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.
- Claims must be presented to IMG for payment within 180 days from the date the claim was incurred.
Eligibility
The following conditions apply to all persons applying for and/or enrolling in WorldStudy International Student Health Insurance:
-
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.
- Coverage for students and dependents, and student groups abroad and enrolled in educational programs, as well as individuals and groups on a cultural exchange program away from their country of habitual residence.
-
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.
Renewal of Coverage
If your WorldStudy plan is purchased for a minimum of 30 days, coverage may be renewed/extended (unless there is a break
in coverage) on a continuous basis for a total of up to 12 months from the original effective date. Renewals are available in whole
month or daily increments and may be completed online. For
each renewal of less than one month completed online, you will
be charged an additional £5 / €5 / $5 processing fee.
It’s quick and easy to renew/extend eligible plans. Prior to the expiry
of your plan, we’ll send an email to the email address you provided
when you originally purchased your plan. Then, if you wish to
renew/extend your plan, simply click the hyperlink within the email
and follow the instructions before your plan expires.
14 Day Money Back 'No Hassle' Guarantee
Upon receiving your WorldStudy policy documents, please make sure
you read them carefully. If you think
your WorldStudy plan may not
meet your needs, you may cancel it.
You may cancel your policy by writing to or calling us within the first 14 days of receiving your policy. If you do this then you will receive a refund of the premium you have paid provided that no claims have been made in that time. If you do not exercise this right within the 14 day cooling off period then your policy will remain in force for the period you have chosen and set out in your Insurance Certificate.