Student insurance UK

Cover for cancellation under the cancellation and curtailment and course fees sections of the policy start as soon as you have paid for the policy. All other cover starts when you leave your home to begin your trip. The policy ceases at the end of the declared period of insurance or when you return home, whichever is earlier. It is therefore important you choose a duration that covers your full time with Study Group in the UK.

Please contact your 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 and course fees sections of the policy.

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

Pre-travel

You may cancel and request a refund if you have not yet travelled to your study destination or made a claim. To cancel your cover please contact our admissions team.

Post-travel

You will not be due a refund if you have already travelled to your study destination, claimed on your policy or an incident which may give rise to a claim has occurred.

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 your local campus team.

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

StudyCare is available for up to 12 months or a fixed 24 months which is the maximum term under Study Care, allowing you to choose the policy length that suits you. Both lengths cover travel to the UK, loss of personal possessions, medical emergency cover as well as including a range of other cover sections.. If you select 24 months, you will be covered for the duration of your pathway programme plus the first year of your degree.

Your financial statement will show which insurance cover you have selected and what you have been charged for insurance.

StudyCare includes cover to repay irrecoverable course fees and other expenses incurred in the event that you have to cancel or curtail your course due to illness or accident. If you change your course, we willchange 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.

To make adjustments to your policy, contact your dedicated Central Student Support team via email.

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 or StudyCare guide here.

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 here. 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.

All medical claims are handled by emergency assistance service CEGA, who operate a 24/7 operation for medical emergencies. Contact the emergency assistance service by telephone: 01243 621 058

Travel claims under this policy are handled by CEGA. Contact CEGA using the details below +44(0)1202 038 946, email claims@cegagroup.com or through the online form here.

Legal expenses claims are handled by Blake Morgan LLP, contact Blake Morgan. Please contact by telephone on +44(0) 2380 857 423 or email customer.queries@blakemorgan.co.uk.

For more information on making a claim please see our claims guide here.

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 above.