GuardMe Multi-Risk Premium: coverage details
Last updated: May 6, 2026
GuardMe Multi-Risk Premium: €10M medical, €2M liability. Direct billing, no excess, wide pre-existing coverage. Cancellable only before policy start.
GuardMe's medical-focused policy for international students.
Best for
Extensive medical coverage with access to private facilities. Suits cases where home insurance or European Health Insurance Card (EHIC) isn't enough.
Coverage
Key features
- Direct billing for inpatient.
- Pre-arranged direct billing for outpatient.
- No excess on claims.
- Wide pre-existing conditions covered.
- Worldwide policy (any origin, any destination).
- 21-day leisure trip coverage to neighboring countries during the study period.
Cancellation policy
Pre-policy: cancellations and refunds allowed before policy start date.
Active policy: not cancellable, not refundable.