Working with you to ensure access to quality health care
To assist its participants, acquire a solid health insurance plan, ESL Starter is providing an insurance program that offers quality coverage during your program. The plan is underwritten by Inter Hannover, one of the largest and most reputable health insurers in the world.
Through this plan, you will be able to access the services of physicians, hospitals, and other health care providers that will provide treatment in the rare occurrence that you need medical care while overseas.
Try to become familiar with the plan provisions and refer to it before obtaining health care. While the program provides excellent coverage, as with any insurance benefit program, there are limitations and exclusions with which you should become familiar.
The cost of the insurance is only £1.05 per day within Asia, £1.04 per day worldwide excluding USA, and £1.60 per day worldwide including USA. When you enter in your insurance start and end dates on the application form, you will see the total cost of the insurance quoted to you before you make your purchase.
|Benefit type||Limit (USD)|
|WORLDWIDE COVERAGE OUTSIDE YOUR HOME COUNTRY||MAXIMUM LIMIT $3,000,000|
|Overseas Medical Expenses and Hospitalization||100% of customary charges, semi-private room|
|Pain relieving dental treatment||100% of customary charges up to $3,000 for accidental injury and $500 for pain relief|
|Prescribed Medicines by a doctor or specialist||60 days of prescriptions|
|Acute onset of pre-existing condition||Up to maximum of $500 per lifetime|
|Medical evacuation, Ambulance Transportation, or repatriation home (must be pre-approved by us)||100% of the cost of the transport to nearest adequate hospital|
|Personal support and accompaniment (flights, accommodation, local transport, meals)||Up to $5,000 when you are hospitalized for more than 7 days, one round trip economy air fare and hotel expenses for close relative|
|Repatriation of remains following Accidental death||Up to $10,000 toward the cost of preparation and/or up to $10,000 toward burial costs in home country|
|Personal Accident – Accidental death, loss of sight, loss of limb(s), permanent total disablement||$20,000|
|Personal Liability - Physical injury and property damage||$100,000|
|Catastrophe Coverage||100% of customary costs up to $1,000|
|Non-medical evacuation (war, terrorism or natural disaster)||100% of cost of transport to nearest point of safety up to $100,000|
|Personal Security & Search and Rescue||100% of customary costs up to $10,000|
|Loss or damage to checked in baggage||Up to $1,000|
|Trip interruption, Resumption of Trip||Up to one economy air fare ticket|
|Travel delay||Up to $350 ($70 per day)|