STUDENTS INSURANCE - BENEFITS

Medical expenses - up to EUR 200'000 per insurance year

• Hospitalisation for surgery (including ambulance service):
  100% of actual costs
• Hospitalisation without surgery:
  100% of actual costs
• Private room:
  Up to 50 EUR a day
• Direct payment of hospital costs during approved hospitalisation for 24 hours or more:
  Provided on request 24 hours a day, if pre-payment agreement has been obtained
• Examinations and treatment carried out in hospital and lasting less than 24 hours:
  100% of actual costs
• Consultations, visits, procedures carried out by general practitioner or specialists:
  100% of actual costs (up to EUR 130 per year for eye care consultations)
• Diagnostic tests, laboratory tests, x-rays and drugs:
  100% of actual costs
• Procedures carried out by medical auxiliaries (following a reported accident):
  100% of actual costs
• Dental treatment (following a reported accident):
  Up to EUR 600 per year
• Cost of dentures (following a reported accident):
  Up to EUR 600 per year
• Prostheses excluding dentures - Eye care: lenses, contact lenses and frames (following a reported accident):
  Up to EUR 500 per year
• Contraceptives (condoms):
  Up to EUR 20 per year

Repatriation

• Transportation or repatriation for medical reason:
  Covered
• A relative or friend to stay with you during hospital stays of 6 days or more:
  Return ticket and EUR 80 per night, max. 10 nights
• Sourcing and sending you medication not available in the host country:
  Covered
• Early return home if a close relative dies:
  Covered
• Search and rescue services:
  Up to EUR 3'800
• Returning your body to your home if you die:
  Covered
• Provision of coffin:
  Up to EUR 1'000
• Advance payment of bail abroad:
  Up to EUR 15'000
• Passing on urgent messages:
  Covered
• Travel assistance if personal items are lost or stolen:
  Up to EUR 1'000

Counselling

• Telephone calls or exchanges of email with a clinical psychologist:
  Up to 5 per year

Personal liability

• Bodily injury:
  Up to EUR 4'500'000
• Physical and consequential damage to a third party:
  Up to EUR 460'000, including EUR 92'000 for consequential damage, excess EUR 76
• Physical and consequential damage caused to group leader:
  Up to EUR 12'000, excess EUR 76
• Legal cover - recourse:
  Up to EUR 3'100 for costs over EUR 228

Personal accident

• Death through accident:
  EUR 8'000 or funeral expenses for the under 16's
• Disablement through accident:
  Up to EUR 35'000, excess 20%

Delayed departure

• Reimbursement of fee charged by airline company for change of outward flight:
  Up to EUR 100, airline tickets only

Baggage cover

• Luggage which is lost, stolen, destroyed in an explosion or fire or by water during the trip or the stay:
  Up to EUR 1'600, excess of EUR 30 per claim. Limited to 50% for valuables (Works of art and collector's items, silverware, jewellery, precious stones and pearls, valuable paintings, furs, video recorders, cameras, binoculars, any type of hi-fi or IT equipment and hunting rifles).

During stays in the US:
In emergencies, during evenings and weekends, when your own doctor is unavailable, you have access, in certain American towns (ask us for details) to a network of doctors who will come to your home.

Links for more details:

Introduction

How the policy operates

Premium

General Conditions

Apply for cover