Area of Cover:
The United Kingdom of Great Britain and Northern Ireland, Isle of Man, and Channel Islands.
Cover in EEA countries is limited to a total of 30 days per Period of Insurance, excluding
the Home Country where that country is in the EEA. The EEA is defined as the European Union
plus Norway, Iceland and Liechtenstein
Insurance Premium Tax (IPT):
IPT is a tax on premiums received under taxable insurance contracts within the United
Kingdom. The student product will incur a 12% tax charge on the final premium.
Underwriting:
This Policy is subject to simplified underwriting. This means that all Pre-Existing Medical
Conditions are excluded from the Policy.
This Policy includes a mix of medical and non-medical benefits; as such, any Non-Medical
Expenses claims which arise, that can be shown to have originated before the Commencement
Date, will also be excluded.
Only new conditions, or circumstances that give rise to a Non-Medical Expenses claim, that
occur after the Commencement Date are covered by the Policy (subject to any specific waiting
periods).
Suitability:
This product is suitable for foreign nationals resident in the UK, enrolled in a part-time or
full-time educational course and for whom study is the primary reason for living in the
UK.
Table of Benefits
|
|
Student Protector
|
Annual Maximum |
£250,000
|
Travel delay |
£50 for each complete 12-hour period of delay,to a limit of £200
|
Missed departure |
100% of cost incurred,to a limit of £500
|
|
|
Student Protector
|
Early and permanent return to your Home Country
|
£3,000
|
|
|
Student Protector
|
The death or Critical Condition of a Close Relative resident in the Home
Country
|
£250
|
|
|
Student Protector
|
The accidental loss or theft of:
Cash
Bank notes (carried by You)
Postal or money orders;
Travel tickets; petrol coupons;
Food vouchers and driving license; all held for private purposes.
Passport
|
£250
|
|
|
Student Protector
|
Travel costs incurred when attending your nearest and/or most
appropriate consulate,
embassy, or high commission for assistance.
|
£250
|
|
|
Student Protector
|
Accommodation, operating theatre and recovery room costs
|
100% of cost
|
Diagnostic procedures
|
100% of cost
|
Doctor, specialist, surgeon, nursing and anaesthetist fees
|
100% of cost
|
Surgical appliances
|
100% of cost
|
In-Patient Prescription Drugs and Medicines
|
100% of cost
|
Radiotherapy, chemotherapy and oncology
|
100% of costs
|
Hospital Cash Benefit
|
£75 per day up to £750
|
Chronic Conditions
|
100% of diagnostic costs only
|
Emergency medical transfer, non-emergency medical transfer, or return to the
United
Kingdom
|
100%
|
|
|
Student Protector
|
GP consultations
|
100% of costs up to £1,000
|
Physiotherapy
|
100% of costs up to £1,000
|
X-rays, scans and diagnostic tests
|
100% of costs up to £1,000
|
Outpatient specialist consultant and clinic fees
|
100% of costs up to £1,000
|
Chiropractic / osteopathy / acupuncture
|
100% up to £250
|
Mental health
(requires a GP referral)
|
75% of costs up to £2,500 (Lifetime Limit)
|
|
|
Student Protector
|
for theft of:
Mobile phone
Laptop / computer
Tablets & e-readers
Earphones & headphones
Chargers and power banks
Watches, including smart watches
Personal music storage devices
|
50% of costs up to £1000; single article limit of £500
|
|
|
Student Protector
|
For the relief of pain due to an injury to Your teeth; this includes the
relief of sudden
and Acute Condition
|
Up to a maximum of £500
|
|
|
Student Protector
|
The repatriation of your mortal remains to your home country
|
100% of costs up to £5,000
|
|
|
Student Protector
|
Expenses of one relative or friend, who is required on medical advice to
travel to,
remain with or escort you whilst severely incapacitated
|
100% of costs up to a maximum of £3,000
|