Travel disruption Maximum sums payable -per year


Student Protector

Annual Maximum

£250,000

Travel delay

£50 for each complete 12-hour period of delay,to a limit of £200

Missed departure

100% of cost incurred,to a limit of £500

Student fees Maximum sums payable -per person in a lifetime


Student Protector

Early and permanent return to your Home Country

£3,000

Compassionate travel Maximum sums payable -per person


Student Protector

The death or Critical Condition of a Close Relative resident in the Home Country

£250

Money and Travel Documents Maximum sums payable -per person


Student Protector

The accidental loss or theft of: Cash Bank notes (carried by You) Postal or money orders;  Travel tickets; petrol coupons;  Food vouchers and driving license; all held for private purposes. Passport

£250

Consular and embassy fees Maximum sums payable -per person


Student Protector

Travel costs incurred when attending your nearest and/or most appropriate consulate, embassy, or high commission for assistance. 

£250

In-Patient & Day-Patient Medical Expenses All claims – annual aggregate maximum of £250,000


Student Protector

Accommodation, operating theatre and recovery room costs

100% of cost

Diagnostic procedures

100% of cost

Doctor, specialist, surgeon, nursing and anaesthetist fees

100% of cost

Surgical appliances

100% of cost

In-Patient Prescription Drugs and Medicines

100% of cost

Radiotherapy, chemotherapy and oncology

100% of costs

Hospital Cash Benefit

£75 per day up to £750

Chronic Conditions

100% of diagnostic costs only

Emergency medical transfer, non-emergency medical transfer, or return to the United Kingdom

100%

Out-Patient Medical Expenses Individual benefit limits apply


Student Protector

GP consultations

100% of costs up to £1,000

Physiotherapy

100% of costs up to £1,000

X-rays, scans and diagnostic tests

100% of costs up to £1,000

Outpatient specialist consultant and clinic fees

100% of costs up to £1,000

Chiropractic / osteopathy / acupuncture

100% up to £250

Mental health (requires a GP referral)

75% of costs up to £2,500 (Lifetime Limit)

Theft of personal devices or valuables 50% of costs up to a maximum of £1000


Student Protector

for theft of:
Mobile phone
Laptop / computer
Tablets & e-readers
Earphones & headphones
Chargers and power banks
Watches, including smart watches
Personal music storage devices

50% of costs up to £1000; single article limit of £500

Emergency Dental Treatment Up to £500


Student Protector

For the relief of pain due to an injury to Your teeth; this includes the relief of sudden and Acute Condition

Up to a maximum of £500

Repatriation of mortal remains Up to £5,000


Student Protector

The repatriation of your mortal remains to your home country

100% of costs up to £5,000

Additional travel and accommodation Up to £3,000


Student Protector

Expenses of one relative or friend, who is required on medical advice to travel to, remain with or escort you whilst severely incapacitated

100% of costs up to a maximum of £3,000