The cost of our Flexicare short-term health insurance varies based on factors such as duration of cover,  your destination countries and coverage level. To find out how much your student cover will cost, simply get a quick quote online.

You can pay your premium by credit card. Payment is required once your application has been accepted and is paid in advance for the full duration of cover. 

You can receive treatment in any country within your area of cover, as shown in your Insurance Certificate. If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses. If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the  Pre-authorisation Form before travelling. You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.

First, check that your plan covers the treatment you are seeking. Your Table of Benefits will confirm what is covered. Some treatments require our pre-authorisation - These are mostly in-patient and high cost treatments. If the treatment you need requires our pre-approval, we’ll organize payment of your treatment directly with the hospital, where possible. If your treatment does not require our pre-authorisation, you can simply pay the bill and  claim the expenses from us.

Pre-existing conditions are not covered under this policy. These are any physical or mental illness, injury, condition, or disorder for which you or your dependants have ever experienced signs or symptoms, or for which medical advice, diagnostic findings, investigation, or treatment have ever been received or recommended, regardless of whether a formal diagnosis was made.

Some examples are hypertension, diabetes and musculoskeletal disorders. We also do not cover any dental, optical or maternity benefits. In addition, Flexicare plans do not cover expenses listed under “Exclusions” in the Benefit Guide.

Short-term Insurance covers most of your healthcare needs – day to day and emergencies in case you need medical attention when you are abroad. This is the best option for individuals and families who are temporarily working, studying or living abroad for less than a year.  Travel insurance is the best suited for holidaymakers or occasional business travellers and would only cover medical emergencies. Watch this  video and discover the difference between International Health Insurance, Short-term and travel insurance.

Yes, Flexicare is suitable for those studying abroad on a short‑term basis. However, visa and university insurance requirements vary by country and institution, so we recommend checking your specific requirements before applying.

Yes. Flexicare is suitable for internships, work placements and short‑term employment abroad lasting up to 12 months.

Flexicare plans are not automatically renewed. If you need more time abroad, you can extend your cover by re‑applying online for an additional 3, 6 or 9 months.

If you originally purchased 12 months of Flexicare cover, it isn’t possible to extend this plan further. In this case, we recommend applying for one of our Care Plans, which are designed for longer‑term international health cover.