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Seguro BASICO Irlanda

Valor único para todo período de curso EUROS $ 175,00
Exemplo :
1 Mês de Cobertura = Euros $ 175,00
7 meses de cobertura = Euros $ 175,00
Data de cobertura do seguro deve seguir a duração do curso = carta de aceitação da escola onde o estudante esta matriculado
Cada vez que o seguro é acionado, deve-se pagar uma franquia de uso. EUROS $100,00

MediCover Travel Medical Expenses Insurance

Underwritten by Ace Europe and arranged through O’Driscoll O’Neil Ltd

A full policy document is available for inspection here

Summary of Cover
The Insurers will pay costs incurred by any insured student following any accidental
injury whether hospitalisation is necessary or not, or any illness necessitating
admission to hospital, up to a limit of €2,500,000

Additionally, the following lump sum payments will be made in the following
circumstances:
Accidental death: €10,000
Accidental loss of two or more limbs: €10,000
Accidental loss of sight in both eyes: €10,000
Accidental loss of one limb: € 5,000
Accidental loss of one eye: € 5,000

Each student is issued with an individual policy certificate via email.

The policy is subject to a €100 excess per incident. All costs incurred in relation to
any particular injury or illness will be subject to one excess only, regardless of the
timescale of the treatment necessary.

Exclusions:
The policy is subject to standard insurance exclusions including those detailed below.

The policy excludes claims arising from pre-existing illness or injuries known to the
student prior to them travelling to Ireland.

The policy also excludes claims arising from suicide or attempted suicide, AIDS/HIV,
criminal activity including drug abuse, organ transplants, radioactive contamination
and injury arising from certain hazardous activities (e.g. scuba diving, rock climbing,
hang gliding etc.).

The policy excludes cover for anyone not undertaking a course of study.
intercambio.com.br
SCHEDULE OF BENEFITS 19. The first €100 of each and every claim in respect of medical expenses.
20. Treatment which is experimental, or is not established or customary, excessive or
Section A) Medical and Repatriation Expenses €2,500,000 medically inappropriate for the disability concerned.
21. Any occupation, sport, pastime or activity in which materially greater risk may be
Insurers will pay reasonable cost relating to in-patient treatment. Out-patient expenses are only covered incurred. Hazardous Activities shall be deemed to be, but not limited to, winter sports,
following an injury or following an illness which necessitated admission to hospital. To qualify for this skin diving involving the aid of breathing apparatus, rock climbing or mountaineering
benefit all treatment should be pre-authorised by the designated Help-Line Medical Advisors. normally involving the use of ropes or guides, potholing, hang gliding, parachuting,
All repatriation expenses must be pre-authorised by the designated Help-Line Medical Advisors. Insurers hunting on horseback, or driving or riding in any kind of race, manual work, aeronautics
have the right to repatriate at their own discretion subject to t conformation that the insured person is or aviation other than as a fare paying passenger in a duly licensedpassenger carrying
deemed fit to travel. aircraft and driving or riding on motor cycles or motor scooters other than mopeds unless
he/she is properly licensed to do so in Ireland.
Section B Accidental death €10,000 22. Any expenses arising out of war, invasion, acts of foreign enemies, hostilities (whether
Accidental loss of two or more limbs €10,000 war be declared or not), civil war, rebellion, revolution, terrorisn, insurrection or military
Accidental loss of sight in both eyes €10,000 power or usurped power.
Accidental Loss of one limb €5,000 23. Radioactive contamination.
Accidental loss of one eye €5,000 24. Any medical condition (including chronic or recurring conditions) in respect of which you
had suffered or sought treatment or advice for the previous 24 months prior to
The maximum benefit payable under Section B) in respect of any one insured person shall not exceed commencement of this insurance certificate.
€10,000. 25. Costs in respect of treatment which can reasonably wait until the Insured Person has
returned to his/her home country.
DEFINITIONS 26. Costs for which no receipts are provided.
Accident/accidental: a sudden unexpected or unforeseen event caused by external violent and visible 27. Physiotherapy, homeopathy, osteopathy or chiropratic treatment unless post injury. Any
means resulting in bodily injury. such treatment that is insured is limited to a maximum of 5 sessions and must be carried
Bodily Injury: an identifiable physical injury which is caused by an accident and solely and independently out by an appropriately qualified practitioner. A further 5 sessions may be allowable by
of any other cause occasions the insured person’s death or disablement within the period of insurance. underwriters at their discretion, provided such additional sessions are deemed necessary
Loss of limb: (a) the loss by permanent physical separation of a hand at or above the wrist or of a foot at by another appropriately qualified practitioner.
or above the ankle, or (b) the total or irrecoverable loss of use of hand, arm or leg. 28. Costs of medical treatment incurred outside Ireland.
Insured person: the person named above in Personal Details.
Physician: is a legally licensed medical practitioner recognised by Irish law and who, in rendering such CONDITIONS
treatment, is practising within the scope of his/her licensing and training. 1. The insured person must supply at his/her own expense, all information and evidence
Hospital: is any institution which is legally licensed as a medical or surgical hospital in Ireland and whose including medical certificates required by the insurer. The insurer reserves the right to
main activities are not those of a spa, hydroclinic, sanatorium, nursing home, or home for the aged. It must require the insured person to undergo an independent medical examination at the
be under constant supervision of a resident Physician. expense of the insurer.
Admission to Hospital: is where a person is formally admitted to Hospital through the signing of an 2. If the insured person should become ill or injured the insurers have the right to return
admission sheet by an appropriately qualified medical officer or appropriately qualified casualty officer of him/her to their Country of Residence at any time during the Period of Insurance. The
the Hospital. insurers will do this if the physician treating you and the designated Help-Line Medical
Hospital services: include all medical treatment, excluding Organ Transplantation. Hospital Services Advisor’s physician agree that he/she can safely return home.
include reasonable and customary charges, in the area where treatment is provided, for Hospital 3. Any fraud, mis-statement or concealment in the statements made by the insured person
accommodation up to the cost of a single-bedded room, meal charges, all Hospital medical facilities, and when arranging this insurance or when making a claim shall render all cover null and
all medical treatment and medical services ordered by a Physician. Where intensive care unit void and any claim payments shall be forfeited.
accommodation as well as radiotherapy, chemotherapy and computerised tomography is medically 4. To make a claim the insured person should contact the designated Help-Line medical
required the reasonable and customary charges will also be met. Advisors within 30 days of any event covered by this insurance. They will explain the
Outpatient Services: are medical treatments provided to the insured Person when the Insured Person is claims procedure and send any appropriate forms to completion.
not a registered inpatient in a Hospital, or any other facility for medical care and are restricted to post 5. In the event of a medical emergency the insured person should contact the designated
operative or those following and emergency. Help-Line medical Advisors immediately any serious accident or illness in Ireland
Organ Transplantation: is the cost of transplantation of organs. requires in-patient hospitalisation or before any arrangements are made for repatriation.
Dental Treatment following Accident: is emergency treatment necessary to restore or replace sound They are available 24 hours a day and will try to solve the problem in the most practical
natural teeth lost or damaged in an Accident and for which a consultation is provided within 48 hours and way to minimise the inconvenience. The insured person should have the following
dental treatment for the immediate relief of pain following an Accident. ready:-
Repatriation: is the expense of preparation and the transportation of the Insured Person to his/her country 1. The Assistance Card, Full details of the problem, A contact telephone number
of Residence. The Medical Advisors must only make such arrangements.
IMPORTANT: failure to consult the designated Help-Line Medical Advisors and follow their
EVENTS THAT ARE NOT COVERED instructions could jeopardise entitlement to benefit or compensation.
The following treatment, conditions, activities, items and their related expenses are excluded from the
insurance and the Insurers shall not be liable for:- WHO TO CONTACT
HELP-LINE MEDICAL ADVISORS INSURANCE BROKERS
1. Treatment by a family member. ACE Rescue O’Driscoll O’Neil Ltd.
2. Auto therapy including prescription drugs or any treatment that is not scientifically recognised. Telephone + 44 1444 44208 17/18 Herbert Place
3. Diagnosis or counselling directly or indirectly arising out of or consequent upon or contributed to by To be contacted in the event of all. Dublin 2, Ireland
AIDS/HIV/ARC or venereal disease. Claims and all medical emergencies Tel: + 353 1 6395800
4. Attempts at suicide, whether successful or not, or any self inflicted injury. Fax: + 353 1 639 5950
5. Persons over 60 years of age.
6. Routine medical examinations (including vaccinations, the issue of medical certificates and
attestations, and examinations as to suitability for travel or employment). Routine eye, ear and dental COMPLAINTS PROCEDURE
examinations, including the cost of spectacles, contact lenses and hearing aids. If the insured person has an enquiry or complaint to make they should first write to the Managing
7. Any criminal act, including resultant imprisonment. Director of the designated Help-Line Medical Advisors. Should the insured person be dissatisfied
8. Elective cosmetic or aesthetic surgery and associated costs. with the reply they may forward complaints to the Business Development Manager – Accident &
9. Costs incurred arising out of pregnancy, childbirth, miscarriage, and abortion or related complications Health Department. Making a complaint will not affect an insured person’s rights in law. The
10. Birth defects or congenital illnesses. address is:-
11. Costs for acquisition and implantation of artificial heart and mono or bi-ventrical devices. Business Development Manager
12. Any dental treatment except as a result of an accident to sound and natural teeth. This shall continue Accident & Health Department
to exclude however, damage to crowns and bridges. Level 1, 4 Custom House Plaza
13. Treatment for any condition caused or aggravated by any psychiatric illness or any mental or nervous IFSC, Dublin 4
disorder. Tel: 01 636 9100 Fax: 01 613 6950
14. Outpatient services other than those specified under Schedule of benefits – Section A.
15. Prosthese, corrective devices and medical appliances, which are not surgically required. Should the insured person remain dissatisfied, they may then contact the Insurance Ombudsman.
16. Transplantation of organs. The Insurance Ombudsman,77 Merrion Square, Dublin 2.Telephone: (01) 662 0899
17. Expenses incurred in cryopreservation or implantation or reimplantation of living cells whether This is a summary of cover only. The master policy may be inspected by arrangement with the
autologous or provided by a donor. college
18. Expenses incurred for any condition where the insured person was under the influence of alcohol or
drugs unless prescribed by a physician.
 WHAT IS A GENERAL PRACTITIONER (GP)?

The General Practitioner, commonly referred to as a GP, is a general

doctor who has specialised in family health. He or she is therefore
qualified to see anyone from small babies to the elderly. They are
used to seeing patients with different health problems including skin
disorders, gynaecological problems and contraception. Whatever
health problem you have, the GP is usually the first doctor you
consult. If you have a complicated problem or an illness that requires
specialist advice, the GP will refer you to the appropriate doctor.

HOSPITAL SERVICES IN IRELAND

There are two main types of hospitals in Ireland but there is very
little difference in practice between the first two types:

Health Service Executive Hospitals are owned and funded by the

states health service executive. Each Health Service Executive area is
responsible for the provision of health and social services in its area.
E.g. Beaumont Hospital, Mater Misericordiae Hospital.
Private Hospitals These are purely private hospitals that operate
independently from the state health services in Ireland. If you choose
for private care in a private hospital, you must pay the full cost of
treatment and maintenance. E.g. Mater Private Hospital.

Word of Warning
Students should note that there are often long waiting lists for public
health treatment with hospital consultants. Therefore many Irish
people choose to pay for private health insurance because the
waiting lists are not as long. You may be able to be seen more
quickly if you pay for private treatment, but this can be very
expensive.

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