Student Insurance – UK

International Student Insurance

In the UK you will be entitled to free accident & emergencies treatment from the National Health Service (NHS).  However, for all other medical treatment including hospitalisation you will need to pay. Therefore, before moving to the UK, it is vital that you have adequate insurance in place to cover any unforeseen medical issues as well as other unfortunate events such as the theft of your belongings.

In order to protect our students, we have partnered with Howden UK Brokers Limited to offer an insurance policy that ensures you will be covered during your time at International Foundation Group (IFG).

For students enrolling with International Foundation Group (IFG) insurance is compulsory.  We hope that you will decide to use Howden’s insurance but if you decide to use an alternative provider you must provide evidence of your insurance and its suitability before you commence your course with International Foundation Group.

Howden International Student Insurance:

This international student insurance policy is designed to cater for the insurance needs of persons studying with International Foundation Group. The product provides cover including emergency medical assistance and emergency medical costs, protection in the event of cancellation or curtailment, cover for loss, theft of, or damage to baggage and personal money and cover for course fees.

Key features and benefits:

• A 24-hour helpline for medical emergencies
• Emergency medical expenses in the event of illness or injury
• Private medical cover up to £250,000
• Protection against cancellation or curtailment charges
• Cover for loss or damage to baggage and personal money
• A wide range of sports and activities covered
• Cover for irrecoverable pre-paid tuition fees

Key eligibility criteria and exclusions:

• Not available to anyone aged 65 or over
• No cover under cancellation or curtailment charges, emergency medical expenses or personal accident relating to any reason set out under ‘Important conditions relating to health’ – see group policy wording
• No cover where the FCO or World Health Organisation has advised against travel
• Each claim will be subject to an excess wherever an excess applies

Summary of costs and cover:

The cost of our insurance package for IFG students is £162 for 6 months.

The table below displays a summary of the maximum amounts which are payable under each section. Please note the group policy is subject to terms, conditions, limits and exclusions – please refer to the group policy wording and the statement of insurance for full details of the cover provided.

Insurance Summary
Benefits	Maximum	Excess
Cancellation or curtailment charges	£5,000	£50
Emergency medical & other expenses	£2,000,000	£50
Emergency dental treatment	£500
Private Medical Emergency Cover	£250,000	£250
Personal accident (subject to age)	£30,000	£0
Baggage	£7,500	£50
Single article, pair or set limit	£2,500
Valuables limit in total	£3000
Personal money, passport & documents		£50
Currency, notes and coins	£100
Other personal money and documents	£100
Passport or visa	£500
Personal liability	£1,000,000	£100
Missed departure	£250	£50
Overseas legal expenses & assistance	£10,000	£0
Course fees	£18,000	£50

Conditions:

It is a condition of completing your booking with us that you have adequate insurance. Insurance will be included for you automatically as a part of your booking – Please note that as soon as your full first deposits have been paid and received, your policy will then become effective immediately.

If you have arranged alternative insurance for whilst you study with International Foundation Group, then you must provide evidence of this insurance and its suitability before you commence your course with International Foundation Group.

Please find below the full suite of the Howden (formerly Endsleigh)insurance policy documentation that will be applicable to you:

Additional Useful Information:

• Online Howden Travel Claim Form
• Howden UK Privacy Policy