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Practicum, Work Experience, Research Participant or Volunteer Activities

Many students ask if practicum or off-campus course work, or work experience activities are covered by ECU insurance policies.

Insurance cover applies to students if:

"a student officially engaged in unpaid work experience duties or on practicum experience approved or arranged by ECU".

Students who arrange their own work experience activities or practicum need authorisation from their Head of School, based on a recommendation from their program or unit coordinator. Students that arrange work experience activities without authorisation from their Head of School may not have personal accident or liability insurance cover.

Work experience or work-integrated learning (WIL) activities are supported by ECU's WIL principles.  Resources can be found on the work-integrated learning webpage.

If you have any queries about whether your activities are covered by ECU insurances, please contact

ECU's personal accident insurance cover also extends to other parties involved in ECU activities.  These include Volunteers, Research Participants and students involved in Sporting Activities as a representative of ECU.   The personal accident policy does not apply to any member general public (including students or staff) who may register and participate in social sporting activities through ECU Sports.

ECU provides insurance cover to any persons who are asked to undertake volunteering activities on behalf of ECU. This could be staff members, students or the general public. Volunteering also includes anyone who volunteers their time to ECU – for example, to assist with a field trip or an ECU Open Day.

If you are arranging volunteering activities or will be participating in volunteer activities, contact to find out if you have cover.

ECU Researchers engage with volunteers to assist with research activities.  Research Participants are covered by ECU's General Liability and Personal Accident Insurance in the event they are injured or become unwell during the course of participation in research activities.

Researchers should also ensure compliance with Research Governance requirements.

Note participants may not be covered by insurance if a written consent form has not been completed and returned to the Researcher before commencement of research activities.

Adverse or unforeseen events

Researchers are required by the conditions of your ethics approval to immediately report to the Human Research Ethics Committee anything that might warrant review of ethical approval of the research project.  Please refer to the Ethics page or email

ECU's Personal Accident Insurance also provides cover for students representing ECU in sporting activities or events, as well as certain course activities requiring physical or sporting activity. These activities include:

"students of ECU are covered whilst engaged in sporting related activities as part of course requirements, excursions, field trips, University-representative sports activities, off campus activities, camps or any other similar activity which is organised or under the control of ECU, including direct travel between the University campus and such activity. This includes WAAPA students participating in off campus dance, performing arts, theatre workshops, showcases, unpaid performances and physical/human movement activities as part of course requirements. WAAPA on campus activities covered include showcases, performances and dress rehearsals."

No cover extends to students undertaking physical activity described above, if it is undertaken against the advice of a medical practitioner.

In the event of an incident, accident or near miss:

Practicum or Work Experience

Report any incident, accident or near miss, to:

  • Site or Host Supervisor
  • ECU Supervisor
  • Make an online report (“see also” for online incident report form)

Volunteers & Research Participants

  • Report immediately to ECU Supervisor, Coordinator or Researcher and make an online report

Sporting Activities (including ECU Representative sports and WAAPA Students)

  • Report to ECU Supervisor or Student Life team
  • Make an online report

ECU's Personal Accident insurance includes "out of pocket" non-Medicare medical expenses cover.  An excess of $50 applies to all claims made and the policy limit is capped at $10,000.  Students, volunteers or research participants who submit a claim MUST claim from any other source before submitting their claim for consideration.  In the event of injury, the following process applies:

  • Follow advice for "When an Incident Occurs"
  • ECU Staff (including Researchers) provide information to the student, volunteer or research participant on how to make a claim
  • Any claims where costs are recoverable through Medicare ARE NOT claimable against the policy
  • Medical treatment costs must be paid for by the student, volunteer or research participant
  • Once medical treatment costs are paid, reimbursement must then be sought through private health insurer or student health insurance policy first
  • Any gap or non-refundable portion of medical treatment costs can then be claimed against the personal accident policy
  • If the claim is accepted, insurer refund will be made, less the $50 excess and to a maximum of $10,000

Non-Medicare Medical Expenses definition:

“Non-Medicare Medical Expenses means expenses that are not subject to any full or partial Medicare rebate nor recoverable by You or by an Insured Person from any other source and incurred within twelve (12) calendar months an Insured Person sustaining an Injury and paid by You or the Insured Person, certified necessary by a legally qualified medical practitioner, to a registered Private Hospital, physiotherapist, chiropractor, osteopath, nurse or similar provider of medical services excluding the cost of dental treatment unless such treatment is necessarily incurred to sound and natural teeth, excluding dentures and is caused by injury. Medical expenses does not include any or part of any expenses for which a Medicare benefit is paid or is payable including the balance of monies due or payable by that Insured Person after deduction of any Medicare benefit or rebate from the actual expense incurred (commonly known as the “Medicare Gap”).

Provided that We shall not be liable to make any refund in respect of:

(i) any expense recoverable by that Insured Person from any other source except for the excess of the amount recoverable from such source;

(ii) any expense to which Section 67 of the National Health At 1953 (as amended) or any of the regulations made there under apply;

(iii) Any excess or deductible as shown in the Policy Schedule.”

If you are unsure if the ECU personal accident insurance cover will apply to you and your activities, please contact

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