Compare travel insurance plans: UIC and Crescent Star side by side

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Single trip plans · Schengen · 4 plans

Plan	CStar Comfort	CStar Comfort Plus	UIC Diamond	UIC Gold
Your price	—	—	—	—
Insurer	Crescent Star Insurance	Crescent Star Insurance	United Insurance	United Insurance
Medical cover	USD 50,000	USD 50,000	USD 50,000	USD 50,000
Policy validity	7 to 92 days	7 to 92 days	7 to 365 days	7 to 365 days
Maximum continuous stay	92 days (one trip)	92 days (one trip)	365 days (one trip)	365 days (one trip)
Age limit	Up to 85 Loading from age 66	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66
Family cover	Yes (family rate)	Yes (family rate)	Yes (family rate)	Yes (family rate)
Key benefits	Medical cover: USD 50,000 Accidental death: USD 10000 Emergency dental: not covered Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Accidental death: USD 15000 Emergency dental: USD 600 Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Accidental death: USD 15,000 Dental care: USD 600 Baggage (in-flight loss): USD 500	Medical cover: USD 50,000 Accidental death: USD 10,000 Dental care: USD 600 Baggage (in-flight loss): USD 400
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 600 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 300 In-Flight Loss of Checked in Baggage (subject to airline compensation): 300 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 15000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 50,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 500 Delayed Departure: 500 Compensation for In-Flight Loss of Checked in Baggage: 500 Accidental Death (during travel using recognised means of transport): 15,000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 50,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 300 Delayed Departure: 300 Compensation for In-Flight Loss of Checked in Baggage: 400 Accidental Death (during travel using recognised means of transport): 10,000
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2).	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).
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Annual multi-trip plans · Schengen · 4 plans

Plan	CStar Comfort (Multi Trip)	CStar Comfort Plus (Multi Trip)	UIC Diamond (Multi Trip)	UIC Gold (Multi Trip)
Your price	—	—	—	—
Insurer	Crescent Star Insurance	Crescent Star Insurance	United Insurance	United Insurance
Medical cover	USD 50,000	USD 50,000	USD 50,000	USD 50,000
Policy validity	180 days / 1 year / 2 years	180 days / 1 year	180 days / 1 year	180 days / 1 year / 2 years
Maximum continuous stay	60 days per trip	90 days per trip	92 days per trip	92 days per trip
Age limit	Up to 85 Loading from age 66	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66
Family cover	Yes (family rate)	Yes (family rate)	Yes (family rate)	Yes (family rate)
Key benefits	Medical cover: USD 50,000 Accidental death: USD 10000 Emergency dental: not covered Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Accidental death: USD 15000 Emergency dental: USD 600 Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Accidental death: USD 15,000 Dental care: USD 600 Baggage (in-flight loss): USD 500	Medical cover: USD 50,000 Accidental death: USD 10,000 Dental care: USD 600 Baggage (in-flight loss): USD 400
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 600 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 300 In-Flight Loss of Checked in Baggage (subject to airline compensation): 300 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 15000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 50,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 500 Delayed Departure: 500 Compensation for In-Flight Loss of Checked in Baggage: 500 Accidental Death (during travel using recognised means of transport): 15,000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 50,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 300 Delayed Departure: 300 Compensation for In-Flight Loss of Checked in Baggage: 400 Accidental Death (during travel using recognised means of transport): 10,000
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum of 60 days are covered per trip under multiple trip policies (p.1 Terms & Conditions). Maximum insured age is 85 years (p.2). Multi-trip: single-trip policies are limited to 90 days (wording General Condition 6, p.21); the 180/365/2-year rows are Multiple Trip policies with the per-trip limit in General Condition 7.	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum of 90 days are covered per trip under multiple trip policies (p.1 Terms & Conditions). Maximum insured age is 85 years (p.2). Multi-trip: single-trip policies are limited to 90 days (wording General Condition 6, p.21); the 180/365/2-year rows are Multiple Trip policies with the per-trip limit in General Condition 7.	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).
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Student plans · Schengen · 5 plans

Plan	CStar Secure	UIC Sapphire	CStar Secure Plus	UIC Sapphire Plus	UIC Sapphire Elite
Your price	—	—	—	—	—
Insurer	Crescent Star Insurance	United Insurance	Crescent Star Insurance	United Insurance	United Insurance
Medical cover	USD 50,000	USD 50,000	USD 100,000	USD 100,000	USD 150,000
Policy validity	180 to 730 days	180 to 730 days	180 to 730 days	180 to 730 days	180 to 730 days
Maximum continuous stay	730 days (one trip)	730 days (one trip)	730 days (one trip)	730 days (one trip)	730 days (one trip)
Age limit	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66
Family cover	Individual only	Individual only	Individual only	Individual only	Individual only
Key benefits	Medical cover: USD 50,000 Worldwide / Schengen Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Emergency dental: USD 1,000 Loss of passport: USD 300	Medical cover: USD 100,000 Worldwide / Schengen Deductible on medical & dental: USD 100	Medical cover: USD 100,000 Emergency dental: USD 1,000 Loss of passport: USD 300	Medical cover: USD 150,000 Emergency dental: USD 1,000 Loss of passport: USD 300
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 50,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 100,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 600 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 400 In-Flight Loss of Checked in Baggage (subject to airline compensation): 800 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 25000	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 100,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 150,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2). Student plan age limits are not printed and could not be confirmed on the portal; quoted manually (rating.manual_quote).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2). Student plan age limits are not printed and could not be confirmed on the portal; quoted manually (rating.manual_quote).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).
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Single trip plans · Rest of World · 4 plans

Plan	CStar Economy	UIC Standard	UIC Silver	CStar Economy Plus
Your price	—	—	—	—
Insurer	Crescent Star Insurance	United Insurance	United Insurance	Crescent Star Insurance
Medical cover	USD 10,000	USD 10,000	USD 25,000	USD 50,000
Policy validity	7 to 92 days	7 to 365 days	7 to 365 days	7 to 92 days
Maximum continuous stay	92 days (one trip)	365 days (one trip)	365 days (one trip)	92 days (one trip)
Age limit	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66	Up to 85 Loading from age 66
Family cover	Yes (family rate)	Yes (family rate)	Yes (family rate)	Yes (family rate)
Key benefits	Medical cover: USD 10,000 Accidental death: USD 5000 Emergency dental: not covered Deductible on medical & dental: USD 100	Medical cover: USD 10,000 Accidental death: USD 5,000 Dental care: USD 600 Baggage (in-flight loss): USD 300	Medical cover: USD 25,000 Accidental death: USD 8,000 Dental care: USD 600 Baggage (in-flight loss): USD 400	Medical cover: USD 50,000 Accidental death: USD 10000 Emergency dental: USD 300 Deductible on medical & dental: USD 100
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 10,000 Repatriation in case of illness or accident: N/A Repatriation of Mortal Remains: N/A Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: N/A Travel of one Immediate Family Member: N/A Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 5000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 10,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: N/A Travel of One Immediate Family Member: N/A Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 200 Delayed Departure: 200 Compensation for In-Flight Loss of Checked in Baggage: 300 Accidental Death (during travel using recognised means of transport): 5,000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 25,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: N/A Travel of One Immediate Family Member: N/A Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 200 Delayed Departure: 200 Compensation for In-Flight Loss of Checked in Baggage: 400 Accidental Death (during travel using recognised means of transport): 8,000	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 300 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 100 In-Flight Loss of Checked in Baggage (subject to airline compensation): 400 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2).
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Annual multi-trip plans · Rest of World · 4 plans

Plan	CStar Economy (Multi Trip)	UIC Standard (Multi Trip)	UIC Silver (Multi Trip)	CStar Economy Plus (Multi Trip)
Your price	—	—	—	—
Insurer	Crescent Star Insurance	United Insurance	United Insurance	Crescent Star Insurance
Medical cover	USD 10,000	USD 10,000	USD 25,000	USD 50,000
Policy validity	180 days / 1 year	180 days / 1 year	180 days / 1 year	180 days / 1 year
Maximum continuous stay	60 days per trip	92 days per trip	92 days per trip	60 days per trip
Age limit	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66	Up to 85 Loading from age 66
Family cover	Yes (family rate)	Yes (family rate)	Yes (family rate)	Yes (family rate)
Key benefits	Medical cover: USD 10,000 Accidental death: USD 5000 Emergency dental: not covered Deductible on medical & dental: USD 100	Medical cover: USD 10,000 Accidental death: USD 5,000 Dental care: USD 600 Baggage (in-flight loss): USD 300	Medical cover: USD 25,000 Accidental death: USD 8,000 Dental care: USD 600 Baggage (in-flight loss): USD 400	Medical cover: USD 50,000 Accidental death: USD 10000 Emergency dental: USD 300 Deductible on medical & dental: USD 100
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 10,000 Repatriation in case of illness or accident: N/A Repatriation of Mortal Remains: N/A Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: N/A Travel of one Immediate Family Member: N/A Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 5000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 10,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: N/A Travel of One Immediate Family Member: N/A Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 200 Delayed Departure: 200 Compensation for In-Flight Loss of Checked in Baggage: 300 Accidental Death (during travel using recognised means of transport): 5,000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 25,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: N/A Travel of One Immediate Family Member: N/A Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 200 Delayed Departure: 200 Compensation for In-Flight Loss of Checked in Baggage: 400 Accidental Death (during travel using recognised means of transport): 8,000	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 300 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 100 In-Flight Loss of Checked in Baggage (subject to airline compensation): 400 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum of 60 days are covered per trip under multiple trip policies (p.1 Terms & Conditions). Maximum insured age is 85 years (p.2). Multi-trip: single-trip policies are limited to 90 days (wording General Condition 6, p.21); the 180/365/2-year rows are Multiple Trip policies with the per-trip limit in General Condition 7.	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum of 60 days are covered per trip under multiple trip policies (p.1 Terms & Conditions). Maximum insured age is 85 years (p.2). Multi-trip: single-trip policies are limited to 90 days (wording General Condition 6, p.21); the 180/365/2-year rows are Multiple Trip policies with the per-trip limit in General Condition 7.
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Student plans · Rest of World · 5 plans

Plan	CStar Secure	UIC Sapphire	CStar Secure Plus	UIC Sapphire Plus	UIC Sapphire Elite
Your price	—	—	—	—	—
Insurer	Crescent Star Insurance	United Insurance	Crescent Star Insurance	United Insurance	United Insurance
Medical cover	USD 50,000	USD 50,000	USD 100,000	USD 100,000	USD 150,000
Policy validity	180 to 730 days	180 to 730 days	180 to 730 days	180 to 730 days	180 to 730 days
Maximum continuous stay	730 days (one trip)	730 days (one trip)	730 days (one trip)	730 days (one trip)	730 days (one trip)
Age limit	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66
Family cover	Individual only	Individual only	Individual only	Individual only	Individual only
Key benefits	Medical cover: USD 50,000 Worldwide / Schengen Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Emergency dental: USD 1,000 Loss of passport: USD 300	Medical cover: USD 100,000 Worldwide / Schengen Deductible on medical & dental: USD 100	Medical cover: USD 100,000 Emergency dental: USD 1,000 Loss of passport: USD 300	Medical cover: USD 150,000 Emergency dental: USD 1,000 Loss of passport: USD 300
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 50,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 100,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 600 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 400 In-Flight Loss of Checked in Baggage (subject to airline compensation): 800 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 25000	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 100,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 150,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2). Student plan age limits are not printed and could not be confirmed on the portal; quoted manually (rating.manual_quote).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2). Student plan age limits are not printed and could not be confirmed on the portal; quoted manually (rating.manual_quote).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).
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Single trip plans · Worldwide (incl. USA/Canada/Australia) · 5 plans

Plan	CStar Smart	UIC Gold Plus	CStar Smart Plus	UIC Platinum	UIC Titanium
Your price	—	—	—	—	—
Insurer	Crescent Star Insurance	United Insurance	Crescent Star Insurance	United Insurance	United Insurance
Medical cover	USD 50,000	USD 50,000	USD 100,000	USD 100,000	USD 150,000
Policy validity	7 to 92 days	7 to 365 days	7 to 92 days	7 to 365 days	7 to 365 days
Maximum continuous stay	92 days (one trip)	365 days (one trip)	92 days (one trip)	365 days (one trip)	365 days (one trip)
Age limit	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66
Family cover	Yes (family rate)	Yes (family rate)	Yes (family rate)	Yes (family rate)	Yes (family rate)
Key benefits	Medical cover: USD 50,000 Accidental death: USD 10000 Emergency dental: not covered Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Accidental death: USD 10,000 Dental care: USD 600 Baggage (in-flight loss): USD 400	Medical cover: USD 100,000 Accidental death: USD 25000 Emergency dental: USD 600 Deductible on medical & dental: USD 100	Medical cover: USD 100,000 Accidental death: USD 25,000 Dental care: USD 600 Baggage (in-flight loss): USD 1,000	Medical cover: USD 150,000 Accidental death: USD 25,000 Dental care: USD 600 Baggage (in-flight loss): USD 1,000
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 50,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 300 Delayed Departure: 300 Compensation for In-Flight Loss of Checked in Baggage: 400 Accidental Death (during travel using recognised means of transport): 10,000	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 100,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 600 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 400 In-Flight Loss of Checked in Baggage (subject to airline compensation): 800 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 25000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 100,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: Unlimited Loss Of Credit Card: 2,000 Delayed Departure: 1,000 Compensation for In-Flight Loss of Checked in Baggage: 1,000 Accidental Death (during travel using recognised means of transport): 25,000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 150,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: Unlimited Loss Of Credit Card: 2,000 Delayed Departure: 1,000 Compensation for In-Flight Loss of Checked in Baggage: 1,000 Accidental Death (during travel using recognised means of transport): 25,000
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).
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Annual multi-trip plans · Worldwide (incl. USA/Canada/Australia) · 5 plans

Plan	CStar Smart (Multi Trip)	UIC Gold Plus (Multi Trip)	CStar Smart Plus (Multi Trip)	UIC Platinum (Multi Trip)	UIC Titanium (Multi Trip)
Your price	—	—	—	—	—
Insurer	Crescent Star Insurance	United Insurance	Crescent Star Insurance	United Insurance	United Insurance
Medical cover	USD 50,000	USD 50,000	USD 100,000	USD 100,000	USD 150,000
Policy validity	180 days / 1 year	180 days / 1 year / 2 years	180 days / 1 year	180 days / 1 year	180 days / 1 year
Maximum continuous stay	60 days per trip	92 / 180 days per trip	90 days per trip	92 / 180 days per trip	92 / 180 days per trip
Age limit	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66
Family cover	Yes (family rate)	Yes (family rate)	Yes (family rate)	Yes (family rate)	Yes (family rate)
Key benefits	Medical cover: USD 50,000 Accidental death: USD 10000 Emergency dental: not covered Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Accidental death: USD 10,000 Dental care: USD 600 Baggage (in-flight loss): USD 400	Medical cover: USD 100,000 Accidental death: USD 25000 Emergency dental: USD 600 Deductible on medical & dental: USD 100	Medical cover: USD 100,000 Accidental death: USD 25,000 Dental care: USD 600 Baggage (in-flight loss): USD 1,000	Medical cover: USD 150,000 Accidental death: USD 25,000 Dental care: USD 600 Baggage (in-flight loss): USD 1,000
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 50,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: N/A Loss Of Credit Card: 300 Delayed Departure: 300 Compensation for In-Flight Loss of Checked in Baggage: 400 Accidental Death (during travel using recognised means of transport): 10,000	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 100,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 600 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 400 In-Flight Loss of Checked in Baggage (subject to airline compensation): 800 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 25000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 100,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: Unlimited Loss Of Credit Card: 2,000 Delayed Departure: 1,000 Compensation for In-Flight Loss of Checked in Baggage: 1,000 Accidental Death (during travel using recognised means of transport): 25,000	Schedule of Benefits (USD) Medical Expenses, Hospitalization Abroad & COVID-19: 150,000 Transport or Repatriation in case of illness or Accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Dental Care: 600 Repatriation of Family Member Travelling with Insured: Actual Expenses Travel of One Immediate Family Member: 100/Day-Max 1,000 Delivery of Medicines: Actual Expenses Relay of Urgent Messages: Unlimited Long Distance Medical Information Service: Unlimited Medical Referral / Appointment of Local Medical Specialist: Actual Expenses Connections Services: Unlimited Loss Of Credit Card: 2,000 Delayed Departure: 1,000 Compensation for In-Flight Loss of Checked in Baggage: 1,000 Accidental Death (during travel using recognised means of transport): 25,000
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum of 60 days are covered per trip under multiple trip policies (p.1 Terms & Conditions). Maximum insured age is 85 years (p.2). Multi-trip: single-trip policies are limited to 90 days (wording General Condition 6, p.21); the 180/365/2-year rows are Multiple Trip policies with the per-trip limit in General Condition 7.	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum of 90 days are covered per trip under multiple trip policies (p.1 Terms & Conditions). Maximum insured age is 85 years (p.2). Multi-trip: single-trip policies are limited to 90 days (wording General Condition 6, p.21); the 180/365/2-year rows are Multiple Trip policies with the per-trip limit in General Condition 7.	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).	Show Not covered for travel to: Afghanistan, Cuba, Israel Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Excess per claim by age: 0-70 USD 100, 71-85 USD 150, 86-90 USD 300 (p.2). Maximum insurable age 90: the premium loadings and excess table stop at 90 and no price is printed above it (p.1, p.2).
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Student plans · Worldwide (incl. USA/Canada/Australia) · 5 plans

Plan	CStar Secure	UIC Sapphire	CStar Secure Plus	UIC Sapphire Plus	UIC Sapphire Elite
Your price	—	—	—	—	—
Insurer	Crescent Star Insurance	United Insurance	Crescent Star Insurance	United Insurance	United Insurance
Medical cover	USD 50,000	USD 50,000	USD 100,000	USD 100,000	USD 150,000
Policy validity	180 to 730 days	180 to 730 days	180 to 730 days	180 to 730 days	180 to 730 days
Maximum continuous stay	730 days (one trip)	730 days (one trip)	730 days (one trip)	730 days (one trip)	730 days (one trip)
Age limit	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 85 Loading from age 66	Up to 90 Loading from age 66	Up to 90 Loading from age 66
Family cover	Individual only	Individual only	Individual only	Individual only	Individual only
Key benefits	Medical cover: USD 50,000 Worldwide / Schengen Deductible on medical & dental: USD 100	Medical cover: USD 50,000 Emergency dental: USD 1,000 Loss of passport: USD 300	Medical cover: USD 100,000 Worldwide / Schengen Deductible on medical & dental: USD 100	Medical cover: USD 100,000 Emergency dental: USD 1,000 Loss of passport: USD 300	Medical cover: USD 150,000 Emergency dental: USD 1,000 Loss of passport: USD 300
Full schedule of benefits	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 50,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: N/A Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): N/A In-Flight Loss of Checked in Baggage (subject to airline compensation): N/A Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 10000	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 50,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured	Schedule of Benefits (USD) Medical Expenses in Hospital Abroad: 100,000 Repatriation in case of illness or accident: Actual Expenses Repatriation of Mortal Remains: Actual Expenses Emergency Dental Care: 600 Deductible on Medical & Dental: 100 Return of dependent children: Actual Expenses Travel of one Immediate Family Member: 100/Day-Max 1000 Relay of urgent Messages: Unlimited Long Distance Medical Information Services: Unlimited Medical Referral: Actual Expenses 24/7 World Wide Assistance Services: Included Loss of Passport (Excess $ 25 each & every loss): 400 In-Flight Loss of Checked in Baggage (subject to airline compensation): 800 Covid Cover (T & C apply): US$ 2000 Accidental Death (during travel using recognized means of transport, deductible $ 100): 25000	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 100,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured	Student Plan Benefits (USD) Medical Expenses for Sickness & hospitalization Abroad: 150,000 (Excess $ 150) Emergency Dental Care: 1,000 Travel of One Immediate Family Member: 5,000 Repatriation of Mortal Remains: Actual Expenses Transport or Repatriation in case of Illness or Accident: Actual Expenses Loss of Passport: 300 Loss In-Flight of Checked in Baggage: 500 Accidental Death: 100% of Principal Sum Insured Permanent Total Disability: 100% of Principal Sum Insured
Exclusions & conditions	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2). Student plan age limits are not printed and could not be confirmed on the portal; quoted manually (rating.manual_quote).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).	Show All pre-existing medical conditions are not covered (p.1 Terms & Conditions). COVID-19: only medical expenses in a hospital abroad; self/hotel/home quarantine not covered; USD 100 deductible; negative test taken within 96 hours before travel required; treatment covered up to age 70 only (p.1). Note: 4% extra premium will be charged in case of Non-Filer (p.1). Maximum insured age is 85 years (p.2). Student plan age limits are not printed and could not be confirmed on the portal; quoted manually (rating.manual_quote).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).	Show Not covered for travel to: Afghanistan, Cuba, Israel, Canada, Australia Pre-existing conditions are not covered (p.2). Excluded countries: Afghanistan, Cuba, Israel, Pakistan (p.2). Declaration: the traveller is not travelling to receive medical treatment, diagnosis or consultation (p.2). Territory: worldwide except the countries above. The portal's student country list omits Canada and Australia (and Afghanistan, Cuba, Israel, Pakistan); USA and UK are included (checked 2026-10-03). Ages: the portal prices student plans at any age with the standard UIC age loadings (checked 2026-10-03). Individual cover only (family disabled on the portal).
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Plan details are taken from each insurer’s published brochure and policy wording as loaded in the TravelConcern quote engine (the page reference is given in each condition). Prices shown after you add a trip are TravelConcern’s prices; the final premium is confirmed on the quote page. Always read the policy wording before you buy.

What this tool does

TravelConcern sells the travel insurance plans of two Pakistani insurers, United Insurance Company (UIC) and Crescent Star Insurance (CStar). This page puts every plan they publish side by side, taken from their rate sheets and policy wordings, so you can see the real differences before you choose: how much medical cover, how long the policy can run, how long one trip can be, who is too old for it, whether there is a family rate, and what is excluded. Add your trip and the price of each plan appears in the table.

How to use it

Pick the destination zone: Schengen; Rest of World (Türkiye, the Gulf, the UK, Asia, Africa, most of the Americas); or Worldwide for any trip that includes the USA, Canada, Australia or New Zealand.
Pick the plan type: single trip, annual multi-trip, or student (long continuous stays).
Read the rows. “Show” under Exclusions & conditions opens the insurer’s own wording with its page reference; Full schedule of benefits lists every benefit line.
To see prices, open Add your trip to see prices, enter the destination, dates and dates of birth, and press Show prices. Choosing a destination switches the zone for you; plans outside your zone show no price.

What the differences mean

Medical cover is the insurer’s maximum for emergency treatment abroad. Schengen visas need at least EUR 30,000; UK, US and Gulf visas set no fixed minimum but treatment there is expensive. Plans range from USD 10,000 (Standard, Economy) to USD 150,000 (Titanium, Sapphire Elite).
Policy validity is the range of trip lengths a single-trip plan is sold for. Crescent Star single-trip plans run 7 to 92 days; UIC Schengen and Rest of World plans run 7 to 365 days; UIC Worldwide plans add 180- and 272-day options.
Maximum continuous stay is the longest one trip can be. For single-trip plans it equals the longest bracket. For annual plans it is the per-trip limit: 60 or 90 days on Crescent Star annual plans, 92 days on UIC annual plans, with a 180-day option on UIC Gold Plus and Platinum (Worldwide).
Age limit: Crescent Star insures up to 85, UIC up to 90 (86–90 by manual quote). Both load the premium from age 66. Crescent Star also limits COVID-19 treatment cover to age 70 and sets a higher excess per claim for older travellers at UIC (USD 150 at 71–85, USD 300 at 86–90).
Family cover means a single family rate exists for the plan (two parents and up to four children under 18). Student plans are individual only.
Exclusions you will see on every plan: pre-existing medical conditions, travel to receive treatment, and (for UIC) travel to Afghanistan, Cuba and Israel. Crescent Star charges 4% extra for income-tax non-filers.

Example

Someone going to Spain for 20 days for a Schengen visa compares the four Schengen single-trip plans. All four carry USD 50,000 medical cover, so all satisfy the visa. The differences are in the extras (dental, baggage, accidental death limits), the age ceiling (85 vs 90) and the price for a 21-day bracket, which the table shows once the trip is entered. A traveller aged 87 can only use UIC, and only by manual quote, which the table and the cost calculator both say rather than hiding the plan.

Frequently asked questions

Which insurer is better, UIC or Crescent Star?

Neither across the board. Crescent Star is often cheaper on short Rest of World trips and sells annual plans with a 90-day per-trip option; UIC insures older travellers (to 90), offers longer single-trip policies (365 days) and higher cover tiers (USD 150,000). Compare the row that matters for your trip.

Is USD 50,000 enough for a Schengen visa?

Yes. The Visa Code minimum is EUR 30,000; USD 50,000 is comfortably above it at any recent exchange rate. The Schengen insurance checker covers the other conditions (whole stay, all member states, repatriation).

Why is a plan missing when I pick the Student type?

Student plans (UIC Sapphire family, Crescent Star Secure family) are not zone-specific and are sold for 180 to 730 days only. They appear under every zone with the Student filter, and they are priced for dated trips of any length if the dates fit.

Where do the benefit figures come from?

From each insurer’s published brochure and policy wording as loaded in the TravelConcern quote engine; each condition carries its page reference. TravelConcern does not add or change benefits.

Does the comparison show prices without my details?

No. Prices depend on the dates, destination and ages, so the price row stays empty until you add a trip. No contact details are needed for that.

Limitations and sources

The tables reflect the plans currently published and active in the TravelConcern rate tables; plans an insurer withdraws disappear from here when the tables are updated. Benefit wordings are summarised from the brochures; the policy wording you receive with the policy is the contract. Always read it before travelling.

Sources (checked 10 October 2026): United Insurance Company of Pakistan · Crescent Star Insurance · EU Visa Code, Article 15 (travel medical insurance)