International student  
health insurance

Take us with you on your adventure away from home


We're here to make sure you have the time of your life without having to worry about expensive medical treatments abroad. Our international health insurance plans are designed to cover your medical needs, ensuring you are covered when you need it most. Our Care plan is good health cover for students overseas, as it offers flexibility and peace of mind, leaving you free to make memories you'll never forget.
Treatment of COVID-19 is covered subject to terms and conditions.

Our cover is also subject to:

  • Policy definitions and exclusions
  • Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
  • Any policy endorsements, policy terms and conditions and any other legal requirements.
  • Costs being reasonable and customary in  accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.

Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.

Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.

Our Care plan offers excellent international student health insurance benefits and extra options to help you get the right solution for your health insurance needs. The Care Plan offers flexibility and freedom, covering expensive overseas medical care such as hospital accommodation, surgery and other in-patient treatments. It includes benefits like rehabilitation treatment, out-patient surgery and medical evacuation, just in case.
 

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With our international healthcare plans for students,  you can build your plan to suit  your needs and  budget
Step 1:
Choose your Core plan and pick a deductible

Our core plan options include a comprehensive selection of in-patient benefits and day-care such as hospital accommodation, surgery, medical evacuation and much more.

All our core plans include a selection of Global Health Services that aim to improve your quality of life.

Step 2:
Add any of the optional plans

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as out-patient, dental, maternity and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA or Africa only   

Global access to treatment so you can use your medical cover in any country included within the area of cover. It is a good idea to select an area where you normally travel to or live for more than 6 months of the year.

Terms and conditions and regulatory restrictions apply.

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Maximum Plan Benefit:
€1,851,850
Type of room
Semi-private room
In-patient / Day-care
Oncology
Medical evacuation
Nursing at home
€1,500
Rehabilitation treatment
€2,000
Out-patient Surgery
Expat Assistance Programme (EAP)
Travel Security Services
Olive Health & Wellness support program
Digital Health App
Up to €50
MyHealth Digital Services
Second Medical Opinion Service
Plan Deductibles
Deductible amount
 
Discount on your annual premium
 

No deductible  

0% premium discount

€450

5% premium discount

€750 

10% premium discount

€1,500

 20% premium discount

€3,000 

 35% premium discount

€6,000
 
50% premium discount

€10,000


 60% premium discount
Out-patient
Dental plan
Repatriation plan
telehealth hub

Getting your policy is much easier and faster when you choose our dummy Moratorium underwriting option
There are no medical questionnaires to complete. It’s hassle free.
 

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Everything you need to know before you go and when you get there.
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally. 


Our international health insurance for students covers 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 Treatment Guarantee 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.

This is the geographical territory where your cover is valid. Our overseas student health cover offers multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you. 

For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa.

*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.

We do not provide study abroad travel insurance or holiday insurance, but we have short-term international health insurance for students who need international health insurance for less than a year. Find out more about our short-term cover.

If you would like a quote for travel insurance – please contact our colleagues at  Allianz Global Assistance.

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

 

Full medical underwriting  is when we assess the insurance risk before cover starts.  This means that:

  • You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
  • Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
  • Claims process is shorter because we already know if pre-existing conditions are covered.
  • This option is available to individuals or groups with 3 to 9 policies.

 

Medical History Disregarded terms is when members’ health information is not assessed. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered.
  • Pre-existing conditions are usually covered.
  • Claims process is shorter because we already know that pre-existing conditions are covered.
  • This option is usually offered to groups with more than 10 policies. 

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Most of our international health insurance for students contracts are for one year – but we have a short-term plan to suit students who need international health insurance for less than a year.

For all products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen. For more information please contact our dedicated sales team on +353 1 514 8480.

Our international health insurance plans for students are designed to cover your health insurance  needs when you are studying overseas. 

Our international student healthcare plans are flexible, so you can add out-patient, repatriation or dental plans and build the cover that suits  your needs and budget. Discuss overseas student health cover and plans with our dedicated team. Call us on +353 1 514 8480.

International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards 2022.
Did you know that we have a support page for members with all you need to know to make the most of your cover.
* Certain services which may be included in your plan are provided by third party providers outside the Allianz group, such as the Expat Assistance Programme, Travel Security services, HealthSteps App, Second Medical Opinion and tele-medicine services. If included in your plan,  these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These Services may be subject to geographical restrictions.  The HealthSteps App does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The HealthSteps App and the wellness resources contained within Olive shouldn’t  be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life SA (Irish Branch) and AWP Health & Life Services Limited are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.