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Student Personal Accident Cover- Boarding and Non-Boarding

Insurance Provider: Chubb Insurance Australia Limited

This insurance is included in the Group Insurance / Risk Program and the cost to access this cover is included in the rate charged to Lutheran Education facilities upon renewal of their insurance program.

Kids will be kids - so it's important to have the right cover when the unexpected happens.

All students of Lutheran Education facilities (including Kindergartens, Child Care Centres, and Preschools) within the LCA are automatically covered by Student Personal Accident Cover (Gold Plus level)

What is covered?

Children are covered 24 hours per day, 7 days per week, 52 weeks per year but only in respect to any injuries that happen:

  • While the student is engaged in school activities and school-related extra-curricular activities (including work experience, vocational training, excursions etc.)
  • While the student is engaged in organised school sporting activities
  • While the student is engaged in organised non-school sporting activities with a club that is a member of an established sporting association. The student must be a registered and/or a financial participant of the club
  • During travel to and from school, school activities, organised school sporting activities, and organised non-school sporting activities.

Please note although student activities are covered worldwide, the Non Medicare Medical Expenses are only covered for expenses incurred within Australia which are not subject to a Medicare rebate or recoverable from another source.  However, the Travel policy would cover Overseas Medical Expenses for student on overseas school trips.


  • Deliberately self-inflected injury
  • Engaging in any aerial activity except as a passenger in anmy properly licensed aircraft
  • sexually transmitted disease, or Acquired Immune Deficiency Syndrome (A.I.D.S.) disease or Human Immunodeficiency Virus (H.I.V.) infection which is sexually transmitted
  • Training and/or participating in professional sport of any kind
  • Intentional self-injury or suicide
  • Pregnancy, childbirth or miscarriage
  • Fraudulent, dishonest, or criminal acts



Student Personal Accident Cover Resources

Student Personal Accident Non-Boarders & Boarders Cover Policy Document

Student Personal Accident Claim Process Flow Chart

Student Personal Accident Claim Form, Procedure & Contact

Student Personal Accident Medical Practitioners Statement

Student and Teachers Personal Property

This cover has now been removed

Please note that this website only provides a summary of coverage. More detailed information is available by contacting LCA Insurance directly. The insurers policy wordings will take precedence over information contained in this website.