Erasmus Mundus External Cooperation Window India4EU

Insurance

General Details

India4EU project provides all beneficiaries with a free insurance coverage. This covers their unexpected medical expenses during their mobility. It also provides accident cover and protects them against some costs arising from civil liabilities.

The insurance scheme is composed as follows:

- health and travel assistance, through a specific EuropAssistance policy

- civil liability provided by INA Assitalia

- personal accident (invalidity and death), provided by INA Assitalia

This coverage also applies during periods of travel during the mobility.

Who is covered?

All India4EU grant holders are provided with the insurance coverages described above. Enrolment in this insurance scheme is automatic for all India4EU scholarship holders and does not involve additional costs for beneficiaries.

You have received an Insurance Declaration with your personal policy details.

What exactly is covered?

India4EU grant holders are insured worldwide. Beneficiaries are not covered for pre-existing conditions, conditions for which treatment can wait until they return home, AIDS, mental illness, or non-urgent dental care.

The insurance contract embraces cover for all of the situations set out in the terms and conditions (see Key Documents below): you are advised to check these documents carefully.

Summary of coverage:

EuropAssistance: Health and Travel Assistance

INA Assitalia: Personal Accident Policy

INA Assitalia: Third Part Liability

How can I contact the insurance companies?

The scheme is paid directly by the India4EU Consortium and does not imply any additional costs for India4EU grant holders.

If you have health problems or a travel inconvenient, you must immediately contact the EuropAssistance Operation Centre directly:

+39 02 58245527 from all countries
800 085883 from Italy only

IMPORTANT: Do not take any action before calling the Operation Centre

If a third part liability case or a personal accident occurs to you while doing your mobility study/work activities, you must contact the Project Coordinator (Politecnico di Torino) by email at emecw@polito.it.

Examples:

1. I feel ill, I need a doctor for a visit. You must contact EuropAssistance.

2. I got hurt, I need to go to the hospital.You must contact EuropAssistance.

3. I have a chronic sickness, I need to take a medical visit or some tests.You must contact EuropAssistance.

4. I am pregnant and I have to take a medical visit or some tests.You must contact EuropAssistance.

5. I am working at the university laboratory for carrying out my mobility activities and an accident occurs to me.You must contact the Project Coordinator.

6. I am working at the university for carrying out my mobility activities and an accident occurs and I damage a laboratory instrument.You must contact the Project Coordinator.

Where am I covered?

The insurance covers all India4EU beneficiaries worldwide against risks related to health, accidents, and civil responsibility while they are participating in the mobility. This means you are covered when you travel to your Host University from your home country, when you attend conferences, research trips or cultural sessions abroad. You are also covered during short trips back to your home country.

When am I covered?

You are covered from the moment when you leave your normal place of residence to go abroad to begin your mobility. The policy is valid while you are abroad until you return home at the end of your mobility period.

Are my partner and children covered?

Beneficiaries' partners, children or other family members are not covered by the India4EU insurance scheme.