| Core Student Plan | Enhanced Student Plan | |
|---|---|---|
| Plan Eligibility | International student at an educational institution with a current passport and/or student visa, under age 65 | International student at an educational institution with a current passport and/or student visa, under age 65 |
| Excess / Deductible | £0 (these coverages have no deductible) | £0 (these coverages have no deductible) |
| Overall Medical Limit | £2,000,000 | £5,000,000 |
| Prescription Drugs | 100% Covered (up to policy limit) | 100% Covered (up to policy limit) |
| Hospital Accommodation | Included (Semi-private) | Included (Semi-private) |
| Psychological / Mental Health – Outpatient | £1,000 (Lifetime limit) | £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 | £8,000 – 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 | Medically Necessary |
| Oncology | £25,000 | £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 | 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) | Travel expenses for up to two family members to the patient's bedside (round-trip economy airfare) |
| Physical Exam | £150 (Annual) | £150 (Annual) |
| Vision Care | £200 as a result of an accident | £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 | Must spend 51% of time in country of education; up to 30 days in the USA |
| NHS Cash Benefit | £200 per night / £1,000 per year | £250 per night / £2,500 per year |
Plan Eligibility
Core
International student, current passport/visa, under 65Enhanced
International student, current passport/visa, under 65Excess / Deductible
Core
£0Enhanced
£0Overall Medical Limit
Core
£2,000,000Enhanced
£5,000,000Prescription Drugs
Core
100% CoveredEnhanced
100% CoveredHospital Accommodation
Core
Included (Semi-private)Enhanced
Included (Semi-private)Mental Health – Outpatient
Core
£1,000 (Lifetime)Enhanced
£1,000 (Lifetime)Mental Health – Inpatient
Core
£10,000Enhanced
£12,000Emergency Dental
Core
£500Enhanced
£750Dental Visit
Core
6 months required – £75 (12-month policy)Enhanced
6 months required – £150 (12-month policy)Maternity Care
Core
£8,000 (Prenatal, Delivery, Complications)Enhanced
£10,000 (Prenatal, Delivery, Complications)Physiotherapy
Core
Medically NecessaryEnhanced
Medically NecessaryOncology
Core
£25,000Enhanced
£25,000Unused Course Fees
Core
£8,000Enhanced
£10,000Trip Interruption / Curtailment
Core
£7,500Enhanced
£10,000Missed Departure
Core
Up to £7,500Enhanced
Up to £10,000Delayed Departure
Core
£100 (£50/12 hrs)Enhanced
£200 (£50/12 hrs)Baggage & Personal Effects
Core
£1,500 totalEnhanced
£2,500 totalSingle Article Limit
Core
£250Enhanced
£300Valuables / Electronics
Core
£250Enhanced
£300Baggage Delay
Core
£150 after 8 hrsEnhanced
£250 after 8 hrsPersonal Money (Cash)
Core
£150Enhanced
£250Passport / Documents
Core
—Enhanced
£500Personal Liability
Core
£1,500,000 (£500 property)Enhanced
£2,500,000 (£1,000 property)Accidental Death & Dismemberment (AD&D)
Core
£25,000Enhanced
£50,000Air / Ground Transport
Core
Included (Ambulance & Repatriation)Enhanced
Included (Ambulance & Repatriation)Repatriation of Remains
Core
£5,000Enhanced
£10,000Transport to Bedside
Core
2 family members, economy returnEnhanced
2 family members, economy returnPhysical Exam
Core
£150 (Annual)Enhanced
£150 (Annual)Vision Care
Core
£200 (accident only)Enhanced
£200 (accident only)Out of Country Travel
Core
51% in country of education; 30 days USA maxEnhanced
51% in country of education; 30 days USA maxNHS Cash Benefit
Core
£200/night, £1,000/yearEnhanced
£250/night, £2,500/year
