Insurance while studying
Important note to students
All students, both European and non-European, need to make sure
they are adequately insured against accident, injury and ill-health while
participating in an Erasmus Mundus Masters Course outside their home
country. Personal medical cover is required in most European countries,
even those which have a public health system. You may also want to
consider travel insurance, which protects you, your travel documents and
your belongings while you are away from home.
Erasmus Mundus Insurance Scheme
The Erasmus Mundus programme offers special cover to its scholarship
students at no extra cost. Their families can also benefit from special
premiums with the same insurers.
All non-EU students selected for an Erasmus Mundus 1 to 2-year
scholarship automatically receive free medical insurance cover.
This covers their unexpected medical expenses in the European countries
they visit during their Masters Course. It also provides accident cover
and protects them against some costs arising from civil liabilities (a
kind of third-party insurance which is required in many European
countries). Full details are provided in the general conditions below.
This medical coverage also applies during periods of travel during the
Erasmus Mundus Masters course. The insurers will also provide you with
assistance if you loose your passport, tickets or other travel documents.
However, it is not a comprehensive travel insurance. If students
wish to be covered for eventualities such as the loss or theft of money,
personal belongings and items of value, or for the unexpected costs
caused by travel delays, they are advised to take out additional cover
with a private insurer.
Who is covered?
All third-country scholarship students are provided with a
complementary insurance cover during their studies in Europe on an
Erasmus Mundus Masters Course. Enrolment in this insurance scheme is
automatic for student scholarship holders and does not involve extra
costs for students or for the Erasmus Mundus consortium.
What exactly is covered?
Erasmus Mundus third-country scholarship students are insured
worldwide, including during holidays of up to four weeks in their home
countries. In addition to medical expenses, some limited legal
and travel costs are also insured, as well as travel assistance. Some
of the costs of pregnancy, physiotherapy and some sporting injuries are
covered. Students are not covered for pre-existing conditions, conditions
for which treatment can wait until they return home, AIDs, mental illness,
or non-urgent dental care. The cover supplements any state health care
which may also be provided. There is no limit on the amount payable and
no excess to pay on medical costs, (as long as, if hospitalised, you stay
in a common ward and not a private room).
The insurance contract embraces cover for all of the situations set
out in the general conditions : you
are advised to check these carefully.
Summary of cover:
|5 000 EUR
||Permanent invalidity due to accident
|75 000 EUR
||Hospital stay in a shared room due to
accident or sickness
|real costs for up to one year
||Costs of treatment following an
(including surgery, ambulance transportation, medicines, physiotherapy
and medical examinations)
||Costs of urgent dental care
|| - repatriation or medical
|| - repatriation or
transportation of mortal remains
||7 500 EUR
|| - early return in case of
the death of a relative
|| - the dispatching of
|| - search and rescue costs
|| - telecommunication costs
|| - emergency travel
|| - legal assistance
||5 000 EUR
|| - transportation and
accommodation costs for family members in emergency situations
|7 500 EUR
||Civil liability in private life
||according to Belgian law
125 EUR excess payable
Who offers this insurance cover?
The scheme is paid for directly by the European Commission and does
not imply any additional costs for third-country scholarship students or
Erasmus Mundus university consortia. The cover is provided by the
insurance company ACE Europe, who can be contacted directly at their
Customer Service Hotline +32 2 516 9835.
Where am I covered?
The Erasmus Mundus Student Insurance Policy covers you worldwide
against risks related to health, accidents, and civil responsibility
while you are enrolled on an Erasmus Mundus Masters Course in Europe.
This means you are covered when you travel to the Master Course from your
home country, when you attend conferences, research trips or cultural
sessions abroad, and when you move to study at the different higher
education institutions involved in your programme. You are also covered
during short trips back to your home country.
When am I covered?
You are covered from the point at which you leave your normal place of
residence to go abroad to begin your Course. This may be up to two months
before the beginning of your Masters Course. The policy is valid while
you are abroad for up to three months after the official end of the
Masters Course, until you return home. The medical coverage will then
continue for a maximum of 30 days on your return.
How does it work?
The Commission will automatically register you with the Erasmus Mundus
Insurance scheme, once your participation on the Master’s Course is
confirmed. You will receive an insurance card with your personal policy
details. If you wish to make a claim for expenses, you fill in a
claim form and submit it directly to ACE Europe. For
serious medical problems and accidents or in the case of fatal injury,
ACE Europe should be immediately informed.
Are my partner and children covered?
Students' partners and children are not covered by the Erasmus
Mundus insurance scheme. However, they can benefit from special
conditions if they wish to purchase insurance from ACE Europe, as set out
in their separate Student Insurance Programme (SIP). Partners and
children must register directly with ACE Europe if they wish to take
out this cover. Please note that the conditions and benefits of the SIP
policy are different to those of the complementary insurance offered to
Erasmus Mundus students.
Erasmus Mundus Student Insurance Forms
Insurance Offer for Students’ Partners/Children - Student
Insurance Programme (SIP)