Making sure you are covered for personal mishaps whilst abroad is a key part of your preparation. Please read below for details what you're covered for by UCL and what else you might need to arrange.
- UCL Travel Insurance
Having fully comprehensive travel insurance - to cover all eventualities - is a prerequisite for studying abroad. All undergraduate students who undertake a period of study abroad as part of their UCL degree programme will be covered by UCL's own insurers and the cost of the insurance premium will be met by UCL.
During the summer before you begin your year or term abroad, you will receive a personalised copy of your travel insurance policy document. The policy document contains information about what you are covered for and how to access help in case of an emergency.
Please use read the UCL Insurance FAQ's to find out what you're covered for and how to make a claim if you need to.
Emergency Insurance assistance for UCL Students Abroad
If you are a UCL student currently abroad and require emergency medical or travel assistance, please contact the insurers on +44 (0) 208 608 4100, which is open 24/7, 365 days a year.
- Medical Cover
Healthcare provision is very different from country to country. Doing your research to make sure that you have access to a doctor if you need one is vital. Please see below for details of how to access healthcare in different locations.
EU - European Health Insurance Card
Health Care For EU Nationals and other UK Residents In EU Countries
If you are studying abroad in a country in the European Economic Area (EEA) or Switzerland, you will also need to apply for a European Health Insurance Card.
The European Health Insurance Card is a document which provides the holder - EU Nationals and UK residents either studying or working (unpaid) abroad in another EU country - with an extended range of health care. The card does not, however, offer the same range of cover provided by a fully comprehensive insurance policy.
You may be required to show your European Health Insurance Card to your host institution (or employer if working in an unpaid capacity) on commencing your studies (or work placement).
Please the NHS website for more information about applying for a European Health Insurance Card (NB. as a student undertaking study abroad you have to provide additional information regarding your placement and therefore online applications are not acceptable).
It is likely that EU nationals undertaking a salaried work placement in an EU country will be expected to apply for health care cover in the country concerned. Any queries on this should be directed to your employer or to the health authority in the relevant country.
Reciprocal Healthcare Agreements
The UK has reciprocal healthcare agreements with a large number of non-EEA countries and territories. If there's an agreement in place, you’ll be treated as if you were a resident of the country in question. Generally, these agreements cover UK nationals living in the UK. If you're not a UK national, you may still be covered for some reduced cost or free treatment if you normally live in the UK. Find out which countries are included on the NHS website.
- Work Placements
If you are undertaking a work placement during your year abroad, please note that you may be required to purchase additional insurance to cover you during your time in the workplace. Please check with your prospective employer for further details.
- Reimbursement of Mandatory Health Insurance
In some cases, students may be asked by their host institution to purchase an additional health coverage to their UCL Travel Insurance, in order to comply with the regulations of that specific country. If eligible, students may claim the cost for the health insurance they have purchased.
PLEASE NOTE: Claims for reimbursement must be submitted to the Study Abroad Team within 6 months of the payment date. Claims for payments made over 6 months ago will not be considered.
PLEASE NOTE: We are currently considering claims from students abroad in 2018/19. Students abroad in 2016/17 can no longer make a claim for reimbursement.
Once you have made a payment for mandatory health insurance purposes (this may be one payment for annual coverage at the beginning of your placement or payment across a number of instalments), you will need to download and send the Health Insurance Pack to us at firstname.lastname@example.org
Upon receipt of this, we will confirm by email that your documents are in order.
Your reimbursement will be processed once the pack you submitted meets the requirements. We aim to respond within five working days, outside of peak time to confirm if your Health Insurance Reimbursement Pack has been submitted correctly. If it is all in order, you can expect to receive your reimbursement within 4 weeks from that date. If you made the payment in an overseas currency, this amount will be converted by us and you will be paid in Pound Sterling
Steps for completing the Health Insurance Reimbursement Pack
Step 1 Download the Health Insurance Reimbursement Pack Step 2 Paste a screen shot of the proof of health insurance payment onto page 6 of the Health Insurance Pack.
Step 3 Print the pages of the pack that are relevant to you.
Guidance: as outlined on page one of the Health Insurance Pack, if you would like to be reimbursed by cheque, print pages 1, 5, & 6.
If you would like to be reimbursed by UK bank account transfer, print pages 1, 3 & 6.
Step 4 Complete the pages you have printed in BLOCK CAPITALS.
N.B. When pasting the screen shot of proof of health insurance payment, it must contain your full name, and confirm that you have specifically paid for the health insurance. If the screen shot does not contain this information, the reimbursement will not be processed.
Step 5 Once you have fully completed the pages, you should then scan and email the pages in PDF format to email@example.com Step 6 The Study Abroad Team will confirm by email within three working days to confirm your health insurance pack is in order.
As mentioned above, it is imperative that the proof of payment contains the following:
- Your full name
- Confirmation of payment specifically for health insurance. An invoice alone will not suffice
- Must clearly show that it is an official document issued either by your host institution or if it is a bank statement, it must show confirmation that it is issued by your bank. If you include a bank statement, this must be in conjunction with an invoice which proves the amount of the health insurance coverage.
- Your claim must be for mandatory costs of health insurance; any extras such as dental plans, gold packages will not be reimbursed.
If the above requirements are not met, your reimbursement request will be denied.
Requirements for health insurance reimbursement are subject to change. Any changes will be communicated on this webpage.