Statement of Fact / Confirmation of cover / Policy Summary
MediCover Graduate Student Travel/Personal Medical Expenses
Insurance
For graduates from non-EEA countries on a 1G visa attending an educational course in Ireland.
Certificate number: Policy number: IAS84420
INIE25082025733082IAS84420
Education Agency:
Education institution: Griffith College Cork
This policy provides cover for medical and other travel expenses, Injury and Personal Liability.
Personal details
First Name(s) Venkata Prasad
Reddy Family Eppala
Name: 16/02/1996
Address: 23 Redemption Road
Blackpool, Cork City Date of 25/08/2025
Birth:
Issue Date:
T23K1HP, 25/08/2025
Cover Start
Ireland
Date: Cover 24/08/2026
Country of Origin: India
Finish Date
* Cover will end on cover finish date or following emergency repatriation only, from the date of arrival, or admission to
hospital, in your Country of Origin.
The policy will provide cover if you are travelling abroad to any country within Europe for a maximum duration of 14 days
any one trip and in aggregate during the Period of cover (if 12 months cover has been purchased) or not exceeding 7 days (if
less than 12 months cover has been chosen). All trips start and end in Ireland.
Please note the policy does not cover any trips which involve hazardous activities, which includes winter sports.
Total Premium: € 240.00 - Insurer premium of €135.00 including a 5% government levy and an admin fee of € 105.00
Pre-requirements for cover to apply
1. I am not:
a. in Ireland to attend a course of study of more than one academic year’s duration;
b. currently under treatment, taking medication, or receiving follow-up consultation for any of the following conditions:
i) cancer;
ii) any heart/circulatory-related condition (including hypertension, angina, stroke etc); or
iii) any chronic lung/breathing-related condition (excluding asthma suffered in isolation and controlled by the use
of one or two inhalers); or
iv) a clinically diagnosed psychiatric disorder, anxiety or depression;
c. receiving or waiting for medical treatment at a hospital or nursing home;
d. waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure,
for any condition, whether diagnosed or undiagnosed.
e. choosing not to take prescribed medication, or the correct dose of prescribed medicine.
f. travelling against the advice of a medically qualified doctor;
g. travelling to obtain medical, dental or cosmetic treatment;
h. travelling with a terminal condition;
2. I wish to be insured under this scheme, subject to my obtaining a satisfactory visa / period of extension. I have read and
understood the terms, conditions and exclusions which apply to this insurance.
Please note that should the above points 1 and 2 not be correct you should immediately advise StudyandProtect in
writing. In the absence of such a reply you will be deemed to have accepted the cover on the terms and conditions
quoted.
Chubb Assistance (24/7, 365
James Duncan +353 (0) 1 440
days)
Authorised Official
Chubb European Group SE
1762
How to Claim:
Should you need emergency medical assistance contact Chubb Assistance Hotline:
If you need to make any other claim you should contact:
Phone: 01-6395800; [email protected]
Arachas Study & Protect Team, The Courtyard,Carmanhall Rd,
Sandyford Business Estate, Sandyford, Dublin 18, D18 X377
To avoid delays in settling your claim:
• Indicate the type of claim (e.g. injury, illness, medical expenses, personal liability, etc.)
• Quote the name of the university/college being attended and the Certificate Number.
• Substantiate your claim by attaching the applicable statement, receipts or accounts.
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Summary of cover
MediCover Student Travel/Personal Medical Expenses Insurance
This is a summary of cover and does ‘Insured’ means the person, firm,
not contain all the terms and company or organisation named ‘In-patient’ means an Insured Person,
conditions these can be found in above in the confirmation of cover. whose Hospital confinement is as a
Policy document number IAS84420 resident bed patient, for whom a clinical
which has been provided to you. ‘Insured Person’ means the student case record has been opened and whose
Please take time to make sure you mentioned above, whose Country of confinement
understand the cover it provides. Origin is outside the European is necessary for the medical care,
Cover is Economic Area who has chosen to diagnosis and treatment of an Illness or
underwritten by Chubb European participate in the Insured’s Bodily Injury covered by this Policy and
Group SE. MediCover Student Travel Insurance. not merely
for any form of nursing,
What is MediCover travel/student convalescence, rehabilitation, rest
Private Medical Expenses or extended-care.
Insurance?
Pre-requirements for cover to apply
The MediCover travel/student Private
Medical Expenses Insurance covers As with all insurance policies, other
Insured Persons whose Country of than life assurance, the policy covers
Origin is outside the EEA and who, only unexpected and unforeseen events.
whilst in Ireland for the purpose of If you cannot confirm the above
attending an academic course with statements under the heading Pre-
the Insured, during the period of requirements for cover
insurance, suffer an injury resulting to apply you will not be covered by this
in death or disablement; incur insurance.
medical expenses following illness
requiring hospitalisation Chubb Assistance
or following an accident; or require to
be indemnified should they become Emergency medical assistance
liable for some unintentional injury, T +353 1 440 1762
illness or damage to the property operates 24 hours a day, 365 days a year.
of another.
Significant Features and benefits
Who can be covered?
A) This policy provides cover for
A. Students whose Country of Origin €2,500,000 for medical expenses
is outside the EEA, whilst in (including dental expenses
Ireland for the purpose of necessitated by bodily injury),
attending a course of one nursing home and ambulance
academic year or less. charges and unlimited expenses for
B. Any Partner of a person emergency repatriation. Funeral
described in Category A when expenses are limited to €7,000 and
StudyandProtect and Chubb physiotherapy, homeopathy,
agree to include such person in osteopathy or chiropractic treatment
this insurance. is limited to €1,000. An excess of
C. Any Child of a person described in €100 per claim applies.
Categories A or B when the
Intermediary and Chubb agree to B) In case of injury, the benefit
include such person in this payable in respect of death, loss of
insurance. two or more limbs, or loss of sight
in both eyes, is
Definitions €10,000. In the case of loss of one
limb or loss of sight in one eye the
‘Accident’ and ‘accidental’ means a benefit payable is €5,000.
sudden identifiable violent external
event which happens by chance and C) Personal liability cover included
which could not be expected; or with a limit of indemnity of
unavoidable exposure to severe €5,000,000.
weather.
Section A. Medical Expenses – up to
‘Bodily injury’ means injury which is €2,500,000
caused solely by Accidental means
and which independently of Illness or 1. ‘Medical Expenses’ means all
any other cause, occurs within 12 reasonable costs necessarily
months from the date of the Accident. incurred whilst an Insured Person
is in Ireland including:
‘Illness’ means any illness, disease, a) surgical or other diagnostic or
medical complaint or medical remedial treatment given or
condition which is not Accidental prescribed by a Qualified
Bodily Injury and which is contracted Medical Practitioner;
by an Insured Person. b) nursing home and
ambulance charges; and
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0124
c) costs incurred for • Expenses incurred for which no
complications of pregnancy Policyholder provides a receipts are provided.
(as diagnosed by a medical certificate - which
Qualified Medical Practitioner must be dated no earlier For further details please refer to
who specialises in obstetrics than 5 days before the the policy document
provided that if travelling outbound travel date - Cover – Pages 16 - 20
within 12 weeks of the issued by a doctor or Exclusions – Pages 21 - 25
expected date of delivery the midwife confirming the
number of weeks of
pregnancy and that they
are fit to travel).
2. Dental expenses must be
incurred within 24 hours of the
injury (Max limit
€500).
All expenses must be pre-
approved and arranged by Chubb
Assistance which operates 24
hours a day, 365 days a year
T +353 1 440 1762.
Significant or Unusual
Exclusions or Limits applicable
to Section A
This section does not cover:
• Any claim of any kind directly
or indirectly arising from,
relating to or in any way
connected with COVID-19 or
its outbreak
• The first €100 of any claim
under A. Medical Expenses
• Expenses incurred
without the authorisation
in advance of Chubb
Assistance
• Amounts recoverable from
any free national health
scheme
• Injury/illness where a Doctor
has not confirmed the
treatment to be medically
necessary
• Treatment provided by a
member of the Insured
Person’s family
• Physiotherapy, homeopathy,
osteopathy or chiropractic
treatment unless necessitated
by bodily injury
• Cosmetic treatment unless
agreed by us and necessary as
a result of accidental bodily
injury
• Expenses incurred in the
Insured Person’s Country of
Origin except as specifically
covered
• When the purpose of the
trip is to receive medical
treatment, cosmetic
treatment, or medical
advice
• Dental or optical expenses
other than those incurred in
providing the
minimum level necessary to
relieve pain and discomfort for
the duration of the journey
following the injury
• Medication costs known or
required prior to travelling
• When treatment could have
waited until return to Country
of Origin.
• When travelling against the
advice of a medical
practitioner
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Section B. Personal Accident – up to (or any mutation or variation thereof )
€10,000 and / or its outbreak; to the extent that unless licensed in Ireland; flying other
any term or condition in the Policy than as a passenger; illegal acts; self-
Accidental bodily injury which causes: may be inconsistent with this injury or suicide; drug abuse; HIV/AIDS;
• Death/Loss of more than one exclusion, this exclusion shall prevail; treatment for symptoms which should
limb/Loss of sight in more than any travel to areas where the reasonably have been treated before
one eye: €10,000 Department of Foreign Affairs travelling.
• Loss of one limb or loss of sight allocates a security status of ‘Avoid
in one eye: €5,000. non-essential travel’ or ‘Do not travel’; Duration of policy
War; radioactivity; armed forces;
Significant or Unusual Exclusions or This policy will start and finish on the
scuba diving; mountaineering;
Limits applicable to Section B dates shown above in the confirmation
drink driving; motor bike or scooter of cover.
riding
This section does not cover:
• suicide or deliberate self harm Right of cancellation
• post traumatic stress disorder, The Insured or the Insured Person may
psychological or psychiatric cancel this Policy at any time. If the
condition Insured or Insured Person cancels
• Repetitive stress (strain) within 14 working days after receiving
injury or syndrome confirmation that the Policy has been
• driving under the influence of concluded, We will refund the
alcohol; Premiums paid provided no claims
• disease or any physical defect, have been reported or paid. After 14
injury or illness which existed working days there is no refund
before the Journey; provided.
• any physical defect, infirmity or
medical condition for which
Who are we
medical advice or treatment has
been received within the 24 This policy is arranged and
months prior to an Insured administered by Arachas. Arachas
Person’s effective date of cover. Corporate Brokers Limited t/a
Arachas, Capital Insurance
For further details please refer to the Markets, Capital IM, Covercentre is
policy document regulated by the Central Bank of
Cover – Pages 16 - 20 Ireland. Company registration number:
Exclusions – Pages 21 - 25 379157
Section C. Personal Liability – up to This policy is underwritten by Chubb
€5,000,000 European Group SE. Chubb European
Group SE trading as Chubb, Chubb
Covers legal costs and damages which Bermuda International and Combined
the insured person becomes legally Insurance,
liable to pay as a result of having is authorised by the Autorité de
caused death or injury to a third party contrôle prudentiel et de résolution
or damage to their property. (ACPR) in France and is regulated by
the Central Bank of Ireland for
Significant or Unusual Exclusions or conduct of business rules. Registered
Limits applicable to Section C in Ireland No. 904967 at 5 George’s
Dock, Dublin 1. Chubb European
This section does not cover liability Group SE is an undertaking governed
for: by
• Bodily injury to any person in the the provisions of the French insurance
course of being engaged in the code with registration number 450 327
activities of the insured persons’ 374 RCS Nanterre and the following
employer registered office: La Tour Carpe Diem,
• Bodily injury to the insured 31 Place des Corolles, Esplanade Nord,
persons’ immediate family 92400 Courbevoie, France. Chubb
• Property belonging to or in the European Group SE has fully paid
custody of an insured person share capital of €896,176,662.
• Mechanically propelled vehicle,
aircraft, hovercraft, watercraft or Chubb European Group SE is a
firearms subsidiary of a US parent and Chubb
• The ownership, possession Limited (a NYSE listed company) and
or occupation of land or part of the Chubb Group of
buildings, immobile companies. Consequently Chubb
property or caravans European Group SE is subject to
• Any wilful or malicious act certain US laws and regulations in
• Punitive or exemplary damages addition to EU,
UN and national sanctions restrictions
No admission, offer, promise or which may prohibit it from providing
indemnity to be made without the cover or paying claims to certain
consent of Chubb. individuals or entities, and from
insuring certain types
For further details please refer to the of activities in or connected with
policy document certain countries and territories such
Cover – Pages 16 - 20 as, but not limited to, Iran, Syria, North
Exclusions – Pages 21 - 25 Korea, North Sudan, Cuba and Crimea.
General Exclusions applicable to How to claim
whole policy
1) Should you need emergency
Coronavirus Disease 19 (COVID-19) medical assistance contact Chubb
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Assistance on:
+353 (0)1 440 1762 1) Indicate the type of claim (e.g.
2) Should you wish to make any other injury, illness, medical
claim you should contact: expenses, Personal Liability,
etc.)
Arachas Study & Protect 2) Quote the name of the Language
Team, The School/ College being attended
Courtyard,Carmanhall Rd, and the Policy/ Certificate
Sandyford Business Estate, number.
Sandyford, Dublin 18, D18 X377 3) Substantiate your claim by
T 01 - 6395800 attaching the applicable
E statement, receipts or
accounts.
[email protected] To
Complaints procedure
avoid delays in settling your Both Chubb and Arachas are
dedicated to providing a high
Claim: quality service and want to
maintain this at all times. If you
are not satisfied with our service
please contact:
1. Arachas StudyandProtect
Team, The Courtyard,
Carmanhall Rd,
Sandyford Business Estate,
Sandyford, Dublin 18, D18 X377
T 01 - 6395800
E
[email protected] 2. The Accident & Health
Manager Chubb
5 George’s Dock
International Financial
Services Centre
Dublin 1
T 1800 707170
E
[email protected] quoting policy details.
If not satisfied with Chubb’s final
response, an Insured Person can
ask the Financial Services and
Pensions Ombudsman to review
their case.
Financial Services and Pensions
Ombudsman
3rd Floor, Lincoln House
Lincoln Place
Dublin
2 D02
VH29
T (01) 567 7000
E
[email protected] W
www.fspo.ie
The existence of these complaint
procedures does not reduce an
Insured Person’s Statutory Rights
relating to this Policy.
For further information about
Statutory Rights an Insured Person
should contact the Competition and
Consumer Protection Commission.
C1201/21
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Data Protection Declaration
We use personal information which
you supply to us or, where applicable,
to your insurance broker in order to
write and administer this Policy,
including any claims arising from it.
This information will include basic
contact details such as Your name,
address, and policy number, but may
also include
more detailed information about You
(for example, Your age, health, details
of assets, claims history) where this is
relevant to the risk Chubb are
insuring, services Chubb are
providing or to a claim You are
reporting.
Chubb are part of a global group, and
Your personal information may be
shared with Chubb’s group
companies in other countries as
required to provide coverage under
Your policy or to store Your
information. Chubb also use a
number of trusted service providers,
who will also have access to Your
personal information subject to
Chubb’s instructions and control.
You have a number of rights in
relation to Your personal information,
including rights of access and, in
certain circumstances, erasure.
This section represents a condensed
explanation of how Chubb use Your
personal information. For more
information, Chubb strongly recommend
You read Chubb’s
user-friendly Master Privacy Policy,
available here:
https://www.chubb.com/
ie-en/footer/privacy-policy.aspx.
You can ask Chubb for a paper
copy of the Privacy Policy at any
time, by contacting Chubb at
mailto:dataprotectionoffice.europe@c
hubb. com.
C1201/21
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Date: 25/08/2025
Certificate: INIE25082025733082IAS84420
STATEMENT OF SUITABILITY ON BEHALF OF ARACHAS
Important Notice – Statement of Suitability.
This is an important document which sets out the reasons why the product(s) or service(s) offered or
recommended is/are considered suitable, or the most suitable, for your particular needs, objectives
and circumstances.
Class of Insurance: Private Medical
Insurer: Chubb European Group SE
Expenses
Family Name: Eppala
First Name(s): Venkata Prasad Reddy
Policy No.: IAS84420 - Graduate Visa
Arachas Corporate Brokers Limited is regulated by the Central Bank of Ireland. The quotation obtained for
you for the above noted class of insurance is based on the information you have provided to us.
This product is part of an exclusive facility we offer in Partnership with Chubb European Group SE
(Medicover). We do not rebroke each policy on this facility individually but on a block basis, as we regularly
check the rates and cover levels provided by this facility to ensure that they remain market leading and with
your best interests in mind.
We believe the product recommended is competitively priced and meets your insurance demands and needs.
We would be happy to discuss with you the reasoning behind us taking this approach should you wish.
All information in relation to your policy can be found in your policy terms and conditions which will be issued
to you once cover has been put in place and is available from our offices at all times.
We assume that by transacting business with us in relation to this policy offering, you accept the detail
outlined in this suitability statement.
Joey Wynne
CEO, Arachas.
Date:
25/08/2025
Arachas Corporate Brokers Limited trading as Arachas, Capital Insurance Markets, Capital IM, Covercentre, Study & Protect, BJP Taxi, ProEx Underwriting is regulated by the Central
Bank of Ireland. Company registration number: 379157. Directors: J. Wynne (CEO), M. Mohan (CFO), C. McCreevy (Chairman), J. McCarthy, C. Brennan, J. Bissett. Deemed authorised
and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Financial Services
Contracts Regime, which allows EEA-based firms to operate in the UK for a limited period to carry on activities which are necessary for the performance of pre-existing contracts, are
available on the Financial Conduct Authority’s website.
Registered Address: 9 Eastgate Avenue, Eastgate Business Park, Little Island, Cork T45 YN92..
