本来是在另外一个帖子里回的，发完后想这个可能对很多妈妈都有用，藏在那个帖子里可能很多人都不会注意，所以从新开个帖子。斑竹莫怪！
事情详见这个：
http://www..com.au/bbs/f ... p;extra=&page=1
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关于在学校意外伤害产生的医药费和其他相关的费用
简而言之，这些费用都是家长负责
家长也可以lodge claim给教育部，如果能证明那些伤害和费用是 caused by the negligence (carelessness) of the Department, a school council or their employees or volunteers的话，教育部会cover那些费用，否则的话，就是家长承担了。
现在我的感觉是student accident insurance好像很有必要啊
这里是维州DEECD的官网连接：
http://www.education.vic.gov.au/ ... ages/recording.aspx
Who pays for medical treatment?
If a student is injured at school, or during a school organised activity, then parents/guardians are responsible for the cost of:
•medical treatment
•transport to a medical facility or home.
The Department will compensate for medical and other expenses if determined liable by its legal advisers or the courts.
Accident insurance for students
Student accident insurance may be taken out by:
•parents/guardians, deciding to obtain student accident insurance cover from a commercial insurer
这里是新洲教育局的官网文件
http://www.schools.nsw.edu.au/st ... insurance/index.php
The NSW Department of Education and Communities however does not provide, nor has it ever provided, accident or medical insurance for students enrolled in government schools.
Rather, the department is insured so that it can meet the financial impact of any legal liabilities arising from its activities.
For example, if the department or one of its staff is negligent and this causes a student to be injured, then the student will be able to legally recover damages from the department (and the department's insurance will cover the cost). However, if an accident occurs at a school and it is not caused by any wrongdoing or omission by the department, then the department's insurance does not cover the student.
The NSW Treasury Managed Fund provides cover for the department's day-to-day activities. The public liability component covers breaches by the department in its duty of care to students that result in claims for compensation.
新洲的还多一项这个，但是是针对permanent injuries meeting the minimum disability threshold or death
Supplementary Sporting Injuries Benefits Scheme
The only cover provided by the state government is through the Supplementary Sporting Injuries Benefits Scheme. The Supplementary Scheme covers all students should they be permanently injured or die while participating in authorised school sporting or athletic activities such as school lessons, training and competitions. The Supplementary Scheme provides a capital benefit for particular permanent injuries meeting the minimum disability threshold or death. Benefits are paid regardless of pre-existing conditions or negligence. You do not need legal representation in order to make a claim for benefit.
The Supplementary Scheme does not cover dental injuries, reimbursement of medical expenses, legal expenses or costs.
For more information on the benefits paid and how to make a claim please visit the website, www.sportinginjuries.nsw.gov.au or call 4321 5392.
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学习了，家有小孩的都有这个担心
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感谢分享
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看病私人保险管的。
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学习了，谢谢分享。
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我查了一下，应该可以买单独的学生意外险的，一年也就几十刀http://www.studenthealth.com.au/parents_prodinfo.html
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学习了
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谢谢分享
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楼上的学生意外险和私保有区别吗?
买了私保还需要买意外险吗?
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这个好，太感谢了
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学习了。不过基本意思是只能自认倒霉了。
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