IMG Europe WorldStudy medical Insurance, international student health insurance

Brochure
Benefits
Comprehensive plan
Comprehensive plan
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Provider network
Claims

WorldStudy Insurance 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.
Conditions of Cover
- 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.

Hospitalisation	Full cover*
Intensive care unit	Full cover*
Medical Expenses	Full cover*
Out-Patient Medical Expenses	Full cover*
Laboratory	Full cover*
Radiology/X-ray	Full cover*
Chemotherapy/Radiation Therapy	Full cover*
Chiropractic Care	Full cover*
Pre-Existing Conditions	No cover
Pre-Admission Testing	Full cover*
Inpatient Mental/Nervous	No cover
Outpatient Mental/Nervous	No cover
Surgery	Full cover*
Maternity and Newborn Care	FNo cover
Extended Care Facility	Full cover*
Home Nursing Care	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
State Hospital Cash Benefit	£60/€75/$100 Per night up to a maximum of 14 nights

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
24 Hour Emergency Medical Help Line	Included
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

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
Terrorism	Full Cover
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.

Area of Cover Options (As shown on your Certificate of Insurance. Refer to Area of Cover definition for further details)	Europe Worldwide excluding USA & Canada Worldwide including USA & Canada
Age Limits	Under 60 years for Participant Under 60 years for Spouse 15 days to 18 years for Dependent Child
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

IMG Europe WorldStudy Insurance