AIFS Study Abroad Program Details

AIFS Insurance & Team Assistance Packages

Included in the program fee, AIFS provides a medical and limited program/tuition package to its study abroad students through our insurance provider Cultural Insurance Services Intíl (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. 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 covered up to $500.

Medical and baggage insurance
Unlike other plans, the AIFS student plan settles claims abroad, in your host countryís respective currency. This facilitates immediate access to treatment. Treatments must of course be documented. The Resident Director helps with administrative matters concerning claims. 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.

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. Insured participants have no more than 52 weeks from the date or such illness or injury to incur costs and to submit a claim. Pre-existing complaints are covered up to a maximum of $500 only. 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 $2,500 for outpatient treatment or up to $10,000 for inpatient treatment per lifetime. See Plan of Insurance brochure for further details.

  • Baggage insurance
    Personal property is covered up to $3,000 with a $0 deductible. Electronic equipment to include laptops are covered up to $250. Some exclusions apply. Please see the Plan of Insurance for further details

Immunizations
Students should contact their doctor or Board of Health to see if immunizations are needed.

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 replacement.

In addition your plan provides for:

  • Emergency Medical Evacuation/Repatriation
    The Company shall pay benefits for Covered Expenses incurred up to $250,000, 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.

  • Repatriation of Mortal Remains or Cremation
    The Company will pay the reasonable Covered Expenses incurred up to $250,000 to return of an Insured Personís body to his or her home if he or she dies while traveling outside of his or her Home Country or Permanent Residence.

  • Trip Delay Benefit
    The Company will pay covered expenses of up to $2,500 limited to $250 per day up to 10 days if a studentís trip is delayed for more than 12 hours. (Covered reasons are outlined in the brochure.)

  • Security Evacuation Benefit
    The Company shall pay benefits up to $100,000 in the event of specified occurrences such as natural disaster, political unrest and physical threats. To view the policy details and download a brochure go to www.culturalinsurance.com/cisi_forms.asp.