Insurance cover for Work Experience and Internships

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Are you an individual or student looking to undertake work experience or someone trying to get a foot-in-the-door of your desired industry through an internship or on-the-job experience? Or perhaps, you’re an organisation about to accept a work experience placement.

When undertaking work experience or an internship the organisation’s existing policy often cannot extend to cover the individual. As a result, the individual is commonly required to provide their own insurance, whether they arrange cover themselves or the organisation wishes to arrange it on their behalf.

What insurance do interns and work experience participants need?

Whether you are working somewhere for only a few weeks, months or even up to a year, there are insurance options that you need to consider. Aon has worked with insurers to create an insurance policy tailored for the risks commonly faced by individuals undertaking an internship or work experience that provides cover for Public Liability and Personal Accident. You can even receive a quick quote with Aon and buy online.

Cover benefits through Aon

Public Liability Insurance
Public Liability covers work experience personnel from their legal liability to pay third parties for personal injury and/or property damage if proven legally liable or negligent. The policy we arrange provides you with a Limit of Liability of $20,000,000.
This policy has a nil excess, therefore, you won’t need to pay anything additional should you need to lodge a claim
Personal Accident Cover
This policy provides cover for Accidental Injury or Death only to the individual engaged in work experience, including direct uninterrupted travel to and from such work experience activity. The policy we arrange provides a lump sum benefit of up to $100,000 for Bodily Injuries resulting in Death and other permanent injuries, like paraplegia or quadriplegia, and weekly benefits which equate to your loss of income as a result of such Bodily Injury, to a maximum of $1,000 per week subject to all policy terms and conditions.
There are also added benefits built into the policy to assist you, refer to the benefits located in the FAQ section below to find out more!

Why choose Aon?

Frequently Asked Questions

What are the benefits of having personal accident cover*?
  • Nil excess on all claims
  • Home or car renovation/modification up to $5,000.
  • Funeral expenses - $5,000.
  • Non-Medicare Medical Expenses - excluding any costs wholly or partially covered by Medicare2 - up to $1,500.
  • Out of pocket expenses reasonably and necessarily incurred due to an injury - $500.
  • Pharmaceutical expenses following advice of a medical practitioner, for an injury incurred - up to $500.
I need to make a claim, what do I do?

If you become aware of a matter/issue that may be (or give rise to) a claim, you must notify us as soon as possible and provide all relevant correspondence and documentation in accordance with the requirements under your policy. You can notify a claim by calling Aon on 1800 123 266, emailing, or writing to Aon at PO Box 1331, Parramatta, 2124.

Where does your cover extend to in Australia?

The Work Experience Insurance we arrange provides cover to individuals or organisations across the whole of Australia including NSW, WA, NT, QLD, SA, VIC, ACT and TAS. So, regardless of where you live or operate from in Australia, Aon can get you cover.

  1. We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox
  2. Under Australian Federal Legislation, it's illegal for general insurance companies to cover medical items that would/ should have been covered by Medicare. This means insurers won’t cover Medicare payment gaps, eg. if a GP charges $100 for their service & the medical scheduled fee is $75, the $25 gap is uninsurable.

* All the benefits listed above are based on a per claim basis. For full details, please review the relevant Product Disclosure Statement and full policy terms and conditions available from Aon on request.

Work Experience Insurance is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon) as agent for the insurers, Insurance Australia Limited trading as CGU Insurance, ABN 11 000 016 722 and Accident & Health International Underwriting, ABN 26 053 335 952. If you purchase this insurance Aon will receive a commission that is a percentage of the premium. Please let us know if you would like any further information.


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