Next Step China provides all of its customers a comprehensive Medical and Travel insurance policy by InBroke a subsidiary of InterGlobal. The name of the policy is called StudentCare PLUS the most premium option available.  Please visit the following policy info for a more abridged version please go to the Coverage Benefits Table.

This policy provides cover for international students studying under the age of 64. The following information is as of July 1st 2009.

Please read this important document carefully, and make sure You understand it, and that it meets Your needs. We suggest You keep this policy in a safe place.

In accepting this insurance, the underwriters have relied on the information and statements that You or Your education provider has provided on the application form.

This policy is valid only when the premium has been paid, and a numbered Insurance Certificate has been issued.

Insurers Details

The Inbroke StudentCare Policy is underwritten by InterGlobal Insurance Company Limited, which has an A.M. Best financial strength rating of B++ (Good) and is authorised and regulated in the United Kingdom by the Financial Services Authority. Inbroke will be pleased to provide further information on request.

A. M. Best’s Financial Strength Rating Syste

Secure Range

Who is InBroke?

Inbroke was established in 1986 and is a provider of international health insurance cover, a plan administrator and a claims handler.

Inbroke believe in providing customers with a first-class level of service offering expert help and advice with the all-important personal touch. Inbroke not only has an extensive network of independent intermediaries but also years of providing technical expertise and market knowledge.

With Inbroke you will have complete peace of mind knowing that when accident or illness unexpectedly strikes we will be there to help.

Types of Cover

We provide two levels of cover depending on the amount of protection You require.

These are the Inbroke “StudentCare” and “StudentCare Plus”. You choose the level of cover required when filling in the application form and the policy type. Your Certificate of Insurance will show insured name/s, start and end dates of Your cover, the premium You have paid and any special terms which may apply to Your policy. The benefits payable and the limits that apply are detailed in each section of the Insurance that is operative. You should pay particular attention to the General Conditions and General Exclusions within the policy.

Commencement & Period of Cover

Cover commences for loss of deposits or cancellation on the date the premium is received by Inbroke or six months prior to the commencement date of Your insurance whichever is the later, provided the cover is authorised. Cover for all other sections commences when You depart Your Country of Origin, provided Your premium is paid in full and the date is the same as the commencement date on Your insurance certificate. Cover ceases when You depart Your Country of Study (with exception of the travel/transit insurance when applicable and temporary whilst at home cover) or the expiry date of Your policy which ever occurs first.

The issuing of a StudentCare Policy shall be at Our discretion. We may decline to offer cover regardless of whether cover has been previously offered.

Important Matters

Protection of Personal Information

All personal information that You provide to Us will not be released or made available to any other person unless We are required by law to do so or where You have agreed to its release.

When You applied for this Insurance You agreed, in respect of any claim, to allow Us to provide details of Your cover or to obtain details from any healthcare provider in order to process Your claim and to the release of Your insurance details to ensure Your compliance within Your intended Country of Study.

Limits of Liability

will gladly and promptly refund the premium you have paid in full. This policy is non­refundable after the 14th day.

Family means You and/or Your Spouse and Your financially dependant children (between the age of 5 and 64) and legal wards 21 years of age and under who remain in Your full custody and control during your time in Your Country of Study and are named on the certificate of insurance. The benefit shown in the schedule of benefits is twice the individual amount shown and is shared by the Family.

Renewal

This policy may be renewed, with Our consent and on receipt of the applicable renewal premium. Your policy is not automatically renewed. To avoid a gap in coverage which will lead to any previously claimed conditions to be considered as a pre-existing condition (not covered by the policy) please ensure you advise Us if renewal is required before Your policy completion (expiry) date.

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 prior written approval.

Claims are Payable in US$-Euro€-GB to You

We will pay all claims in US$/Euro€/GBf. We will pay You unless You tell Us to pay someone else or direct settlement has been arranged with the medical provider. Original Receipts, (including translations) must be provided to authenticate any claim at Your cost. If You can make a claim against someone else in relation to a loss or expense covered under Your policy and You don’t get paid the full amount of Your claim, We will make up the difference. You must claim from them first.

Cover for already claimed conditions only applies if Your policy cover has been continuous since original inception date.
All in-patient and day-care procedures or treatment require prior approval in writing by First Assistance.

Duty of Disclosure

Before You agree to a StudentCare contract You must disclose to Us every material fact that could be relevant to our decision to accept the risk of this insurance. You have the same duty of disclosure with the change of Your personal details from initial application eg change of school or before You re-new or re-apply at a later date for this contract.

We may be entitled to reduce Our liability under the policy in respect of a claim,

or cancel Your insurance policy upon giving You 14 days’ notice in writing if You fail to comply with the duty of disclosure, You made a misrepresentation when the contract was entered into, You fail to comply with the provision of the contract, including payment of premium received by Us, You make a fraudulent claim (whether with Us or with some other insurer). We may also have the option to void the policy from commencement date.

First Assistance

We have 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.