INSURANCE
We believe that safety and enjoyment are equally important when studying with CSVPA. By choosing to study with us you are making a major investment in your education and your future. This will be a fulfilling and exciting experience for you and it is vital that you are safe and secure during your studies.
It’s essential for International Students to take out adequate insurance whilst studying. CSVPA works with Howden to offer students suitable insurance during their time at the college. Howden is an award-winning insurance provider and one of the largest insurance groups in the world.
The insurance Howden provide is specifically designed to meet your needs whilst studying with us – from the time you set off to the moment you arrive back home.
| HOW MUCH DOES IT COST? | |
| Duration of Stay | Fee |
| Insurance (6 months) | £220 |
| Insurance (12 months) | £440 |
| Insurance (24 months) | £880 |
We believe that safety and enjoyment are equally important when studying with CSVPA. By choosing to study with us you are making a major investment in your education and your future. This will be a fulfilling and exciting experience for you and it is vital that you are safe and secure during your studies.
It’s essential for International Students to take out adequate insurance whilst studying. ‘Student Cover’ has been created in partnership with Endsleigh, the UK’s largest student insurance provider. With both Standard and Standard Travel plus private Medical options, ‘Student Cover’ is specifically designed to meet your needs whilst studying with us – from the time you set off to the moment you arrive back home
KEY BENEFITS
The insurance provided by Howden meets the demands and needs of International students travelling away from home.
The Key Benefits Guide gives a summary of the important information relating to what the insurance does and does not cover, where you will be covered, any restrictions and what your obligations are.
Gadget and Possessions Cover:
- Cover for gadgets and possessions for the duration of your course and whilst travelling to and from the UK.
Course Fees Cover:
- If you have to cancel your course, cut it short or repeat it due to accident or sickness; we will reimburse your prepaid course fees.
Cancellation and Curtailment Cover:
- If you have to cancel or curtail your study due to accident, illness or sickness, you can claim back the costs of prepaid travel and accommodation expenses.
Medical Cover:
- Medical cover including emergency medical and dental treatment costs.
- Repatriation to your home country if you are seriously ill or injured.
- Bringing a relative to the student’s location to visit following a medical emergency.
PRINCIPLE EXCLUSIONS
General:
- The first £50 of each and every claim per incident claimed for by each beneficiary, except for claims under personal liability, personal accident and legal expenses, where no excess applies.
Cancellation or curtailment charges:
- Any circumstances known prior to booking the trip that could reasonably be expected to give rise to a claim.
Emergency medical and other expenses:
- Treatment or surgery which in the opinion of the medical practitioner in attendance can wait until a beneficiary’s return home.
- Medication, which prior to departure is known to be required.
SUMMARY OF COVER
It is important that you understand the key components of your Student Cover policy while you’re studying in the UK. In the event that you need to make a claim, it is important to understand exactly what you’re covered for and to what extent you are covered under your policy.
It is important that you understand the key components of your Student Cover policy while you’re studying in the UK. In the event that you need to make a claim, it is important to understand exactly what you’re covered for and to what extent you are covered under your policy. The table below displays a summary of the maximum amounts which are payable under each section:
| COVER TYPE | Standard Cover |
|---|---|
| COVER TYPE Cancellation or Curtailment Charges | Standard Cover £5,000 |
| COVER TYPE EMERGENCY MEDICAL & OTHER EXPENSES | Standard Cover |
| COVER TYPE Emergency Medical Expenses | Standard Cover £2,000,000 |
| COVER TYPE Emergency Dental Treatment | Standard Cover £500 |
| COVER TYPE Counselling if student suffers PTSD | Standard Cover £300 |
| COVER TYPE Personal Accident | Standard Cover £30,000 |
| COVER TYPE Private Medical Emergency Cover | Standard Cover £25,000 |
| COVER TYPE BAGGAGE | Standard Cover |
| COVER TYPE Baggage (Including Valuables) | Standard Cover £4,000 |
| COVER TYPE Single Article Limit | Standard Cover £2,000 |
| COVER TYPE Valuables Total Limit | Standard Cover £2,000 |
| COVER TYPE PERSONAL MONEY, PASSPORT & DOCUMENTS | Standard Cover |
| COVER TYPE Currency Notes and Coins | Standard Cover £100 |
| COVER TYPE Other Money and Documents | Standard Cover £100 |
| COVER TYPE Passport | Standard Cover £500 |
| COVER TYPE Personal Liability | Standard Cover £1,000,000 |
| COVER TYPE Missed Departure | Standard Cover £250 |
| COVER TYPE Overseas Legal Expenses & Assistance | Standard Cover £10,000 |
| COVER TYPE Course Fees | Standard Cover £16,000 |
| COVER TYPE Excess | Standard Cover £50 (£100 for some claims) |
Please Note: All premiums shown are inclusive of Insurance Premium Tax at the current rate. The beneficiary MUST be aged under 66 years old at the time of departure. Cover under Personal Accident (other than death benefit) are not available to anyone 65 or over.
FAQ
Your safety is our primary concern. Furthermore, having insurance will offer peace-of-mind to both students and families before starting out on their studies.
For full details of what is covered by the insurance policy, please refer to the Key Benefits Guide and the Policy Overview.
Yes, as with all insurance policies there are a number of general exclusions listed in the Policy Overview under ‘general exclusions’ which should be read carefully in addition to the ‘What is not covered’ sections of the Policy Overview and Key Benefits Guide. Please take note of any excess due when considering making a claim. It is the responsibility of the beneficiary to read and ensure that they understand the group policy.
How to make a claim or request assistance in the event of medical emergency
When making a claim, notify Howden via their website: www.howdengroup.com/uk-en/endsleigh-claims.
Alternatively notify them via:
Email: claims@cegagroup.com
Phone: +44 1202 038 946
The notification must be made within 31 days or as soon as possible following any bodily injury, illness, disease, incident, event or the
discovery of any loss, theft or damage which may give rise to a claim.
You must report to the local Police in the country where the incident occurred within 24 hours of discovery, or as soon as possible after that and obtain (at your own expense) a written report of the loss, theft or attempted theft of all Baggage. If Baggage is lost, stolen or damaged while 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
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this group policy.
You must provide (at your own expense) an original receipt or proof of ownership for items lost, stolen or damaged to help you to substantiate your claim.
We realise that when a claim is made it is a very stressful time. A dedicated team of claim handlers will make the claim as stress free as possible and help to answer any questions there may be.
All claims must be made either via Howden’s website, by telephoning the phone number or by sending an email to the details included in the section entitled “.
Staff can help you if required.
Cover for cancellation starts 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 the earlier.
Refer to the Policy Overview for a full list of the activities you will be covered for under this policy while you are abroad.
Refer to the page on ‘Important conditions relating to health’ in the Policy Overview document for details on pre-existing medical conditions.
Your safety is our primary concern. Furthermore, having insurance will offer peace-of-mind to both students and families before starting out on their studies.
For full details of what is covered by the insurance policy, please refer to the policy document, which will be shared with students by our Admissions Team after they register. The insurance will cover many unforeseen events and conditions that would affect the beneficiaries health, finances or long-term wellbeing.
Yes, as with all insurance policies there are a number of general exclusions listed in the group policy under ‘general exclusions’ which should be read carefully in addition to the ‘What is not covered’ sections of the group policy. Please also note that under most sections of the group policy the beneficiary will be responsible for paying the first £50 of each and every claim. It is the responsibility of the beneficiary to read and ensure that they understand the group policy.
How to make a claim or request assistance in the event of medical emergency
All medical claims are handled by our emergency assistance service who operate a 24/7 operation for medical emergencies. Contact the emergency assistance service on telephone number: +44 (0)1243 621058
How to make a non medical claim
All non medical claims are handled by Endsleigh under a delegated authority – telephone number – in the UK: 0800 923 4046 from abroad +44(0) 1242 217301
Alternatively:
Email: travel.claims@endsleigh.co.uk or Web: www.endsleigh.co.uk/claim-centre/ The travel claim form – www.endsleigh.co.uk/personal/
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.
The beneficiary must report to the local Police in the country where the incident occurred within 24 hours of discovery, or as soon as possible after that and obtain (at their own expense) a written report of the loss, theft or attempted theft of all Baggage. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority, hotel or the beneficiary’s accommodation provider the beneficiary must report to them, in writing, details of the loss, theft or damage and obtain (at their own expense) written confirmation of the loss. If Baggage is lost, stolen or damaged whilst in the care of an airline the beneficiary must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this group policy. The beneficiary must provide (at their own expense) an original receipt or proof of ownership for items lost, stolen or damaged to help the beneficiary to substantiate their claim.
The beneficiary must provide (at their own expense) an original receipt or proof of ownership for items lost, stolen or damaged to help the beneficiary to substantiate their claim.
We realise that when a claim is made it is a very stressful time. A dedicated team of travel claim handlers will make the claim as stress free as possible and help to answer any questions there may be.
All claims must be made by telephoning either of the numbers above in section entitled “how to make a claim” or online, or via email, depending upon the nature of the claim, staff can help make this call if required.
There is no refund due even if no claims are made during the period of insurance.
Cancellation cover is operative from the time you are accepted for cover and shall terminate when you leave your home to commence your trip. For all other sections of the group policy, the insurance commences when you leave your home to commence the trip and terminates at the time of your return to your home in your home country on completion of the trip.
Over 100 sports and activities are automatically included for no additional charge and most are covered in full however often they are undertaken during the trip. Please see the group policy document for further information.
You may withdraw from participation in the group policy at any time by giving notice of that intention to the group policyholder. Any return of Standard Travel plus private Medical insurance will be calculated from the date such participation ceases, provided you have not travelled or been the subject of a claim during any period for which cover was provided, in which case no refund will be due. We reserve the right to charge a reasonable administration fee. (Please note: Cancellation cover is operative from the time you are accepted for cover. Therefore, if you withdraw from participation in the group policy you will be charged for the period between being accepted for cover and your travel departure date).
An adjustment is when the beneficiary requires details of their cover to be changed. This could include changing the departure date, duration or increasing the cover levels.
ase refer to Eligibility Information for details on preexisting medical conditions.
IMPORTANT NOTE
Listed above are some of the most frequently asked questions about the student insurance policy. This only covers some sections of your students cover and it is the responsibility of the student to read the policy carefully to ensure that they are entirely satisfied with the cover.
