The AIFS Protection Plan (included in
the program fee) provides the most
comprehensive medical and program/
tuition refund package available to
students studying abroad. The plan
is administered by Cultural Insurance
Services International (CISI). CISI is
the leader in providing insurance coverage to the international education
sector, currently providing insurance coverage, travel/technical/
medical assistance and claim paying services to more than
150,000 international students and cultural exchange participants
worldwide. It covers you for the duration of your program, plus up
to one month of independent travel after the program. 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.
Medical and baggage insurance
Coverage is provided by the ACE
American Insurance Company. All claims are processed on a fast
track basis by CISI staff. Unlike other plans, the AIFS student plan
settles claims abroad, in your host countryís 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 location works closely with local doctors and clinics available to handle minor ailments and with local hospitals for more serious medical care. The Resident Director arranges for students requiring treatment for more serious illnesses and accidents to receive immediate attention from the recommended doctor and hospital in the area.
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). Unlike
other plans, the AIFS student plan settles claims abroad,
in your host countryís 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 location works closely with local doctors and clinics available to handle minor ailments and with local hospitals for more serious medical care. The Resident Director arranges for students requiring treatment for more serious illnesses and accidents to receive immediate attention from the recommended doctor and hospital in the area.
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.
Personal effects are covered up to
$1,000 with a $50 deductible. Electronic equipment to include
laptops are covered up to $500. Some exclusions apply.
Please see the Plan of Insurance 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 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 for payments
in excess of the non-refundable deposit and application fee of
$395 to a maximum benefit of $3,000.
Return Air fare expense
If you travel on an AIFS 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, traveler
check replacement, lost/delayed luggage tracking, replacement of
lost or stolen airline ticket, credit card/passport/important document
In addition your plan provides for:
Emergency Medical Evacuation/Repatriation
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 Personís 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 Personís remains to his/her then current
Home Country, if he or she dies.
The Company shall pay benefits
up to $100,000 in the event of specified occurrences such as
political unrest and physical threats. To view the policy details
and download a brochure go to www.culturalinsurance.com/cisi_forms.asp.