Included in the fee, AIFS provides a medical and program/tuition refund package 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 150,000 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 after the program. AIFS regularly reviews and updates
the insurance package and the details below are subject to change. Please see the AIFS website for the latest
information. 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
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 campus has access to a doctor 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 provided by the ACE American Insurance Company . 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
- 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 prior to departure
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, tuition and housing cancellation fees.
- Return Air fare expense
If you travel on an AIFS Study Abroad
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.