% of the entire body or greater |
320,000 |
|
Between 20% and 40% of the entire body |
100,000 |
|
Out of Pocket Expenses |
|
|
Home Help, Tuition, Extra Travel - Up to 52 weeks(after 15 days) |
450 per week |
|
Bed Care Patient |
|
|
More than 24 hours as a result of injury - Up to 52weeks |
750 per week |
|
Emergency Rescue |
5,000 per accident per student |
|
Fee Relief |
|
|
Four terms following the accidental death of thePupil鈥檚 parent / guardian (Paid to Institution) |
15,000 |
|
Non-Medicare Expenses |
|
|
Percentage of Incurred expenses up to the maximum shown (Institution and organised sporting activities only) |
100% up to 7,500 |
|
Clothing Education and / or Sporting Equipment 鈥� lost or damaged as a result of an accident for which treatment was administered by a doctor. |
500 per accident / student |
|
Parent / Guardian Visitation |
2,500 |
|
Kidnap, Ransom, Extortion and Personal Assets |
300,000 |
|
Trauma Counselling Benefit (any one event) |
10,000 |