Cover
"What am I covered for if I have a medical problem?"
| Short Stay | Long Stay | |
| If you are taken ill or have an accident we will pay your medical bills. The additional cost of repatriation home if medically necessary, or back to the UK if elsewhere abroad. The cost of hospital/nursing home charges. | £2,000,000 | See below |
| If you are taken ill or have an accident we will pay your medical bills and hospital costs that are not covered by the National Health Service. | See above | £2,000,000 |
| The additional costs of repatriation home if medically necessary, or back to the UK if elsewhere abroad, plus including the cost of return to the UK to continue your studies (including returning home if a relative is ill). | No Cover | £5,000 |
| In the event of your death we will either repatriate your body or ashes or pay the funeral costs in the UK. | £3,000 | £5,000 |
| Emergency dental treatment for the immediate relief of pain. | £250 | £500 |
| Reasonable travelling and accommodation expenses for a friend or relative who on medical advice must stay with you. | £3,000 | See below |
| The cost of bringing a relative to the UK to visit you following a medical emergency. | See above | £5,000 |
"What if I take the Private Medical option?"
| Short Stay | Long Stay | |
| All of your medical emergencies will be immediately treated privately. | No Cover | £2,000,000 |
"What cover do I have if I have an accident or I am attacked or mugged?"
| Short Stay | Long Stay | |
| Payment for permanent loss of or loss of use of limbs or senses or death. | Up to £30,000 | £30,000 |
"What cover do I have while travelling to and from home at the beginning or end of term?"
| Short Stay | Long Stay | |
| You will be reimbursed if your luggage is lost, stolen or accidentally damaged. | No Cover | £1,000 |
| We will help replace your passport, tickets and other travel documents if they are lost or stolen. | No Cover | £500 |
| Money stolen either from your person or locked away will be replaced. | No Cover | £100 |
"What will you do if I get robbed or my luggage is lost or accidentally damaged?"
| Short Stay | Long Stay | |
| You will be reimbursed if your luggage is lost, stolen or accidentally damaged. | £1,000 | No Cover |
| We will help replace your passport, tickets and travel documents. | £100 | No Cover |
| Money stolen either from your person or locked away will be replaced. | £500 (cash £50) | No Cover |
"What if I need some legal help?"
| Short Stay | Long Stay | |
| If you accidentally injure someone, or damage their property we will cover your legal liability to pay damages. | £1,000,000 | £1,000,000 |
| Advice and assistance to take legal action is covered. | £10,000 | £10,000 |
"What happens if I have to cancel my course or I have to come home early?"
| Short Stay | Long Stay | |
| If you have to cancel or cut short your study in the UK due to accident, illness or bereavement we will cover your costs. | £3,000 | No Cover |
"Are my course fees covered?"
| Short Stay | Long Stay | |
| If you have to cancel your course or cut it short or repeat it due to accident, illness or sickness of yourself or an immediate relative we will reimburse your prepaid course fees proportionately. | £5,000 | £8,000 |
"A delay could cost me money?"
| Short Stay | Long Stay | |
| We will cover you if you are delayed on your first inward journey to the UK, subject to you buying this policy prior to departure. | £250 | No Cover |
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