World Link Education provides the StudentCare insurance for all Total program participants. This policy provides cover for study abroad participants in the World Link program under the age of 64 studying outside of their home country. Please read the following information carefully, and make sure you understand it, and that it meets your needs.
For peace of mind, World Link Education's China Programs offer travel and medical insurance through InterGlobal Insurance complemented by ISOS Medical Membership.
World Link Education will purchase the "StudentCare" insurance for all Total Program participants, so you can avoid additional paperwork.
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.
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
*pi = public information
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 Danmark 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
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.
The InterGlobal “StudentCare” plan is in two parts:
A Certificate of Insurance signed by the person authorised by the Underwriters to do so. This Certificate of Insurance provides the details about your particular insurance. The Insurance is valid when the premium has been paid.
For ease of reference this policy booklet comprises 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. Please refer to the section "Definitions".
*To view the complete, official, and most up-to-date "StudentCare" Policy wording (terms and conditions), please click here
InterGlobal provides two levels of cover 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 operative.
The InterGlobal “StudentCare” policy provides:
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.
- Medical and Dental, Hospital and Ancillary Benefits
- Emergency Assistance, Medical Evacuation, Repatriation, Funeral Benefits and Family Assistance
- Advance Payments, Loss of Tuition Fees
- Personal Belongings
- Accidental Death or Permanent Disability
- Personal Liability
- Travel Insurance
To view the complete "StudentCare" Schedule of Benefits, please click here
To view the General Exclusions, please click here
1. Your insurance is only valid when you pay the premium. (The premium is included in every WLE Total Program fee and will be automatically paid by WLE 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, the cover commences on the date your premium is paid. For section 7 – your journey to your intended Country of Study to commence study.
4. Cover for all other sections commence when you arrive in your country of study.
5. All covers cease 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.
This section tells you about rights and responsibilities which you and InterGlobal have under this Insurance.
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 are required by law to do so or where you have agreed to its release. When you applied for this Insurance, or authorized an organization to apply on your behalf, you agreed, in respect of any claim, to allow Interglobal to provide details of your cover 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 wording 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/€/$25 administration fee if:
(i) You paid your premium and did not come to arrive in your country of study.
(ii) Your Student Visa was not extended.
(iii) You returned to your country of origin before the end of your approved stay for reasons outside of your control.
(iv) You have been granted permanent residence status and are no longer living in your country of study as an Expatriate.
4. You must help Us recover any money We have paid
If We have a claim against someone in relation to the money We have paid under this Insurance. We have the right to commence or take legal proceedings in Your name, for the defence or settlement of any claim, or to prosecute or to sue any other party to recover any monies payable by them at law. You must do everything You can to help Us to do that in any legal proceedings.
5. You must not admit fault or liability
In relation to any claim under this Insurance You must not admit that you are at fault, you must not offer or promise to pay any money or become involved in litigation without our approval.
6. Claims are payable in Sterling£/Euro€/US$ 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 in respect of 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. 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 cover is available under this Insurance. First Assistance Numbers - Toll Free numbers from:
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
In order to make a claim if something happens which is likely to lead to a claim you must:
(i) Immediately contact First Assistance or InterGlobal Ltd who will provide a claim form and information or directions in respect of settling 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) In respect of 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
Level 14, Oracle Tower
56 Wakefield Street
PO Box 8672
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.
InterGlobal Ltd always try and provide a high standard of service, however, if you do have a complaint or an enquiry to your insurance please address to:
The Managing Director
Level 14, Oracle Tower
56 Wakefield Street
PO Box 8672, Symonds Street
Auckland, New Zealand
Other World Link Locations:
Global World Link Partners: