LAL is able to provide insurance at its school in the South Africa – the conditions are set out below.
South Africa
Adult Courses
LAL Cape Town
LAL insurance offers cover for students attending all its adult English courses at LAL Cape Town.
However, it is possible to buy the cover on or after arrival though students will not be able to make a claim in retrospect. For example, if a student loses their bags before they arrive, they will not be able to claim for this if they take out insurance AFTER the loss or incident. The same is valid for any health issues which start before the cover is purchased.
Young Learners
LAL Cape Town
LAL offers insurance to all students who attend Young Learner courses at LAL Cape Town (South Africa). This is included in the package prices. Adults who are accompanying the students on the course, whether they are parents or group leaders, are also included. However, it is the responsibility of the student or the parent or legal guardian to make sure that the insurance provision we offer is adequate for their needs. LAL takes no responsibility for any assumption of cover and you must check the cover provision before travelling.
You can find the summary of cover here.
FAQs
- There are further Frequently Asked Questions relating to travel and medical insurance at here
Why should I choose LAL’s insurance?
LAL Language Centres has negotiated favourable premiums for its students with the insurance provider CareMed. They have comprehensive knowledge and practical experience in the field of International Education and Insurance.
Is the cover sufficient for my needs?
This is a question that only you can answer. The cover offered is quite comprehensive and full details can be seen on our download section.
When does the cover start?
The cover starts as soon as your personal details (Full name as shown on passport, Date of Birth, Residential Address in your home country and the start and end dates of your travels) and full payment has been received by LAL Cape Town.
What happens if I have to cancel before my trip?
Trip cancellation insurance cannot be provided regardless of the reason for cancelling your trip.
Can I claim if my luggage is lost by the airline?
The insurance covers personal travel necessities that you take with you on your trip as well as gifts and souvenirs that you acquire during the trip.
How do I claim?
If you have a claim to make you will need to contact CareMed by following this link. LAL can offer assistance in completing the form but cannot enter into any other representation on your behalf. It must be understood that LAL Language Centres is not the insurance underwriter and is not responsible for the outcome of the claim. It is essential that you read through the policy document before making a claim to establish that your claim meets the provision of cover.
Does having insurance through LAL mean I won’t have to pay anything if I am ill or have to see a doctor?
Not necessarily. Depending on the cost, you may have to pay for the service from a doctor or the hospital in advance and claim this amount back from the insurance company later. This is all subject to a successful claim.
What is a deductible excess charge?
It is the amount of money that the policy holder (you) will have to pay towards the costs of the claim. The insurance policy provided by LAL has a EUR0 excess/deductible which means you will receive the full amount of of the claim should it be successful.
If I take a holiday during my studies, does the insurance cover me for that?
Yes, the policy will cover you , as long as this is within the duration of your stay.
If I am paying for the adult insurance and I am not staying for a full week do I have to pay the full amount?
The minimum cover is 2 weeks regardless of your length of stay. As a minimum, LAL will charge you for 2 whole weeks regardless of the length of your trip when you purchase insurance through LAL. Any part week thereafter will also be charged as a full week.
When does the cover end?
The insurance will cover you until midnight on the cover end date.
Insurance and Limitation of Liability
You must arrange suitable insurance in respect of travel and medical risks and may be required to provide evidence to LAL Cape Town of adequate insurance at least seven days before the Start Date or at any point in time thereafter throughout the duration of your Course.
It is always the responsibility of students to satisfy themselves that the provision of insurance is adequate to meet their individual needs. This also applies to students who are supplied insurance whether paid or unpaid as a consequence of booking a course at LAL Cape Town.
LAL Cape Town shall not have any liability to you for any loss of possessions, injury, death, costs related to medical or dental treatment, or costs related to repatriation or for any other losses, damages (whether direct or indirect), compensation, costs or expenses unless negligence can be proved in a court of law in the jurisdiction of the Supplier School.
LAL Cape Town shall not have any liability to you for any loss, damage, costs, expenses or other claims for compensation arising from any information or instructions supplied by you which is, or are incomplete, incorrect or inaccurate. Where the Supplier School incurs costs due to incomplete, incorrect or inaccurate information, the student will be liable for these extra costs.
Please see our Terms and Conditions for more information on “Insurance and Limitation of Liability”.
COVID-19
LAL Cape Town’s insurance provider CareMed will include medical cover for COVID-19 but will not include any travel cancellation costs for COVID-19, as it is no longer an unexpected event. This means that costs incurred to extend accommodation due to isolating or quarantine will also not be covered by insurance and will be the responsibility of the student. COVID-19: The Supplier strongly urges You to satisfy Yourself that Your insurance policies are adequate in the event of cancellations related to COVID-19.