AXA
AXA is a travel insurance for the BE market with no online purchase and 24/7 assistance.
Direct payment
AXA reimburses eligible medical expenses after the fact (indemnity basis) subject to the EUR 50 deductible. Repatriation costs are fully covered and organised directly by AXA. There is no confirmed direct-billing network for routine medical treatment abroad.
Geographic scope
BE
Worldwide; assistance and base accident coverage extended to the entire world for trips and stays not exceeding 12 consecutive months
Unique selling points
- Medical expenses covered up to EUR 1,250,000 per insured per claim worldwide – far above statutory minimums – with just a EUR 50 deductible.
- Full repatriation costs entirely covered with on-site medical dispatch when needed, organised 24/7 by Inter Partner Assistance (AXA Group).
- Free 24/7 online medical consultation with Belgian doctors via 'Doctors Online by AXA' – included for all Students Travel policyholders.
- Coverage extended to road traffic accidents and accidents during paid student jobs or fixed-term employment not covered by workers' compensation – a standout inclusion for working students.
- Family bedside visit covered up to EUR 125/night for up to 10 nights if hospitalisation exceeds 5 days – travel and accommodation for one parent fully organised and reimbursed.
Coverage limits
Medical and hospitalisation expenses abroad
Covered
Reimbursement of medical costs incurred abroad (doctor visits, hospitalisation, prescribed medication) following an accident or illness abroad, subject to a EUR 50 deductible, up to EUR 1,250,000 per insured per claim. Coverage extended to road traffic accidents and accidents during paid student work or fixed-term employment not covered by workers' compensation insurance.
SourceEmergency medical treatment abroad
Covered
Emergency medical treatment costs abroad are covered under the medical expenses clause up to EUR 1,250,000 per insured per claim, with EUR 50 deductible. Includes accident and illness arising abroad.
SourceHospitalisation expenses abroad
Covered
Hospitalisation costs abroad are covered under the medical expenses clause up to EUR 1,250,000 per insured per claim, subject to EUR 50 deductible, following accident or illness abroad.
SourceOutpatient treatment abroad
Covered
Outpatient medical consultations and prescribed medications abroad are covered as part of the general medical expenses guarantee up to EUR 1,250,000 per insured per claim, with EUR 50 deductible.
SourceEmergency dental
—
No specific sub-limit for emergency dental found in accessible web sources. Overall medical reimbursement ceiling is 1,250,000 EUR per insured per claim (accident or illness), but a dedicated dental sub-cap is not publicly documented outside the PDF general conditions.
Medical transport and repatriation
Covered
If the insured cannot be treated on-site abroad, all repatriation costs are fully covered. A doctor is sent on-site if necessary.
SourceMedical evacuation
Covered
Full medical evacuation is included when the insured cannot receive adequate treatment on-site abroad. Organised and fully covered by AXA / Inter Partner Assistance.
SourceRepatriation Of Remains
Covered
AXA Assistance organizes and bears the cost of transporting remains from the place of death to the place of burial or cremation in the country of residence. This is a standard included benefit under the assistance coverage.
Search and rescue
Not offered
Search and rescue costs are not mentioned in the Students Travel extension or the confirmed coverage summary. This field is not found in the available official sources.
SourceCOVID-19 medical treatment
Conditional
COVID-19 is classified as a disease (illness) and would be covered under the medical expenses clause up to EUR 1,250,000, subject to the EUR 50 deductible and the general exclusions of the Assistance guarantee in the base Daylife Protect conditions. Explicit COVID-19 coverage is not called out separately in the extension.
SourcePre-existing medical conditions
Excluded
Pre-existing conditions are generally excluded under the base Daylife Protect assistance general conditions, which continue to apply. The Students Travel extension does not introduce any specific coverage for pre-existing conditions.
SourceWinter Sports Cover
Optional
The Daylife Protect Students Travel base coverage does not automatically include winter sports or adventurous activities. Coverage can be extended for such activities via an optional add-on through the broker or insurer.
Adventure sports coverage
Optional
Adventure sports coverage can be extended; confirmed as an optional coverage extension according to the official product distributor information.
SourcePregnancy Complications
Covered
No medical selection is required at subscription (confirmed on axa.be Students Travel FAQ). Acute pregnancy complications arising abroad are treated as urgent medical needs and covered under the medical and hospitalization costs abroad. Routine prenatal care and planned delivery abroad are generally excluded.
Personal liability
Excluded
Personal/civil liability (BA Privéleven or Familiale) is a separate AXA Belgium product and is not part of the Daylife Protect Students Travel extension. Students would need a separate familiale verzekering for personal liability coverage.
Legal assistance
Excluded
Legal assistance (Rechtsbijstand) is offered by AXA Belgium as a separate product (Legal Village). It is not bundled into the Daylife Protect Students Travel extension.
24/7 worldwide assistance
Covered
24/7 assistance services are included, organised by Inter Partner Assistance (AXA Group). Services include coordination of repatriation, provision of emergency transport tickets, hotel advances, cash advances up to EUR 2,500, embassy/consulate contact information, and online medical consultation via Doctors Online by AXA.
SourceKey conditions
Assistance call deadline
The extension does not specify an explicit call deadline before seeking treatment; however, the base Daylife Protect assistance conditions apply. Assistance services must be contacted to organise repatriation and other logistics.
Unauthorized treatment
The base Daylife Protect assistance exclusions remain applicable. Treatment taken without prior authorisation from or coordination by Inter Partner Assistance may not be covered, particularly for repatriation and organised assistance services.
Purchase while abroad
The Students Travel extension must be subscribed before departure or as part of the Daylife Protect contract. Purchasing while already abroad is not confirmed as possible in the official sources.
Chronic conditions
Chronic diseases are not explicitly addressed in the Students Travel extension. The general exclusions of the base Daylife Protect assistance apply, which typically exclude pre-existing or chronic conditions known at time of departure.
Pregnancy
Pregnancy and pregnancy-related medical costs are not explicitly covered or excluded within the Students Travel extension document. Coverage would depend on the base Daylife Protect assistance conditions and applicable exclusions.
pre_existing_conditions
Pre-existing conditions are not covered under the Students Travel extension. The general exclusions of the base Daylife Protect assistance conditions continue to apply, which typically exclude conditions known prior to departure.
coverage_duration_limit
The Students Travel extension is valid for a maximum continuous period of 12 months abroad. The contract is concluded for one year with tacit renewal; the Students Travel extension terminates automatically after one year.
Where to buy
Documents
Daylife Protect – Students Travel IPID Fiche (Dutch, 2018)
ipid
Daylife Protect – extension Students Travel Conditions générales (French, March 2022)
terms_and_conditions
AXA Belgium – Algemene voorwaarden en productfiches portaal (NL)
other
AXA Belgium – Conditions générales et fiches produits portail (FR)
other
Policy specifics
Medical and hospitalization expenses abroad
Reimbursement of medical costs incurred abroad, including doctor visits, hospitalization, and prescribed medications
Baggage loss and document assistance
Assistance services for loss or theft of baggage, travel documents, or money during travel
Trip delay, interruption and cancellation
Coverage for unexpected changes to travel plans including delays, trip interruption, and cancellation
Medical repatriation and emergency evacuation
Covers costs of repatriation to Belgium if the insured cannot be treated abroad and requires emergency evacuation
Family reunion and support visit assistance
Covers travel and accommodation costs for family member(s) to visit insured if hospitalization exceeds 5 days
Online medical consultation service
Free remote medical consultation with Belgian doctors via 'Doctors Online by AXA' service
Age limit for eligibility
Insured must be maximum 30 years old at time of coverage
Maintained residence in Belgium
Insured must maintain principal residence in Belgium while abroad
No permanent employment contract
Insured must not be bound by indefinite employment contract in Belgium or destination country
Maximum continuous travel duration
Insurance extension valid for maximum 12 consecutive months of travel abroad
Medical expense deductible
EUR 50 deductible applies to reimbursement of medical expenses