Inbound students Study Abroad and Exchange at the University of Melbourne
Health and travel insurance
All students must take out suitable insurance to cover themselves against misfortune such as loss or theft of belongings and especially against any medical costs incurred while overseas. These costs can be considerable.
There are numerous providers that have developed insurance policies especially for students, and Melbourne Global Mobility cannot recommend a particular policy. Students must research the different insurance options and select a policy to best suit their needs. Please also read the following Insurance Council of Australia website, which contains useful advice for travellers: Travel Insurance – Key Points for Consumers.
Be aware that some host institutions require that you purchase their insurance and you will not be enrolled until you provide proof of having done so. In these cases, it is important that you obtain health and travel insurance to cover the period between leaving home and commencing of your study overseas.
In some cases you may be able to seek a waiver for purchasing the host institution insurance. To do so you will need proof of comparable insurance before you will be enrolled, and, in at least one case, from an insurance provider with an office in the US.
The University of Melbourne has an insurance policy that is available for students travelling on University approved business. Application forms are available from Melbourne Global Mobility.
Some host institutions offer their own health insurance policy, which will cover the period spent at their institution, and in some cases it is mandatory that you purchase this insurance. This is the case at Canadian exchange partners where provincial laws require you to purchase the local insurance. If you choose or are compelled to take this option, please remember to ensure you have insurance to cover you for the period travelling from Australia to the host institution and after you leave. Please also ensure that your insurance covers you while travelling around during your exchange.
If the host institution does not offer an insurance policy, or you do not wish to take out their policy, you must obtain separate health and travel insurance before you leave. If you do take out your own insurance, it is important that you make sure it will be accepted as an appropriate alternative to any host institution insurance (this is especially applicable to US exchanges). In the past the University of Melbourne insurance has been judged to offer sufficient coverage by some exchange partner institutions to allow them to waive the requirement that you purchase their local insurance. You must apply to the partner institution for their requirement to be waived.
University of Melbourne student travel insurance
The University offers travel insurance to students travelling on university business. As a student studying overseas for credit to your University of Melbourne degree or diploma, or to meet a hurdle requirement, you are determined to be on university business and so can register to be covered by this travel insurance.
The insurance is FREE and provides full coverage. To see details you can download the full policy (192 KB pdf).
Please read the relevant section (Exchange or Study Abroad) below very carefully.
Period of travel
The university period of your travel is based on the actual required attendance period at the host institution, that is, from the first day of orientation to the final day of assessment. If you haven't already been sent a copy, search your host institution website by titles such as "academic calendar" or "principal dates" for the semester dates to help you identify the actual period of your proposed "university travel". Please ensure that a copy of the principal dates of the academic calendar of your host institution is attached to your University of Melbourne insurance registration form.
Note that this policy will cover you for one week before the first day of orientation to the end of one week after your final day of assessment per semester. If you are staying for two semesters with a break between the end of your first and the start of your second semester, this is travel outside the coverage period. Any travel outside coverage period is non-university travel and must be covered by other suitable insurance.
This can be with the University's insurer, ACE Leisure Travel Insurance, or with any supplier that suits your needs.
How to participate
You must "register" your details in order to be covered by the University's free insurance for the period of your exchange.Copies of the insurance policy summary will be given to you with your host institution application form for your information.
When you receive the acceptance letter from the partner institution, if it hasn't been given to you already, ask Melbourne Global Mobility for the insurance registration form. You will need to know the dates of your travel, the orientation start date at the host institution and the exam/assessment period end date when completing the form.
Once you have been accepted by the partner institution, the registration form must be completed and returned to the Melbourne Global offices at least 10 days prior to your departure from Australia. You can NOT register for this insurance once you are overseas.
Extending your insurance
The insurance cannot be extended except where you are extending your time on exchange from one semester to two semesters. Again you must purchase insurance to cover you for your personal travel.
Study Abroad and students enrolled in University of Melbourne subjects
If you are studying overseas as an independent Study Abroad student for credit or you are enrolled in a University of Melbourne overseas subject, you will be eligible to be covered by this University of Melbourne insurance.
Period of travel
The university period of your travel is based on the actual required attendance period at the host institution, that is, study time from the first day of orientation to the final day of assessment. It does not include any mid-semester breaks or long public holiday weekends (ordinary weekends are included). If you haven't already been sent a copy, search your host institution website by titles such as "academic calendar" or "principal dates" for the semester dates to help you identify the actual period of your proposed "university travel". Students participating in a University of Melbourne overseas subject must show the period that they are actually required to attend overseas.
It is a good idea to take a copy of the principal dates from the host institution or subject co-ordinator at the University of Melbourne when submitting your insurance registration form to the Insurance Office.
Note that coverage of personal or non-university travel during your time overseas must not be greater than thirty-one days or your period of university travel, which ever is less. Any travel outside the coverage period is non-university travel and must be covered by other suitable insurance. This can be with the University's insurer, ACE Leisure Travel Insurance, or with any supplier that suits your needs.
How to participate
You must "register" your details in order to be covered by the University's free insurance for the period of your study overseas. To do this you must register your travel details on-line, once your enrolment has been changed to reflect that you will be studying overseas for a period in the future. When you submit the on-line form, the request for approval will be sent to your student centre as nominated by you in the form. The student centre staff must confirm that your period of overseas study is for credit by approving the on-line form.
Note that this process is managed by the Insurance Office here at the University. The Insurance Office will confirm your coverage by email in the fortnight following you lodging the form.
Alternative insurance policies
Alternative insurance can be purchased from any supplier that suits your needs.
The University is not in a position to recommend, or verify, the integrity of the following external and independently operated insurance facilities. If you wish to consider taking out such a policy you are obliged to exercise your own due diligence and undertake the necessary enquiries, to ensure that their products will be sufficient for your unique, individual requirements. If you do elect to purchase a benefit from an alternative provider, in addition to registering with the University of Melbourne's Travel Insurance scheme, please record on your Melbourne registration Form the name of the company and policy that you have purchased.
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