Schedule of Cover
This Schedule of Cover and Excesses must be read in conjunction with the WorldStudy Policy Wording (copy available upon request), and all sections and cover are subject to all terms and conditions.
Your cover is always subject to the overall aggregate maximum sum insured per insured person. Each section of cover is per Insured Person and per Period of Insurance, unless stated otherwise and always subject to the benefits stated for each sub-plan and plan terms, conditions, limitations and exclusions. Please note that sub-limits and preauthorisation requirements apply within certain benefit sections - refer to the Policy Wording for further details.
All benefit limits and excesses in this schedule of cover and excesses are set in £Sterling, €Euros and $US Dollar. The currency in which you pay your premium being either £Sterling, €Euros and $US Dollar, is the currency that applies to your sub-plan for the purposes of the benefit limits.
Click the blue headers for further information.
| Plan Information & Highlights |
Maximum Policy Limit Options
(Per Insured Person, Per Period of Insurance) |
£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
|
Excess Options
Per Insured Person |
Nil Excess
£0/€0/$0
|
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
| |
Sponsoring Organisation Renewal options
|
Renewable annually until reaching a maximum of 60 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
| |
24 Hour International Emergency Care
|
24 hour medical emergency helpline plus a wide range of
international emergency benefits including emergency
evacuation, emergency reunion, return of mortal remains and
more
| |
MyIMG
|
24 hour secure access from anywhere worldwide to manage
your account online
| |
| Medical Benefits |
Maximum Limits are per Period of Insurance unless otherwise stated.
|
| 1 | Hospitalisation | Full cover* | | 2 | Intensive Care Unit | Full cover* | | 3 | Medical Expenses | Full cover* | | 4 | Outpatient Medical Expenses | Full cover* | | 5 | Pre-Existing Conditions | No Cover | | 6 |
Day Patient Surgical/Hospital
Facility
| Full cover* | | 7 |
Emergency Illness - without In-patient Admission Chemotherapy/Radiation
Therapy
|
Full cover*
| | 8 |
Emergency Local Ambulance
Transport
| Full cover* | | 9 | Prescription Drugs | Full cover* | | 10 | Emergency Room - Accident | Full cover* | | 11 |
Emergency Room - Illness
(Subject to an additional excess of
£150/€200/$250 if not admitted as
an inpatient or day patient)
| Full cover* | | 12 | Dental - Injury due to Accident | Full cover* | | 13 | Dental - Sudden Dental Pain | Up to £75/€100/$125 | | 14 |
Public/State Hospital Cash
Benefit
|
£60/€75/$100
Per night up to a maximum of 14 nights
| |
| International Emergency Care & Assistance | When coordinated through the Plan Administrator. |
| 1 | 24 Hour Emergency Medical Help Line | Included | | 2 | Emergency Medical Evacuation |
Up to £300,000/€400,000/$500,000 Policy Limit
(independent of Maximum Limit) | | 3 | Emergency Reunion | Up to £30,000/€40,000/$50,000 | | 4 | Cremation/Burial, or Repatriation of Remains | Up to £30,000/€40,000/$50,000 | | 5 | Natural Disaster Evacuation & Accommodation |
£60/€75/$100 per day for up to five days
| | 6 |
Repatriation for Medical
Treatment
|
Up to £30,000/€40,000/$50,000
| |
| Additional Benefits |
| 1 | Terrorism |
Full Cover
| | 2 | 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
| | 3 | Organised Sports |
Up to £3,000/€4,000/$5,000 per illness or injury
| | 4 |
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 | These benefits are optional and only applicable if selected and purchased at time of original application. Options apply to all individuals listed on the application form, unless otherwise noted. |
| | Adventure Sports Option | Up to £30,000/€40,000/$50,000 | |
This website contains only a brief summary of current coverage, terms, conditions, limitations and exclusions, and is subject
to all the terms and conditions of the full Plan and Policy Wording The complete Policy
Wording (and any applicable Endorsements) with all terms, conditions and exclusions
will be included in the fulfilment kit sent to approved applicants. These plans are amended, modified or replaced from
time to time, and IMG reserves the right to issue the most current Policy Wording for this
insurance plan in the event this application and/or brochure has expired, is modified,
or is replaced with a newer version. Samples of current Policy Wording are available
upon request.