Insurance Coverage for Enrolled Research Candidates

The following summary information is intended to inform HDR candidates about the insurance coverage available to them while enrolled at Macquarie. It presents information on public liability/accident insurance under the current policy. Research students intending to take approved overseas research leave or work off campus on approved activities should read this insurance information.  Research students who are on approved Leave of Absence are not covered by University insurance.

Full details about Macquarie University insurance are available at: www.ofs.mq.edu.au/university_insurance/index.htm.

Public Liability

The University is covered by public liability insurance. This insurance covers the University's legal liability to pay compensation in respect of bodily injury to a third party and damage to property happening during the period of insurance, caused by an occurrence or accident within the geographical limits, and in connection with the University and its products. In addition, students “under the direction or control of the University whilst undertaking any activity approved, requested or recognised by the University” have protection under the University’s public and professional indemnity liability policies. Such activity may include practical training both on or off campus including, practical placement, enterprise/work experience and off-campus field assignments

Accident Insurance

The University has personal accident insurance cover for enrolled students who are on work experience and/or Outreach programs approved by the University.  The scope of the cover includes students enrolled whilst undertaking "academic" activities (i.e. while on campus, class field trips/excursions/research and observation visits, field placement, work experience, practicum and community outreach programs (including travelling but not the daily commuting to and from University)) directly related to an approved course and all other associated activities relative to the approved course which are authorised by the University.  Also included are non-academic activities (viz University supported sporting or other sub club activities, pursuits) including travelling, but excluding daily communting to and from the University.  This cover is only extended to Australia.

Travel Insurance

Postgraduate students undertaking enrolment-related travel are protected under the University’s insurance policy. Benefits include coverage for loss of baggage and electronic equipment; emergency assistance and personal accident insurance. Any information on Travel Insurance should be read in conjunction with the University's Travel Policy which is on the Financial Services website.

It is important to note that the maximum travel insurance duration is 180 days.  It can be extended to nine months on request to the insurer and payment of an extra premium. 

Anyone contemplating being away from Australia for more than nine months needs to consider Expatriate Medical Insurance that provides medical expenses cover for persons who are residing outside of Australia for long periods of time.

For further information please check the University's Travel Insurance for details.