AIFS Insurance & Team Assistance Packages
Included in the fee, AIFS provides a medical and program/tuition refund package, valued at approximately $500, to students studying abroad through its insurance division, Cultural Insurance Services International (CISI). CISI is the leader in providing the most comprehensive insurance coverage to the international education sector, currently providing insurance coverage, travel/technical/medical assistance and claim paying services to more than 100,000 international students and cultural exchange participants worldwide. The package covers you for the duration of your program, plus up to one month of independent travel. Students will receive an individual insurance policy describing the coverage in detail. Please check this carefully as some exclusions and limitations apply - for example pre-existing medical conditions are not covered.
Unlike other plans, the AIFS student plan settles claims abroad, in your host country's respective currency. This facilitates immediate entry to a hospital for treatment. Treatments must of course be documented. The Resident Director helps with administrative matters concerning claims. Each campus has a doctor and infirmary available to handle minor ailments. The Resident Director arranges for students requiring treatment for more serious illnesses and accidents to receive immediate attention from the recommended university doctor and hospital in the area.
Medical and baggage insurance
Coverage is underwritten by the Insurance Company of the State of Pennsylvania., All claims are processed on a fast track basis by CISI staff.
The coverage includes the following:
- Medical expenses while abroad
The insurance covers medical bills up to a maximum of $250,000 for each medically covered illness or accident abroad for up to 52 weeks from the date of such illness or injury. Pre-existing complaints are not covered. Among items covered are treatment by a physician or surgeon, nurse fees, x-rays, ambulance, therapeutic services, operations, drugs and medicines prescribed by a physician, hospital room and board (semi-private accommodations).
- Mental health coverage
The insurance plan covers mental or nervous disorders up to $500 for outpatient treatment or up to $10,000 for inpatient treatment per lifetime. See Plan of Insurance brochure for further details.
- Baggage insurance
Personal effects are covered up to $3,000 with a $50 deductible. Coverage for electronic equipment such as laptops and computers is provided up to $500. Some exclusions apply. Please see the insurance policy for further details
- Medical cancellation insurance
If after any scheduled payment has been made, but before departure, you are prevented from embarking on your trip because of either 1) covered accidental bodily injuries, disease or covered sickness for which you are under the care of a legally qualified physician or surgeon or 2) quarantine at the place of residence or epidemic in the area of travel, the plan will reimburse the insured in full for payments in excess of the non-refundable deposit and application fee of $845 and any flight and housing cancellation fees.
- Return Air fare expense
If you travel on an AIFS College Division flight, this plan will cover the cost up to a maximum of $1,000 of your return air transportation on a regularly scheduled commercial flight (tourist class) to the original AIFS point of departure if you are unable to complete the program for any reason outlined under the Program cancellation insurance. A certificate of illness from a physician, other than a relative or member of your household, is necessary in making claims.
The AIFS insurance program provides participants with a world-wide 24-hour emergency telephone assistance service. Multilingual help and advice may be furnished for the participant in the event of any emergency during the term of coverage. Assistance services include: Medical monitoring, prescription drug replacement/shipment, emergency message transmittals, coverage verification/payment assistance for medical expenses. Travel assistance services include: Obtaining emergency cash, travelers check replacement, lost/delayed luggage tracking, replacement of lost or stolen airline ticket, credit card/passport/important document replacement.
In addition your plan provides for:
- Emergency Medical Evacuation/Repatriation
The Company shall pay benefits for Covered Expenses incurred up to $100,000, if any Injury or covered Illness commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person. The decision for an Emergency Medical Evacuation or Repatriation must be ordered by the Assistance Company in consultation with the Insured Person's local attending Physician.
- Return of Mortal Remains or Cremation
The Company will pay the reasonable Covered Expenses incurred up to $50,000 to return the Insured Person's remains to his/her then current Home Country, if he or she dies.
- Security Evacuation
The Company will pay reasonable covered expenses up to $100,000 in the event of:
- Expulsion from Host Country
- Political or Military Events
- Physical attacks or threats
- Kidnapped or Missing Persons
- 24/7 access to trained security specialists
Advice and intelligence for over 160 countries and 80 cities worldwide
- Personalized security reports
- On the ground physical evacuation response service