IMG

IMG Europe World study Insurance

World study student insurance offers international short term travel insurance and expatriate health insurance for travelers outside their home country. The plans are quote popular as they offer coverage in $USD, £GBP, and €Euro options.

Covid coverage for World study Insurance for international students

Worldstudy includes coverage for Covid 19 without any restrictions.
  • Plan Benefits
  • Eligibility
  • Highlights
  • Conditions of Cover

Plan Benefits of World study Insurance

Benefits Coverage
Plan Maximum (per insured person) £750,000/€1,000,000/$1,250,000 £1,500,000/€2,000,000/$2,500,000
Age Limits
  • Under 60 years for Participant
  • Under 60 years for Spouse
  • 15 days to 18 years for Dependent Child
Area of Cover Options
(As shown on your Certificate of Insurance. Refer to Area of Cover definition for further details)
  • Europe (as defined)
  • Worldwide excluding USA
  • Worldwide
Coverage Duration Options 30 days up to 12 months
Coverage Extension Period Up to three months past policy expiry date for continued treatment of an eligible illness
World-class Medical Benefits Coverage available for inpatient and outpatient medical expenses Freedom to choose any hospital, clinic, or doctor in your area of cover
Medical Benefits
Hospitalisation Full cover*
Intensive Care Full cover*
Medical Expenses Full cover*
Out-Patient Medical Expenses Full cover*
Pre-Existing Conditions No Cover
Day Patient Surgical/Hospital Facility Full cover*
Emergency Illness - without In-patient Admission Chemotherapy/Radiation Therapy Full cover*
Emergency Local Ambulance Transport Full cover*
Prescription Drugs Full cover*
Emergency Room - Accident Full cover*
Emergency Room - Illness (Subject to an additional excess of £150/€200/$250 if not admitted as an inpatient or day patient) Full cover*
Dental - Injury due to Accident Full cover*
Dental - Sudden Dental Pain Up to £75/€100/$125
Public/State Hospital Cash Benefit £60/€75/$100 Per night up to a maximum of 14 nights
International Emergency Care & Assistance
24 Hour Emergency Medical Help Line Included
Emergency Medical Evacuation Up to £300,000/€400,000/$500,000 Policy Limit (independent of Maximum Limit)
Emergency Reunion Up to $50,000 / £30,000 / €40,000
Cremation/Burial, or Repatriation of Remains Up to $50,000 / £30,000 / €40,000
Natural Disaster Evacuation & Accommodation $100 / £60 / €75 per day for up to five days
Repatriation for Medical Treatment Up to £30,000/€40,000/$50,000
Additional Benefits
Terrorism Full Cover
Incidental Return Trip You are covered for trips to your Country of Habitual Residence up to a cumulative period of 30 days during the period of insurance
Organised Sports Up to £3,000/€4,000/$5,000 per illness or injury
Personal Liability Up to £750,000/€1,000,000/$1,250,000 combined Maximum Limit for Injury to third person and damage to third person's property £75/€100/$125 per Injury

Excess for Injury to third person or damage to third person's property: £75/€100/$125 per occurence per damage.
Additional Coverage Options
Adventure Sports Option Up to £30,000/€40,000/$50,000
Eligibility
  • WorldStudy plans are available for cover to individuals and dependents, families, and groups of various nationalities whose Country of Habitual Residence is the United Kingdom or a member state of the European Union.
  • All participants of the plan must be 15 days of age and under 60 years of age at the Effective Date of coverage.
  • For USA citizens who meet the Eligibility requirements to purchase this product:
    • USA citizens requiring Worldwide coverage will have an annual limit of 180 total days of coverage inside of the USA
    • Only brief returns to the USA are covered under the Incidental Return Trip Coverage, as applicable
  • Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law.
exclusion-icon Highlights
  1. Flexible medical cover for students, dependents, and student groups.
  2. Cover for treatment resulting from COVID-19
  3. Available in £GBP, €EUR, $USD
  4. Two plan maximum limit options
  5. Nil excess
  6. Choose your area of coverage (Europe, worldwide excluding the USA, or worldwide)
  7. Freedom to choose your provider
  8. Emergency Medical Evacuation and Organised Sports cover
  9. Adventure Sports option for additional cover
  10. Medical professionals on staff to coordinate member care
  11. 24-hour access to information via MyIMG
Conditions of Coverage
  • Coverage and benefits are subject to the excess and co-insurance, and all terms of the plan and Policy Wording.
  • Coverage under a GlobeHopper plan is secondary to any other coverage.
  • Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
  • Charges must be administered or ordered by a medical practitioner.
  • Charges must be incurred during the period of insurance or the coverage extension period (if applicable).
  • Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.