Which Student Travel Insurance Plan is better for me, the Classic or the Premium?

The first thing you need to know is that the Sacos Student Travel insurance is backed by Mapfre Assistencia: a global insurance company that operates worldwide. Therefore both the classic and the premium plan is designed to provide you with the protection you would expect from a comprehensive travel insurance that is supported by a 24 hour international call center service. That said, whichever plan you opt for will depend entirely on your needs.

Both plans offer worldwide coverage, although the amount covered differ.

The main differences between the two plans:

The Classic Student Travel Insurance Plan has a limit of USD30,000 for Emergency Medical Evacuation whereas the Premium Plan has a limit of USD50,000. If you incur any medical expense including hospitalisation while you are studying abroad, the limit on your Classic Plan will be USD60,000, with excess of USD50.

In contrast, the Premium Student Travel Insurance Plan is capped at USD100,000, with excess of USD50. The Classic Plan has a limitation of USD15,000 for the repatriation of mortal remains, whilst the Premium Plan has a limit of USD25,000 .

How will I know which plan is best for me?

Here are some things you may want to consider when deciding on a plan:


Where are you travelling to?

You may want to consider the safety level of the country you are travelling to, and the level of Healthcare on offer. European countries may be better equipped for medical emergencies, therefore you may be adequately protected on a Classic Insurance Plan

How long will you be away for?

The minimum time away in order to be eligible for the Sacos Student Travel Insurance is 3 months. If you are going away for your a degree which takes 3 years, we highly recommend opting for the Premium Cover as it will offer higher protection.

Regardless of which plan you opt for, you should bear these in mind:

  • Your policy will not cover any medical conditions which were already present when you bought your policy, nor will your cover apply if you travel against medical advice.
  • This policy is to protect you when the unexpected happens and medical claims are based on what is necessary and reasonable. Preventative treatments such as health screening and health checks are not covered.
  • You must act responsibly and report any crime against you to the police within 24 hours.  Incidents involving drugs and/or alcohol and illegal activities are not covered.

Still unsure about which cover is better suited to your needs? Visit our website at:  https://www.sacos.sc/here-for-you/student-travel-insurance/ or call us on 429 5000 or send an email to info@sacos.sc and an officer will be more than happy to go through the Policy with you.

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