This policy provides cover for overseas students under the age of 64 studying outside of their home country. Please read this important information carefully, and make       sure you understand it, and that it meets your needs.

The InterGlobal “StudentCare” Policy is underwritten by International Health Insurance   danmark a/s, a Standard & poor’s Api rated International Insurer.

The Standard & Poor’s rating System is as follows:

AAA or AAApi Extremely Strong

AA or AApi Very Strong
A or Api Strong
BBB or BBBpi
BB or BBpi Marginal
B or Bpi Weak
CCC or CCCpi Very Weak
CC or CCpi Extremely Weak
R Regulatory Action
Good NR Not Rated

*pi = public information

The ratings from AA to CCC may be modified by the addition of Plus (+) or Minus (-) signs to show relative standing within the major rating categories. Supported by these outstanding underwriters independently rated by Standard & Poors, You can be assured of the highest degree of financial stability when making a claim under Your InterGlobal StudentCare Policy. This policy is subject to English Law.

Area of cover to be included under this policy (Please refer to Your Country of Study policy for accurate benefit Limits, wordings and rates): Area A: New Zealand and Australia; Area B: Europe & Middle East; Area C: Worldwide (excluding USA (including Hawaii )); Area D: USA (including Hawaii).

The InterGlobal “StudentCare” plan is in two parts:

Part 1
A Certificate of Insurance signed by the person authorized by the Underwriters to do so. This Certificate of Insurance provides the details about Your particular insurance. The Insurance is valid when the premium has been paid.

Part 2
For ease of reference this policy booklet comprises of separate sections. The terms of your insurance policy are set out in this booklet. Some words and/or phrases used within this policy have been given special meanings. Please refer to the section " Definitions".

*Click here to view the complete, official, and most up-to-date "StudentCare Plus" Policy wording (terms and conditions).

InterGlobal provides two levels of cover depending on the amount of protection You require. These are the InterGlobal “StudentCare” and “StudentCare Plus”. (All CSA program participants are automatically provided with "StudentCare Plus" unless they specifically request the "StudentCare" plan, or prefer to use their own insurance provider). The benefits payable and the limits that apply are detailed in each section of the Insurance that is operative.

The InterGlobal “StudentCare Plus” policy provides:

1. Medical and Dental, Hospital and Ancillary Benefits
   
2. Emergency Assistance, Medical Evacuation, Repatriation, Funeral Benefits and Family Assistance
   
3. Advance Payments, Loss of Tuition Fees
   
4. Personal Belongings
   
5. Accidental Death or Permanent Disability
   
6. Personal Liability
   
7. Travel Insurance

If You have selected the InterGlobal “StudentCare” policy, co-insurance and benefit limitations have been applied to Sections 1 and 7. In addition, Section 7 does not include any non-medical travel benefits. Details

*Click here to view the complete "StudentCare Plus" Schedule of Benefits.

1. Your insurance is only valid when You pay the premium. (The premium is included in every CSA program fee and will be automatically paid by CSA upon receipt of the total program cost based upon housing and other options.)

2. You are insured for the period indicated on Your Certificate of Insurance.

3. For Section 3 - Advance Payments and Loss of Tuition Fees, the cover commences on the date Your premium is paid. For section 7 –Your journey to Your intended Country of Study to commence study.

4. Cover for all other sections commence when You arrive in Your Country of Study.

5. All covers cease when You permanently depart from Your Country of Study with the exception of the 30 days Travel Insurance Benefits applicable to Your chosen plan, which expires on your arrival at your home country, or the expiry date shown on Your Certificate of Insurance, whichever first occurs.

This section tells you about rights and responsibilities which you and We have under this Insurance.

1. Protection of Your Personal Information
All personal information provided to Us will not be released or made available to any other person unless We are required by law to do so or where You have agreed to its release. When You applied for this Insurance, or authorized an organization to apply on Your behalf, You agreed, in respect of any claim, to allow Us to provide details of Your cover or to obtain details from any healthcare provider in order to process Your claim.

2. Limits of Liability
(i) The limit of Our liability for any claim under this Insurance is the amount stated in each section of the policy wording and schedule of benefits.
(ii) Where there are dependants, the limit for any one family member shall be the limit provided under the Plan for that section.

3. Premium Refunds
You can apply in writing if You have not claimed or intend to make a claim for a pro-rata refund of Your unexpired premium, less a £15/€/$25 administration fee if:
(i) You paid Your premium and did not come to arrive in Your Country of Study.
(ii) Your Student Visa was not extended.
(iii) You returned to Your Country of Origin before the end of Your approved stay for reasons outside of Your control.
(iv) You have been granted permanent residence status and are no longer living in Your Country of Study as an Expatriate.

4. You must help Us recover any money We have paid
If We have a claim against someone in relation to the money We have paid under this Insurance. We have the right to commence or take legal proceedings in Your name, for the defense or settlement of any claim, or to prosecute or to sue any other party to recover any monies payable by them at law. You must do everything You can to help Us to do that in any legal proceedings.

5. You must not admit fault or liability
In relation to any claim under this Insurance You must not admit that You are at fault, You must not offer or promise to pay any money or become involved in litigation without Our approval.

6. Claims are payable in Sterling£/Euro€/US$ to You
We will pay all claims in Sterling £/Euro€/US$. We will pay You unless You tell Us to pay someone else or direct settlement has been arranged with the medical provider.

7. If You can claim from anyone else, We will only make up the difference
If You can make a claim against someone in relation to a loss or expense covered under Your policy and You don’t get paid the full amount of Your claim, We will make up the difference. You must claim from them first.

8. Change of Personal Details
You must notify Us immediately as soon as your personal details change. Most importantly if You change the school which was first noted on your insurance application form. If You do not inform Us of the change in school details InterGlobal has the right to decline any claim .

9. Non Disclosure
If you fail to comply with Your duty of disclosure, We may be entitled to reduce Our liability under the policy in respect of a claim, or may cancel the policy. If Your non-disclosure is fraudulent We may also have the option to void the policy from commencement date.

10. 24 Hour Emergency Assistance
We have appointed First Assistance to administer all emergency assistance services and benefits of this Insurance. You may contact First Assistance in an emergency 24 hours a day, 7 days a week. Please note that no admission of liability is made or intended by the provision of assistance to You by First Assistance in circumstances where no cover is available under this Insurance. First Assistance Numbers - Toll Free numbers from:

New Zealand 0800 188 100
Japan 00531 642 084
Thailand + 800 647 355
Hong Kong + 800 900 190
Malaysia + 800 802 157
Indonesia + 180 364 17375
China + 800 640 0007
Singapore + 800 641 1123
Australia + 800 147 528

(+) = International dialing code

Call collect from elsewhere in the world:
+64 9 356 1648
Fax +64 9 525 1278