Hi
I own a centre and we are covered for public liability, so if a child trips over a mat at preschool and hits there head on the table and the child needs to go to hopital we are responsible. But if a child is running around outside trips falls and a tooth goes through there lip than it is an accident and the centre is not liable for this as kids are kids and they are going to fall and hurt themselfs.
We had one child not sitting correctly on a chair a staff member asked this child a couple of times to sit properly, the child fell and her tooth went through her tougue.
If you are not covered by the centre, you will get some back through medicare. I've just had a $500 bill for DD3 to be knocked out for dental work and I got back just over $200 of it.
My son broke his leg at preschool, apparently a child jumped on his leg. Nobody realised it was broken at the time so I didn't get an ambulance to pick him up until I took him to a medical centre later in the day. I never asked about the centre reimbursing medical fees, mainly because I'm on a pension so haven't recieved any bills or anything for the ambulance, the operation, and the few days in hospital. Thankfully since he was not attending for 5 or 6 weeks, the centre had that reimbursed onto my account so that even though I had paid for them, I had that credit available again to pay for weeks when he was actually attending the centre. They also paid for him to go to a reptile show at the centre that was on while he was in his cast. It wasn't a big expense but it was a nice gesture.
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