StudentCare
RWC provides StudentCare insurance for all Total
program participants. This policy provides cover for study
abroad participants in the RWC program under the age of 64
studying outside of their home country. Please read the
following information carefully, make sure you understand it,
and verify that it meets your needs.
For peace of mind, RWC's programs offer travel
and medical insurance.
Key
Features
Convenient Payment
RWC will purchase "StudentCare" insurance for all
Total Program participants, so you can avoid additional
paperwork.
Medical Care
The "StudentCare" plan ensures you are covered for
inpatient, outpatient and day care treatment in your country
of study. If you suddenly fall ill, or find yourself in
hospital, you don't have to worry about paying for expensive
treatments and can focus on getting well again.
Medical Evacuation Cover
In extreme circumstances you may need to be
evacuated for treatment outside of China or removed for health
reasons. "StudentCare" Insurance will help if this situation
arises by taking care of the costly expenses involved, thus
reducing the need to worry about treatment expenses.
24 Hour Emergency Assistance
InterGlobal has appointed First Assistance to
administer all emergency assistance services and benefits of
this Insurance. You may contact First Assistance in an
emergency 24 hours a day, 7 days a week. The contact number
for China is (86) 800 640 0007.
Travel Insurance
As a study abroad student you have specialized
needs. With these needs in mind, the "StudentCare" plan
includes travel insurance, so you do not have to purchase two
separate policies.
Loss of Tuition Fees
Often it is not just the medical costs you have to
worry about when you fall ill. The "StudentCare" plan also
covers you for your tuition fees if, due to unforeseen
circumstances, you have to terminate your studies.
The InterGlobal StudentCare Policy is underwritten
by International Health Insurance Denmark a/s, a Standard
& Poor's Api-rated International Insurer.
The Standard & Poor's rating System is as
follows:
AAA or AAApi Extremely Strong
AA or AApi Very Strong
A or Api Strong
BBB or BBBpi
BB or BBpi Marginal
B or Bpi Weak
CCC or CCCpi Very Weak
CC or CCpi Extremely Weak
R Regulatory Action
Good NR Not Rated
*pi = public information
The ratings from AA to CCC may be modified by the
addition of Plus (+) or Minus (-) signs to show relative
standing within the major rating categories. Supported by
these outstanding underwriters independently rated by Standard
& Poors, You can be assured of the highest degree of
financial stability when making a claim under InterGlobal's
StudentCare Policy. This policy is subject to English Law.
InterGlobal Limited
Student Policy Wording The InterGlobal
"StudentCare" plan is in two parts:
Part 1
A Certificate of Insurance signed by the person
authorised by the Underwriters to do so. This Certificate of
Insurance provides the details applicable to your particular
insurance policy. The insurance policy is valid when the
premium has been paid.
Part 2
For ease
of reference this policy booklet consists of separate
sections. The terms of your insurance policy are set out in
this booklet. Some words and/or phrases used within this
policy have been given special meanings.
Type of
Coverage
InterGlobal provides two levels of coverage
depending on the amount of protection you require. These are
the InterGlobal "StudentCare" and "StudentCare Plus". (All
Total Program participants are automatically provided with
"StudentCare" unless they specifically request the
"StudentCare Plus" plan, and are required to pay the upgrade
"StudentCare Plus" fees). The benefits payable and the limits
that apply are detailed in each section of the Insurance that
is in effect.
The InterGlobal "StudentCare" policy provides:
1.Medical
and Dental, Hospital and Ancillary Benefits
2.Emergency
Assistance, Medical Evacuation, Repatriation, Funeral Benefits
and Family Assistance
3.Advance
Payments, Loss of Tuition Fees
4.Personal
Belongings
5.Accidental
Death or Permanent Disability
6.Personal
Liability
7.Travel
Insurance
If you have selected the InterGlobal "StudentCare"
policy, co-insurance and benefit limitations have been applied
to Sections 1 and 7. In addition, Section 7 does not include
any non-medical travel benefits.
Commencement and Period of
Coverage
1. Your insurance is only valid after you have
payed the premium. (The premium is included in every GCE Total
Program fee and will be automatically paid by GCE upon receipt
of the total program cost based upon housing and other
options.)
2. You are insured for the period indicated on your
Certificate of Insurance.
3. For Section 3 - Advance Payments and Loss of
Tuition Fees, coverage begins on the date your premium is
paid. For section 7 - your journey to your intended Country of
Study to commence study.
4. Coverage for all other sections begins when you
arrive in your country of study.
5. All coverage ceases when you permanently depart
from your country of study with the exception of the 30 days
Travel Insurance Benefits applicable to your chosen plan,
which expires on your arrival at your home country, or the
expiry date shown on Your Certificate of Insurance, whichever
first occurs.
Important
Matters
This section tells you about the rights and
responsibilities which you and InterGlobal have under this
Insurance policy.
1. Protection of Your Personal Information
All personal information provided to InterGlobal
will not be released or made available to any other person
unless InterGlobal is required by law to do so or where you
have agreed to the information's release. When you apply for
this Insurance, or authorize an organization to apply on your
behalf, you agree, in the case of any claim, to allow
Interglobal to provide details of your coverage or to obtain
details from any healthcare provider in order to process your
claim.
2. Limits of Liability
(i) The limit of Interglobal liability for any
claim under this Insurance is the amount stated in each
section of the policy description and schedule of
benefits.
(ii) Where there are dependants, the limit for
any one family member shall be the limit provided under the
Plan for that section.
3. Premium Refunds
You can apply in writing if you have not claimed or
intend to make a claim for a pro-rata refund of your unexpired
premium, less a £ 15/€/$25 administration fee if:
(i) You paid your premium and did not come to
arrive in your country of study.
(ii) Your Student Visa was not extended.
(iii) You returned to your country of origin
before the end of your approved stay for reasons outside of
your control.
(iv) You have been granted permanent residence
status and are no longer living in your country of study as
an Expatriate.
4. You must help Us recover any money We have
paid
If InterGlobal has a claim against someone
regarding the money Interglobal has paid under your policy,
InterGlobal reserves the right to commence or take legal
proceedings in your name, for the defence or settlement of any
claim, or to prosecute or to sue any other party to recover
any monies payable by them according to the law. You will be
required do everything possible to assist InterGlobal during
the course of any such set of legal proceedings.
5. You must not admit fault or liability
In relation to any claim under this Insurance You
must not admit that you are at fault, you must not offer or
promise to pay any money or become involved in litigation
without our approval.
6. Claims are payable in Sterling£/Euro€/US$ to
you
InterGlobal will pay all claims in Sterling
£/Euro€/US$. InterGlobal will pay you unless you tell
InterGlobal to pay someone else or direct settlement has been
arranged with the medical provider.
7. If you can claim from anyone else,
InterGlobal will only make up the difference
If you can make a claim against someone in relation
to a loss or expense covered under your policy and you don't
get paid the full amount of your claim, InterGlobal will make
up the difference. You must claim from them first.
8.
Change of Personal Details
You must notify InterGlobal immediately as soon as
your personal details change. Most importantly if you change
the school which was first noted on your insurance application
form. If you do not inform InterGlobal of the change in school
details, InterGlobal has the right to decline any claim.
9. Non Disclosure
If you fail to comply with your duty of disclosure,
InterGlobal may be entitled to reduce InterGlobal's liability
under the policy with respect to a claim, or may cancel the
policy. If your non-disclosure is fraudulent, InterGlobal may
also have the option to void the policy from commencement
date.
10. 24 Hour Emergency Assistance
InterGlobal has appointed First Assistance to
administer all emergency assistance services and benefits of
this insurance policy. You may contact First Assistance in an
emergency 24 hours a day, 7 days a week. Please note that no
admission of liability is made or intended by the provision of
assistance to you by First Assistance in circumstances where
no coverage is available under this Insurance. First
Assistance Numbers (toll free) are provided below:
New Zealand 0800 188 100
Japan 00531 642
084
Thailand + 800 647 355
Hong Kong + 800 900 190
Malaysia + 800 802 157
Indonesia + 180 364 17375
China + 800 640 0007
Singapore + 800 641 1123
Australia + 800 147 528
(+) = International
dialing code
Call collect from elsewhere in the world:
+64 9 356 1648
Fax +64 9 525 1278
Making a Claim
In the event you need to make a claim, you
must:
(i) Immediately contact First Assistance
or InterGlobal Ltd who will provide a claim form and
information or directions regarding the settlement of your
claim.
(ii) Provide all information and details that
InterGlobal may reasonably require. Original receipts are
required for medical and hospital claims as well as any
additional medical information that InterGlobal may require
for cancellation and additional expense claims.
(iii)
Regarding all personal liability claims, please request that
the claim against you be put in writing. You must not make
any offer promising payment without our
approval.
Telephone: +64 9 309 2119
Fax: +64 9 309 4119
E-Mail: enquiries@studentcare.biz
Website: http://www.studentcare.biz/
Write to:
InterGlobal Limited
Level 14,
Oracle Tower
56 Wakefield Street
PO Box 8672
Symonds Street
Auckland, New Zealand
Download Claim Form
If you would like to make a claim click here to download a printable PDF form.
Payment of Claims
(i) InterGlobal will
process your claim after receiving a completed claim form
and all original receipts. If InterGlobal requires
additional information, a written request will be sent to
you or your doctors or the medical provider.
(ii) All claims will be paid by cheque and sent
to your postal address or by electronic transfer to your
nominated bank account.
(iii) We are under no obligation to settle your
claim unless you provide the documentation InterGlobal
consider relevant.
Complaints
Procedure
InterGlobal Ltd will always
try to provide a high standard of service, however, if you do
have a complaint or an enquiry concerning your insurance
policy, please send the relevant complaint in writing to the
following address:
The
Managing Director
InterGlobal
Ltd
Level
14, Oracle Tower
56
Wakefield Street
PO
Box 8672, Symonds Street
Auckland,
New Zealand
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