Student insurance UK

While not obligatory, we strongly recommend that all international students have the protection of appropriate accident and medical insurance for the duration of their time in the UK. The consequences of being uninsured can be extremely difficult and expensive.

Students may either take out our own StudyCare Insurance policy (“StudyCare”) or alternative cover with a third party. The StudyCare policy covers loss of personal possessions as well as providing health and medical insurance. Please let your admissions advisor know if you wish to purchase our insurance.

Insurance for international students

StudyCare has been designed specifically to offer international students comprehensive protection and support during their studies at the International Study Centre and, if required, after progressing to your university. 

Insurance cover is offered for terms of up to 12 months and 24 months (fixed), allowing you to choose a policy duration that fits your needs.

Policy documents for students who purchased insurance prior to March 1st 2023:

Policy documents for students who purchased insurance after March 1st 2023:

Your questions answered

We have listed a number of common questions below, but we would encourage you to consult the flyer, key facts and policy documents that are listed above should you have any further questions.

Participating in StudyCare

StudyCare is a Group Insurance Policy which you become a participant in exchange for paying a premium. Your safety is our primary concern and as a condition of choosing to study with Study Group you must have adequate insurance, whether that is through StudyCare or another policy. Furthermore, having insurance will offer peace of mind to you before starting out on your trip.

If you participate in StudyCare the insurance will begin when you leave your home country and ends at the time of your final return to your home country at the end of your studies.

Please contact local campus team to enquire.

StudyCare covers you during your time in the UK within the policy term and also any travel to and from your home country, under the cancellation and curtailment section of the policy.

Yes, StudyCare provides full cover for leisure travel in Europe for up to 21 days in total during the policy term.

Withdrawal from participation in the group policy can be made at any time by giving notice of that intention to us by sending an email to studycare@studygroup.com directly.

Any return of premium will be calculated from the date such participation ceases, provided the beneficiary has not travelled or been the subject of a claim during any period for which cover was provided, in which case no refund will be due. 

If your travel departure date changes you can still participate in StudyCare for the time you are in the UK provided you let us know of your new dates prior to travelling. Please let us know by recording your intention to travel via https://student-registration.studygroup.com we have sent you form login details before your course started. If you need assistance with accessing the form, please contact local campus team.

You may be able to participate in StudyCare after arriving to the UK however this will depend on your circumstances at the time. Please contact local campus team. We recommend participating in StudyCare before reaching the UK.

StudyCare Insurance was designed to provide cover during your stay at the International Study Centre. It will not cover you once you have progressed to your chosen undergraduate or postgraduate studies at the University.

There is no additional cost to StudyCare and is included in your course fees.

At the time of your enrolment, you will be offered the option to choose StudyCare Insurance. Alternatively you may wish to take out alternative cover with another provider.

The International Study Centre invoice will show that you have been charged for insurance. You will also receive a statement of insurance which will show your StudyCare policy number and the 24-hour emergency telephone number in the event that you need assistance whilst en route.

StudyCare Insurance includes cancellation and curtailment cover. Tuition and accommodation fees up to a certain level are covered if you have to cancel because of illness or accident. If you change your course, we will change the insurance period and premium to reflect the length of the course and travelling times, without penalty.

An adjustment is when the student requires details of their cover to be changed. This could include repeating a term/semester or repeating an entire course, terminating studies, or inability to progress to university.

In order to make adjustments to your policy, don't hesitate to get in touch with us by sending an email to studycare@studygroup.com soon as you know this might happen. We will process the change and inform you of the additional premium/refund with the new changes.

Cover available under StudyCare

StudyCare will cover many unforeseen events and conditions that would affect your health, finances or well-being, in the period between you paying your deposit and travelling to the UK, and for the duration of your stay in UK. For a summary of the cover provided by the group policy insurance, please refer to the Insurance Summary Document.

StudyCare covers any costs incurred as a result of a medical emergency including if those costs are in respect of treatment through the NHS. Please see the section “Making a claim” for more information.

Yes, as with all insurance policies there are a number of general exclusions listed in the group policy wording under ‘general exclusions’ which should be read carefully in addition to the ‘What is not covered’ sections of the group policy. You will also be responsible for paying the first part of each and every claim under each section for which an excess applies. It is your responsibility to read and ensure that you understand the group policy.

In the event of you being diagnosed with COVID-19 while in the UK, any associated medical expenses incurred are covered under StudyCare.

All claims in respect of all other sections of the policy such as Cancellation and Curtailment related to COVID-19 or other pandemics are excluded under StudyCare.

Making a Claim

Making a claim or request assistance in the event of medical emergency:

All medical claims are handled by our emergency assistance service (CEGA) who operate a 24/7 operation for medical emergencies. Contact the emergency assistance service on telephone number: +44 (0)1243 621058.

Making a non-medical claim:

All non-medical claims are handled by CEGA– telephone number +44(0) 1202 038 946.

Alternatively:

Email: claims@cegagroup.com or
Web: The claim centre is - www.endsleigh.co.uk/claim-centre/

The travel claim form - www.endsleigh.co.uk/personal/travel-insurance/forms/travel-claim-form/

When to make a claim:

Claims should be made as soon as possible after the date of the incident for which the beneficiary is claiming. Claims MUST be made within 31 days of the incident.

Whilst in the care of a carrier, transport company, authority, hotel or your accommodation provider

You must report to them, in writing, details of the loss, theft or damage and obtain (at your own expense) written confirmation of the loss. If baggage is lost, stolen or damaged whilst in the care of an airline you must:

  1. Obtain a Property Irregularity Report from the airline
  2. Give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
  3. Retain all travel tickets and tags for submission if a claim is to be made under this group policy.

In all other situations

You must report to the local Police in the country where the incident occurred within 24 hours of discovery wherever possible, and obtain (at your own expense) a written report of the loss, theft or attempted theft of all baggage.

In some cases you will have to cover the excess yourself. Full details are set out in the Group Policy.