Ireland Interns Insurance
Essential Cover for Interns, Trainees and Placement Participants in Ireland
Protection designed for eligible international interns, trainees or placement participants travelling to Ireland for a first registration internship, traineeship or recognised work placement. This route is not designed for ordinary employment, freelance work, contractor work, job seeking, IRP renewals, second/subsequent registrations, manual work, employer liability or private medical insurance needs.
这是 医疗费用旅行保险单 that includes emergency medical and repatriation cover, hospital benefit, personal accident, personal liability, rearrangement before departure, and a defined death during a trip benefit, all subject to the policy wording, limits, eligibility criteria, exclusions and excess.
购买前您需要了解的一切
包含内容
This Multirisk policy is built around the protections eligible interns, trainees and placement participants are most likely to need during a first registration stay in Ireland: emergency medical support, repatriation, defined accident and liability benefits, and limited rearrangement support before departure.
紧急医疗费用
覆盖符合条件的紧急医疗救治、遣返及相关费用，最高赔付金额可达 10,000,000 欧元。.
遣返支持
如果医疗上确有必要，本保单将负责支付符合条件的遣返费用及相关的紧急安排费用。.
紧急牙科
紧急牙科治疗所产生的即时止痛费用可获得最高300欧元的赔付，具体视保单条款而定。.
住院福利
每次连续住院满24小时可获20欧元赔偿，最高不超过100欧元，招保就医可享有此就医福利。.
人身意外
保单条款和条件规定，包含最高 25,000 欧元的个人意外伤害保障。.
个人责任
Personal liability cover is included up to EUR 2,000,000, with accidental loss of or damage to property covered up to EUR 500, subject to exclusions and excess. This is not employer liability or professional liability cover.
出发前的重新安排
如果您的行程在开始前因承保原因需要重新安排，保单可承担符合条件的额外费用，最高可达 1,000 欧元。.
旅途中的死亡
根据保单计划和条款，若在旅途中发生身故，可获得最高 20,000 欧元的固定给付。.
支持运作方式
This policy includes practical support when an intern, trainee or placement participant needs help, whether the situation is urgent, medical, or requires follow-up documentation for reimbursement.
24/7 紧急援助
如果可能出现严重疾病或伤害需要住院，或需要遣返，应尽快联系紧急援助服务。.
数字医生远程医疗
Eligible participants can access complimentary Digital Doctor support by telephone, video, and chat, in multiple languages, for suitable medical issues and guidance on next steps.
医院还是诊所？
For hospitalisation, direct billing may be arranged once authorised. For most non-hospital treatment, the insured person usually pays first and then requests reimbursement with the required documents.
索赔与报销
To support a claim, keep invoices, receipts, medical reports, and proof of payment. Claims should be submitted as soon as possible after the incident.
购买前须知
This policy is designed for eligible international interns, trainees or placement participants travelling to Ireland for an internship, traineeship or recognised work placement and intended for first registration. It is not presented for IRP renewals, second/subsequent registrations, ordinary employment, freelance work, contractor work, job seeking or manual work. An excess of EUR 80 applies to eligible claims under certain sections, in line with the policy wording.
非私人医疗保险
这不是私人医疗保险。它旨在应对您在国外期间发生的需要紧急治疗的意外或突发的严重疾病。.
既往病史
除非保单条款明确列出了可接受的医疗状况，否则既往病症不在保障范围内。.
Visa, Age and Online Route Requirements
The insured person must hold the required visa or immigration permission for the full insurance period. This online route is available for applicants aged 18 to 74 on the date they arrive in Ireland.
母国和时机规则
在原住国没有承保。假期仅在保单有效期内连续承保最多 21 天。如果保单是在旅行已经开始后购买的，并且之前没有连续承保，则适用 14 天的等待期。.
Internship and Manual Work
Paid and unpaid internships may be eligible if they meet the policy definition and are part of an eligible international programme, traineeship or recognised placement. Manual work, construction, machinery, power tools, electrical work, lifting and work at height are not accepted for this route.
Not Work Insurance
This route is not for ordinary employment, job seeking, freelance work, contractor work, employer liability, professional liability or workplace accident insurance needs.
数字医生
Digital Doctor is a useful extra support service included with the policy, giving insured participants faster access to medical guidance for suitable everyday health concerns.
简单的医疗问题
可用于治疗头痛、呼吸道症状、过敏、耳痛、腹泻和呕吐、感冒症状等常见问题。.
多种语言
Support is available in English, Italian, Spanish, and German.
更快的咨询服务
The service helps insured participants get medical guidance faster and may reduce the need for unnecessary visits or long waits.
需要时提供面对面护理
If the case cannot be resolved remotely, the insured person is guided to the nearest appropriate medical centre for in-person treatment.
常见问题解答
Quick answers to the most common questions about how this Multirisk cover works for eligible interns, trainees and placement participants, its key limitations, and what may be needed if a claim has to be made.
What does this medical expenses travel insurance cover?
It covers Multirisk benefits including rearrangement, emergency medical and repatriation, emergency dental, hospital benefit, personal accident, personal liability, and death during a trip, subject to the policy wording and eligibility criteria.
这项保险是用于紧急情况还是常规医疗保健？
This policy is designed mainly for unexpected emergencies and defined travel-related benefits. It is not private medical insurance or routine healthcare cover.
Is this route suitable for paid internships?
Paid and unpaid internships may be eligible if they meet the policy definition of internship and form part of an eligible international programme, traineeship or recognised placement. Manual work and ordinary employment are not accepted for this route.
Is manual work covered?
No. This route is not available for internships, traineeships or placements involving manual work, construction, machinery, power tools, electrical work, lifting or work at height.
Is this work insurance or employer liability cover?
No. This is not work insurance, employer liability cover, professional liability cover or workplace accident insurance. It is medical expenses travel insurance for eligible international interns, trainees or placement participants travelling for an internship, traineeship or recognised placement.
是否包含数字医生？
Yes. Digital Doctor is included as a complimentary support service with the policy. Insured participants can access medical guidance by telephone, video, or chat in multiple languages for suitable non-emergency issues. If hospital treatment or repatriation may be needed, emergency assistance should be contacted as soon as possible.
Is this route for first registration only?
Yes. This route is intended for eligible interns, trainees or placement participants travelling to Ireland for a first registration internship, traineeship or placement period. It should not be presented for IRP renewals, second/subsequent registrations, extensions or repeat applications.
是否承保既往病症？
一般不包括。只有在保单条款的可接受医疗条件列表中明确列出的情况下才予以涵盖。.
该保险是否包含行李、个人物品或行程取消险？
不。本页面仅关注多重风险。其中包括出发前的行程变更，但不包括行李险、随身物品险或出发前取消险。.