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Coverage When It Counts

24/7 Assistance

Dedicated multi-lingual support available round-the-clock to guide you through medical emergencies and claims support.

Virtual GP Access

Fast, online consultations with registered doctors without long waiting times or unnecessary travel.

Travel Protection

Comprehensive protection covering emergency trips, luggage loss, and disruptions throughout your stay in the UK.

Works Alongside the NHS

Receive a cash benefit during eligible NHS hospital stays, helping cover unexpected expenses while you recover.

Core Student PlanEssential protection for international students studying in the UK.
RecommendedEnhanced Student PlanAdditional health, travel and wellbeing benefits for broader protection.
NHS Cash Benefit
£200 per night / £1,000 per year
£250 per night / £2,500 per year
Plan Eligibility
a)International student at an educational institution with a current passport and/or student visa, under age 65, residing in the United Kingdom, whose name is on file with the plan administrator during the coverage period; or
b)The international student's teacher or chaperone under age 65; or
c)Parent / legal guardian, spouse, and/or dependent child(ren) under age 65 of the above, residing together in the United Kingdom and sharing the same coverage period.
Excess / Deductible
£0 (these coverages have no deductible)
Overall Medical Limit
£2,000,000
£5,000,000
Prescription Drugs
100% Covered (up to policy limit)
Hospital Accommodation
Included (Semi-private)
Psychological / Mental Health – Outpatient
£1,000 (Lifetime limit)
Psychological / Mental Health – Inpatient
£10,000
£12,000
Emergency Dental
£500
£750
Dental Visit
6 months continuous coverage required – £75 (12-month policy purchase)
6 months continuous coverage required – £150 (12-month policy purchase)
Maternity Care
£6,000 – Pregnancy must occur after policy effective date; no grandfathering applies (Prenatal, Delivery, Complications)
£10,000 – Pregnancy must occur after policy effective date; no grandfathering applies (Prenatal, Delivery, Complications)
Physiotherapy
Medically Necessary
Oncology
£25,000
Unused Course Fees
£8,000
£10,000
Trip Interruption / Curtailment
£7,500
£10,000
Missed Departure
Up to £7,500 (via Cancellation)
Up to £10,000 (via Cancellation)
Delayed Departure
£100 (£50 per 12 hours)
£200 (£50 per 12 hours)
Baggage & Personal Effects
£1,500 total
£2,500 total
Single Article Limit
£250
£300
Valuables / Electronics
£250
£300
Baggage Delay
£150 – after 8 hours (Secondary payer)
£250 – after 8 hours (Secondary payer)
Personal Money (Cash)
£150
£250
Passport / Documents
£500
Personal Liability
£1,500,000 (£500 property damage)
£2,500,000 (£1,000 property damage)
Accidental Death & Dismemberment (AD&D)
£25,000
£50,000
Air / Ground Transport
Included to the policy limit for Ambulance & Repatriation
Repatriation of Remains
£5,000
£10,000
Transport to Bedside
Travel expenses for up to two family members to the patient's bedside (round-trip economy airfare)
Physical Exam
£150 (Annual)
Vision Care
£200 as a result of an accident
Out of Country Travel
Must spend 51% of time in country of education; up to 30 days in the USA
★ Enhanced Plan — Recommended
NHS Cash Benefit
Core
£200/night, £1,000/year
Enhanced
£250/night, £2,500/year
Plan Eligibility
a) International student, current passport/visa, under 65, residing in the UK, on file with the plan administrator; or b) the student's teacher/chaperone under 65; or c) parent/guardian, spouse, and/or dependent child(ren) under 65, residing together and sharing coverage.
Excess / Deductible
£0
Overall Medical Limit
Core
£2,000,000
Enhanced
£5,000,000
Prescription Drugs
100% Covered
Hospital Accommodation
Included (Semi-private)
Mental Health – Outpatient
£1,000 (Lifetime)
Mental Health – Inpatient
Core
£10,000
Enhanced
£12,000
Emergency Dental
Core
£500
Enhanced
£750
Dental Visit
Core
6 months required – £75 (12-month policy)
Enhanced
6 months required – £150 (12-month policy)
Maternity Care
Core
£6,000 (Prenatal, Delivery, Complications)
Enhanced
£10,000 (Prenatal, Delivery, Complications)
Physiotherapy
Medically Necessary
Oncology
£25,000
Unused Course Fees
Core
£8,000
Enhanced
£10,000
Trip Interruption / Curtailment
Core
£7,500
Enhanced
£10,000
Missed Departure
Core
Up to £7,500
Enhanced
Up to £10,000
Delayed Departure
Core
£100 (£50/12 hrs)
Enhanced
£200 (£50/12 hrs)
Baggage & Personal Effects
Core
£1,500 total
Enhanced
£2,500 total
Single Article Limit
Core
£250
Enhanced
£300
Valuables / Electronics
Core
£250
Enhanced
£300
Baggage Delay
Core
£150 after 8 hrs
Enhanced
£250 after 8 hrs
Personal Money (Cash)
Core
£150
Enhanced
£250
Passport / Documents
£500
Personal Liability
Core
£1,500,000 (£500 property)
Enhanced
£2,500,000 (£1,000 property)
Accidental Death & Dismemberment (AD&D)
Core
£25,000
Enhanced
£50,000
Air / Ground Transport
Included (Ambulance & Repatriation)
Repatriation of Remains
Core
£5,000
Enhanced
£10,000
Transport to Bedside
2 family members, economy return
Physical Exam
£150 (Annual)
Vision Care
£200 (accident only)
Out of Country Travel
51% in country of education; 30 days USA max

This document is a summary only and does not include all of the benefits, limitations, exclusions or conditions of coverage. The policy wording is the only legally binding description of coverage. Please consult the policy wording for further details here. For more information, contact the StudyInsured™ Scheme at 020 4615 3441 or +44 20 4615 3441 (when calling from outside the UK), or email studyinsured@healix.com.

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