Health Insurance
Ireland Education Office team provides assistance with health insurance to meet the VISA requirement. We have arrangements with health cover companies and you can purchase the insurance from us on discount.
Study & Protect Student Insurance
IEO has partnered with Study & Protect Insurance to provide discounted insurance cover for students travelling to EU and Ireland. The Study & Protect team are there with you from the placement of cover and throughout your policy period, to assist you with any questions you may have. There is also a 24 hour multilingual claims assistance hotline so students can seek claims advice in their native tongue.
Insurance Policy Details
Discount Option
Students purchasing directly from the Study & Protect website can use Agent Reference Code:
to receive a €10 discount.
Click here to buy policy directlyPurchase via IEO/SCS
Students may choose to purchase this insurance via IEO/SCS at a discounted price of €130. In this case, the student will pay directly to SCS/IEO.
Refund Policy
If the student buys a policy directly through the Study & Protect website, the insurance company will issue a refund in the event of visa refusal.
No refund will be issued for policies purchased via IEO/SCS in the event of visa refusal, due to currency conversion fluctuations and domestic administrative factors.
Need help? Contact our support team
Medical Expenses
Includes:
- • Surgical, diagnostic, or remedial treatment by a qualified medical practitioner.
- • Nursing home and ambulance charges.
- • Complications of pregnancy (if travelling within 12 weeks of due date, a doctor/midwife certificate within 5 days of travel is required).
- • Dental expenses (injury-related) up to €500, incurred within 24 hours.
- • Unlimited emergency repatriation expenses.
- • Funeral expenses: Up to €7,000.
- • Physiotherapy, homeopathy, osteopathy, chiropractic treatment: Limited to €1,000 (only if necessitated by bodily injury).
€
Excess
First €100 per claim
!
Important Note
All expenses must be pre-approved and arranged by Chubb Assistance
24/7 Tel: +353 1 440 1762
Personal Accident (Section B)
Death, loss of two+ limbs, or sight in both eyes
Loss of one limb or sight in one eye
Personal Liability
Indemnity limit of €5,000,000 for personal liability coverage.
Any claim related to COVID-19 or its outbreak.
The first €100 of any claim.
Expenses not authorised in advance by Chubb Assistance.
Costs recoverable under a national health scheme.
Treatment not confirmed as medically necessary by a doctor.
Treatment provided by a family member.
Physiotherapy/homeopathy/osteopathy/chiropractic unless due to bodily injury.
Cosmetic treatment unless agreed and necessary due to accidental injury.
Expenses in the Country of Origin unless specifically covered.
Trips taken for the purpose of medical/cosmetic treatment or advice.
Dental/optical expenses except minimum care to relieve pain/discomfort.
Medication required or known prior to travel.
Treatment that could have waited until return home.
Travelling against medical advice.
Expenses without receipts.
General Exclusions (Whole Policy)
- COVID-19 or its mutations/outbreak.
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Travel to areas where the Department of Foreign Affairs advises
“Avoid non-essential travel” or “Do not travel.”
- War, radioactivity, armed forces service.
- Scuba diving, mountaineering, drink driving.
- Motorbike/scooter riding unless licensed in Ireland.
- Flying other than as a passenger.
- Illegal acts, self-injury/suicide, drug abuse.
- HIV/AIDS or treatment for pre-existing symptoms.
Emergency Medical Assistance
Other Claims
The Courtyard, Carmanhall Rd,
Sandyford Business Estate,
Dublin 18, D18 X377
Provide the following when making a claim:
- Type of claim (injury, illness, medical expenses, liability, etc.)
- Name of the Language School/College and Policy/Certificate number
- Relevant statements, receipts, or accounts to support your claim
IEO has partnered with United Insurance to provide discounted insurance cover for students travelling to EU and Ireland. Click at below link to IEO dedicated link and order now.
Insurance Policy Details
Terms & Conditions
- The student must submit a completed SCS Refund Form.
- The insurance company will issue a cheque to the student for the refund amount (PKR 14,000).
- Refund requests are subject to verification and processing by United Health Insurance.
- The refund will only be issued in cases of visa refusal.
- The refund will not be issued in case of visa decision delay or if the student withdraws the visa application.
- Refunds will be processed within 4 to 6 weeks.
![United Insurance Logo](https://educationireland.net/wp-content/uploads/2025/09/UICLogo-768x672-1.png")
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Medical Expenses & Hospitalization AbroadCovers reasonable costs for hospitalization, surgery, medical fees, and prescribed pharmaceutical products if illness or injury occurs abroad.
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Transport/Repatriation (Illness or Injury)Covers transfer or repatriation to a health center or back to the insured’s country of residence.
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Emergency Dental CareCovers treatment for pain and infection only.
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Repatriation of Family MemberIf hospitalized >15 days or in case of death, covers travel of an immediate family member or appointed companion.
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Repatriation of Mortal RemainsArranges and covers transfer of remains to place of interment, cremation, or funeral in home country.
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Medical Referral/AppointmentAccess to local specialists through company’s call center and international network.
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Connection ServiceAssistance with services abroad (car rentals, legal/admin info, referrals).
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Delayed DepartureIf common carrier departure delayed ≥12 hours (or >8 hrs), reimburses additional transport, hotel, and meal expenses (with invoices). Requires:
- Written confirmation from carrier about delay and reasons.
- Calculation based on actual departure time.
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Loss of Credit CardAdvances funds if deprived of cash due to credit card loss (up to plan limit).
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Loss of PassportCovers necessary expenses for obtaining a replacement passport or consular document.
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In-Flight Checked Baggage LossSupplements carrier’s compensation (minimum 21 days wait to confirm loss).Not covered for:
- Breakage of glass/china (unless conveyance accident).
- Moth, vermin, electrical/mechanical breakdown, gradual wear.
- Cash, travel tickets, credit cards, passports, licenses.
- Confiscation by customs.
- Losses not reported within 24 hrs.
- Breakage of sports equipment in use, loss/damage to pedal cycles/hired equipment.
- Loss/damage to contact or corneal lenses.
Includes coverage for transport accidents to/from boarding points and accommodation. -
Accidental DeathPays insured sum to beneficiary; adjusts payment if disability indemnity already paid from same accident.
Excluded causes/events include:
Fraud, criminal acts, reckless or negligent actions, derangement, or psychiatric treatment costs.
Extraordinary natural phenomena (floods, earthquakes, landslides, volcanic eruptions, atypical storms, aerolites, etc.).
Pre-existing conditions known at booking.
If insured was not in Pakistan when policy issued.
Traveling against physician advice or for treatment/tests abroad.
Terrorism, mutiny, crowd disturbances.
Armed forces or security actions in peacetime.
Wars or military conflicts/interventions.
Radioactive/nuclear events.
Participation in bets, challenges, brawls (except self-defense).
Illness/injuries existing before claim unless covered by special conditions.
Participation in sports competitions, training, or dangerous sports: motor/motorcycle racing, big game hunting outside Europe, scuba diving, private craft navigation, horse riding, climbing, boxing, wrestling, martial arts, parachuting, gliding, hot air ballooning, free falling, skiing, or similar.
Permanent residents/students outside home country.
Unauthorized air transport or helicopters.
Work-related accidents.
Recognized epidemics (international/local).
Chronic ailments or illnesses pre-dating policy.
Suicide, attempted suicide, or self-inflicted injuries.
Alcohol/drug-related illnesses or mental imbalance.
Refusal or delay of proposed transfer by company’s medical service.
Pregnancy, childbirth, complications, or voluntary termination.
Mental health diseases, venereal diseases, all congenital/chronic conditions.
Cardiac or vascular illnesses if treated within two years prior to travel.
Non-medically necessary or elective treatments.
Rehabilitation treatments.
Prostheses, orthopedic materials, spectacles.
Timeframe for Notification
- Notify the company within 60 days of when the claim occurred or within 30 days after returning to your country of residence.
Initial Actions
- Minimize the loss: Take all reasonable precautions to prevent further loss or damage.
- Immediate Notification: As soon as possible, telephone the company to notify them about the claim and the benefits you are requesting.
Documentation to Provide
- Freely provide all relevant information and documents requested by the company within 60 days after they ask.
- Keep and submit receipts, invoices, or supporting evidence for any expenses incurred.
Approval of Expenses
- Pre-approval is required for expenses—expenses not approved in advance will not be reimbursed.
Premium Refunds
- A premium will be refunded only if you furnish a copy of the rejection letter along with the original documents.