Insurance

Since the academic year 2010-2011, the MER Consortium has contracted the MARSH Insurance Company. Current MER students benefits from the SIP program (for non Erasmus Mundus Students) which offers the same conditions as the EMIS programme (programme for Erasmus Mundus students). UB is responsible for contract renewal every year and costs are covered by the Consortium. This insurance is for all the MER students.

EMIS MARSH-ACE EUROPE

Summary of cover:

  • Section 1 : Accidental death 5.000,00 €
  • Section 2 : Permanent invalidity due to accident 75.000,00 €. Hospital stay in a semi-private room, or ward (accident/ sickness) during max. 365 days real costs.
  • Section 3 : Cost of treatment following an accident/ sickness real costs. Costs of urgent dental care incurred as a consequence of an accident during max. 365 days real costs
  • Section 4 : Costs of urgent dental care without an accident 250,00 € (per claim per insured). Assistance to persons: repatriation or medical transport real costs; repatriation or transportation of the mortal remains 7.500,00 €; early return in case of the death of a relative real costs; the dispatching of medicines abroad real costs; search and rescue costs real costs; telecommunication costs 125,00 €; travel assistance (loss/theft travel documents, interpreter, travel ticket) real costs; legal assistance 5.000,00 €
  • Section 5 :transportation and accommodation costs for family members 7.500,00 €
  • Section 6 : Travel documents 150,00 €
  • Section 7 : Civil liability in private life; cover following to the laws in force in the host country. If the laws in force in the host country do not determine the amounts of insurance cover, in this case, the insured amounts are limited to: Bodily injury : 1.500.000,00 €; Property damage : 150.000,00 €

 

EUROPEAN HEALTH INSURANCE CARD (EHIC)

The European Health Insurance Card (EHIC) replaced the old E111 in 2006. Your EHIC lets you get state healthcare at a reduced cost or sometimes for free. It will cover you for treatment that is needed to allow you to continue your stay until your planned return. It also covers you for treatment of pre-existing medical conditions and for routine maternity care, as long as you’re not going abroad to give birth.

The EHIC is not an alternative to travel insurance. It will not cover any private medical healthcare or costs such as mountain rescue in ski resorts, being flown back to the EU member states, or lost or stolen property. Therefore, it is important to have both an EHIC and a valid private travel insurance policy. Some insurers now insist you hold an EHIC and many will waive the excess if you have one. The EHIC is entirely free of charge. However, other unofficial websites may charge you if you apply through them.

If you are not of EEA or Swiss nationality, you’ll have to provide evidence that you are ordinarily resident in a EU member state. Proof of entitlement could be your visa, a letter from the Home Office, a letter from your employer or an approved A1, S1, E101, E106 or E109 form.

Each country’s healthcare system is slightly different. Therefore, your EHIC might not cover everything that would be free on the NHS. However, you should be able to get the same treatment as a resident of the country you’re visiting. In some countries, you may have to pay a patient contribution, also known as a co-payment.

The EHIC is valid for up to five years. Check that your EHIC is still valid before you travel. Renewing your card is free. You can renew an EHIC up to six months before the expiry date. However, any time left on the card will not be added to your new card. Renew your EHIC and go abroad knowing you are more prepared.