Insurance

If you do not have an E128 form or a European Health Insurance Card (see medical care) Concordia recommends that you arrange separate medical insurance. If you decide not to take Concordia holiday insurance you should have already provided Concordia with evidence that you have a similar policy in place. The Concordia holiday insurance offers the following:-

1. In the event of a serious injury occurring during your stay, arrangements will be made to return you to your home country as quickly as possible, either by normal air routes or air ambulance if necessary.
2. Up to £250 cover for loss of money, and up to £500 cover for loss of travel tickets, traveller cheques and credit cards.
3. Loss or damage to personal belongings up to £750 will be insured. (There is an item limit of £300). In order to claim on this section you must report the loss to the police within 24 hours.

The insurance policy does not offer emergency dental and optical treatment. Details of how to make a claim are on the policy document. As a member you are able to use Concordia to process your claim. The Insurance policy is valid for a maximum of six months. If you leave the Concordia programme the insurance policy becomes invalid.

Medical Care
You are entitled to free emergency medical treatment whilst you are working here but you may be asked to pay for non-emergency medical appointments. This depends on whether your government and Britain have reciprocal agreements.

If you do need to go to a doctor, EU students should bring a copy of an E128 form which permits you to have medical treatment on the National Health Service. This form is being replaced by the European Health Insurance Card (EHIC) which you are also able to use for this type of treatment.

If you do not have an E128 form or an EHIC and you need to visit a doctor, they can chose to treat you either privately (this means you will have to pay) or on the National Health Service. For this reason you may wish to consider taking out a medical insurance policy before you leave your country. For a cold or allergy it is usual in the UK to go to a chemist, rather than a doctor, for advice on treatment and medication. In the UK many people buy over-the-counter medication to help them feel better at these times. Please check with the chemist before you take anything.