no matter how far you travel we’re therecustomized plans that provide a full array of options to...

EMERGENCY MEDICAL SECURITY

No matter how far you travel...

We’re there...

www.m y C I S I . c om 1

For nearly two decades, Cultural

Insurance Services International

(CISI) has offered the most

comprehensive insurance coverage

to the international education

market. We provide insurance

coverage, travel/technical/medical

assistance and claim paying

services to more than 150,000

study abroad students and cultural

exchange participants worldwide.

CISI has access to both the

domestic and international

insurance markets, and has

extensive experience providing

international travelers with

insurance plans. CISI prides itself

on exceptional customer service

and insurance plans designed

specifically for students and cultural

exchange participants.

So no matter where you choose to

study, travel, visit or tour, we’ve got

you covered.

Contents 2 Choose Peace of Mind ; Choose CISI

4 Dedicated Staff Support and Services

5 Emergency Travel Assistance

6 Worldwide Coverage

8 Coverage for Study Abroad Programs

10 Coverage for Inbound U.S. Programs

12 Security Benefit and Features

14 Security Services

16 myCISI : Easy-to-Use Online Tools

�“�CISI�has�been�outstanding�to�work�with.��Their�communication�is�proactive�and�their�plans�are�clearly�designed�with�the�study�abroad��experience�in�mind.”

—Univers i ty of St . Thomas

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Customized Solutions Priced to Fit your Budget

Expertise in medical, property and liability insurance as well as travel assistance plans is unique in the industry. We work with you to meet your specific needs, addressing your concerns and designing creative solutions.

Our relationships with financially stable insurance carriers, all rated A or better by A.M. best, permit us to design the wide-ranging coverage your program requires, coupled with fair and accurate pricing that your budget demands.

Customer Service and Expertise You Can Count On

Insurance options can be overwhelming; that’s why CISI is proud to have built a renowned reputation in the marketplace for superior customer service.

Our seasoned account representatives have over a decade of experience, with backgrounds in administration, admissions, accounting, education management, and law. They will guide you every step of the way and customize the process to meet your needs and requirements.

International experience is key to our ability to provide advanced insurance services for cultural exchange programs. Our participants travel to 200 countries annually — from Costa Rica, to Italy, to Brazil, to Egypt, to China. Our own international and sister offices give CISI direct connections in UK, Germany, South Africa, Poland and Australia.

24-Hour Worldwide Assistance, 7 Days a Week, 365 Days a Year

Service during the coverage period is the most important aspect of what we offer. After all, what good is insurance if you can’t – or don’t know how – to use it?

There are many obstacles with worldwide insurance, such as language barriers and unfamiliarity with insurance procedures in some foreign countries. That is why CISI offers 24-7-365 worldwide assistance services—a resource for everything from a lost passport to an emergency evacuation. Our assistance service has doctors and translators on staff, providing toll-free, worldwide access to benefits, providers, and emergency assistance.

Choose peace of mind. Choose CISI.

�“�CISI�was�very�responsive�and�helpful�as�we�started�our�international�program.�We�had�tried�other�insurance�companies�and�were�not�successful.�We�had�such�bad�experiences�with�others�that�it�was�hard�to�believe�it�could�be�so�easy�to�work�with�a�company.”

—Crossroads Community

Flexible and Comprehensive Plan Options

All customers are unique—we believe their coverage should reflect that. CISI ensures that your plan can be as flexible and as comprehensive as you need it to be. Many of CISI’s plans feature:

we’re here...

� Emergency family reunion benefit

� Comprehensive security evacuation benefit

� Fully-assisted medical evacuation and repatriation

� Tuition refund benefit and trip cancellation/interruption coverage

� Personal effects coverage: lost or delayed baggage

� Personal liability coverage

� Quarantine coverage

� Kidnap and ransom coverage

� 24-hour multilingual emergency assistance services, personal security advice and response services

� Customized, web-based client portal

� Varying coverage maximums

� Deductible levels on an annual basis, per injury/illness or zero basis for study abroad

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In-House Claim Processing Services

CISI utilizes a fully automated claim payment system. Professional, in-house staff readily serve your personal needs. A dedicated Benefit Analyst will become the expert for your customized group plan and is available to you as a valued resource.

Our sophisticated telephone software allows for prompt and efficient handling of all incoming calls. The calls received are automatically routed to the next available Benefit Analyst, ensuring that you will speak to a live person. At all times, the program sponsors will be able to have direct access to their client-specific representative.

On-Staff Crisis Management Personnel

Our CISI staff members include an experienced 24/7 Crisis Team who serve as your direct liaison during any medical, security or legal emergency with your students. With over 15 years of experience in handling emergency evacuations and repatriations for cultural exchange and educational travel organizations, our Crisis Team will be able to meet all your needs during any type of crisis.

The Crisis Supervisor handles all contact with our emergency assistance provider to ensure your organization’s questions and concerns are being addressed. Ongoing communication with all involved parties remains until your participants return to their home country safely.

Customized Enrollment System

CISI has developed a customized invoicing and enrollment system specifically programmed to meet the needs of program sponsors involved in cultural exchange. This system allows for immediate enrollment of students and confirmation of coverage, creation of detailed invoices with participant specific ID Cards and Consulate letters.

CISI’s user friendly online enrollment system provides full automation for our clients who wish to enroll directly.

CISI has chosen top-notch assistance providers who can offer unmatched global expertise and highly skilled multilingual staff. Help and advice may be furnished for the insured in the event of any emergency during the term of coverage with us.

� 24-7 multilingual emergency assistance provider

� Medical Evacuation and Repatriation benefit levels that exceed visa requirements

� Security Assistance support backed by a network of security, intelligence and geopolitical experts

Dedicated Staff Support and Services Emergency Travel Assistance

Medical Assistance Services

� Medical Referral

� Medical Monitoring

� Prescription Drug Replacement/Shipment

� Emergency Message Transmittal

� Coverage Verification/Payment Assistance for Medical Expenses

Travel Assistance Services

� Assistance in Obtaining Emergency Cash

� Traveler’s Check Replacement

� Lost/Delayed Luggage Tracking

� Replacement of Lost or Stolen Airline Ticket

Technical Assistance Services

� Credit Card/Passport/Important Document Replacement

� Locating Legal Services

� Assistance in Posting Bond/Bail

� Worldwide Inoculation Information

Understanding of Insurance Needs

Ability to Resolve Problems

Overall Experience with CISI

Service from CISI

Recommend CISI

Timeliness of Response 98%

98%

98%

98%

99%

99%

CISI Customer Survey Results:

CHINA

MONGOLIA

CANADA

AUSTRALIA

BOTSWANA MADAGASCAR

MOZAMBIQUE

NEW ZEALAND

MICRONESIA

GUAM

CYPRUS

KUWAIT

AFGHANISTAN

BAHRAIN

UNITED ARAB

EMIRATES

JORDAN

EGYPT

LEBANON

ISRAEL

THE GAMBIA

CAPE VERDE

MOROCCO

GHANA

GABON

CONTE D’IVOIRE

LIBERIA

BENIN

BURKINA FASO

CAMEROON

NIGERIA

NIGER

MALI

NAMIBIA

TANZANIA

BURUNDI

KENYA

UGANDA

ETHIOPIA

INDIA

IRAN IRAQ

NEPAL

BANGLADESH

BHUTAN

SRI LANKA

LAOS

MYANMAR

CAMBODIA

MALAYSIA

INDONESIA

JAPAN

SOUTH KOREA

NORTH KOREA

TAIWAN

HONG KONG

MACAU

SINGAPORE

ARMENIA

GEORGIA AZERBAIJAN

KYRGYZSTAN

KAZAKHSTAN

EQUATORIAL GUINEA

AMERICAN SAMOA

FIJI

COOK ISLANDS FRENCH

POLYNESIA

PAPUA NEW GUINEA

SOLOMON ISLANDS

TOKELAU EAST TIMOR

TONGA

VANUATU

PHILIPPINES

PAKISTAN

QATAR

SAUDI ARABIA

RUSSIAN FEDERATION

RWANDA

SUDAN

SIERRA LEONE

SENEGAL

SOMALIA

SWAZILAND

TOGO

CONGO

THAILAND

TURKEY

TUNISIA

TAJIKISTAN TURKMENISTAN UNITED STATES

UZBEKISTAN

ZIMBABWE

ZAMBIA

SOUTH AFRICA

VIETNAM

MEXICO

COSTA RICA

NICARAGUA

CHILE

ARGENTINA

BOLIVIA

BRAZIL

COLOMBIA

BERMUDA

CUBA

BELIZE

HONDURAS

GUATEMALA

ECUADOR

GALAPAGOS

FALKLAND ISLANDS

GUYANA

JAMAICA

HAITI

PANAMA

PERU

URUGUAY

PARAGUAY

SURINAME

EL SALVADOR

VENEZUELA

BAHAMAS CAYMAN ISLANDS TURKS AND CAICOS ISLANDS DOMINICAN REPUBLIC PUERTO RICO US VIRGIN ISLANDS BRITISH VIRGIN ISLANDS SAINT KITTS AND NEVIS ANTIGUA AND BARBUDA GUADELOUPE DOMINICA MARTINIQUE ST LUCI BARBADOS GRENADA TRINIDAD AND TOBAGO NETHERLANDS ANTILLES ARUBA

ITALY

IRELAND

UNITED KINGDOM

BELGIUM

AUSTRIA FRANCE

NETHERLANDS

DENMARK

SWITZERLAND

SWEDEN

FINLAND

LITHUANIA

ESTONIA

LATVIA

HUNGARY

BOSNIA AND HERZEGOVINA

MONTENEGRO

CROATIA

ALBANIA

MACEDONIA MALTA GREECE

BULGARIA KOSOVO

MOLDOVA

GERMANY

LUXEMBOURG

SPAIN

CZECH REPUBLIC

POLAND

UKRAINE

PORTUGAL

ROMANIA

SERBIA

SLOVENIA

SLOVAK REPUBLIC

FAROE ISLANDS

ICELANDS


We provide coverage to over 150,000 students traveling to 200 countries annually

we’re everywhere!

150,000 total insured students per year

200 countries insured

students traveling to


Each year, CISI insures thousands of American students as they travel overseas to expand their minds and education. Working closely with the student population and exchange organizations for nearly two decades, we have the knowledge, flexibility and expertise to provide the necessary support for all study and travel abroad participants. Our industry-leading, comprehensive study abroad insurance features:

� 24-hour Emergency Assistance services staffed with multilingual representatives

� Fully assisted emergency evacuation and repatriation

� Payment guarantees issued to overseas hospitals in several languages

� Direct access to overseas provider network via our Emergency Assistance Center

� Coordination with your program to arrange direct pay relationships with providers in top destinations

� Claim payments issued from our office in several foreign currencies

� In-house staff to serve as your liaison in the event of a medical or legal crisis

� Initial legal counseling provided to students via our attorney, who is known for handling several high profile international cases

� Online enrollment for additional independent travel

� Security Evacuation Benefit covering both Political Unrest events and Natural Disasters

� Personal Security Advice and Response Services

� Coverage for traveling faculty and staff at student rates

� Drug Translation Tool

� On-line International Provider Network of over 12,000 doctors and hospitals in over 85 countries

� Zero Deductible, Home Country Coverage, Pre-existing allowance

� No exclusion for drugs or alcohol

� No exclusion for attempted suicide

Coverage for Study Abroad Programs

1 0 www.M y C I S I . c om 1 1

CISI has extensive experience in developing comprehensive insurance plans to meet the specific needs of exchange program participants coming to the United States. Navigating the U.S. medical and insurance system can prove difficult even for those in the know. Our simplified, straightforward process provides exchange students with the coverage they need and the ease in which to use it. Programs we currently cover include: international students, internships, work and travel, high school exchange, high school tour groups, language schools and au pair programs.

Coverage for Inbound U.S. Programs

“We�have�worked�with�CISI�for�many�years�and�they�are�reliable,�cooperative,�and�helpful.�It�has�

been�a�pleasure�being�associated�with�them.”

—Lynn Univers i ty

Our industry-leading, comprehensive inbound insurance features:

� Comprehensive coverage at an affordable rate

� Access to a fully comprehensive online provider network

� Coordination with Student Health Centers on administration of claims

� Completely voluntary PPO network accessible online via our website

� Customized plans that provide a full array of options to best suit your needs

� 24-hour Emergency Assistance Center

� In-house staff to serve as your advocate in the event of a medical or legal crisis

� Online access to claim status information

� Premium offerings for spouses and dependents

� Reimbursement for airline ticket home in the event of serious illness of a family member

� Coverage provided while students are in their home country

1 2 V i s i t u s a t w ww.m y C I S I . c om www.m y C I S I . c om 1 3

CISI also provides added personal security advice and response services via an agency of trained security specialists.

Security Benefit and Features

Security Evacuation Benefit

This comprehensive benefit provides evacuation coverage in the event of:

� Travel Tracker Tool: interfaces with an organization’s travel itineraries and enables business managers to monitor, locate and communicate with travelers; allows alerts and other messages to be pushed directly to travelers vie e-mail, cell phone or text message.

� Weekly Pandemic Monitor: focused on infectious diseases, changes in health policies and best practices in mitigation and planning for travelers’ health and safety.

� Monthly Intelligence Forecast: provides a more predictive assessment of near-term geopolitical, security and operational risks, allowing better planning on emerging risks on a country basis.

� Expulsion from a Host Country or being declared persona non - grata on the written authority of the recognized government of a Host Country;

� Political or military events involving a Host Country, if the Appropriate Authorities issue an Advisory stating that citizens of the Insured Person’s Home Country or citizens of the Host Country should leave the Host Country;

� Natural Disaster within 7 days of an event;

� Verified Physical Attack or a Verified Threat of Physical Attack from a third party;

� The Insured Person has been deemed kidnapped or a Missing Person by local or international authorities and, when found, his or her safety and/or well-being are in question within 7 days of his or her being found.

�“�The�service�is�excellent.�Everyone�is�treated�as�an�individual�and�treated�with�such�respect.�CISI�professionals�know�our�program�and�our�specific�needs.�I�really�appreciate�the�details�such�as�names�of�our�insured�students�in�an�area�of�danger�such�as�the�e-mail�we�just�received�regarding�the�earthquake�in�Chile�last�night.”

—Univers i ty Of Minnesota


Online Security Information and Advice

A secure, web-based system for tracking global threats and receiving location-based risk intelligence including:

� Up-to-the-minute travel alerts covering political instability, civil unrest, disease outbreaks, crime patterns and terrorism news from around the world.

� Real-time, country-specific trip briefs for intended travel destinations, including any safety and security issues for that city, region or country; helpful security tips; plus any security precautions that should be adopted to avoid those risks.

� Country-specific health information including trip preparation advice and recommended medical facilities around the world.

� U.S. State Department Travel Warnings

� Daily Intelligence Briefs: a daily in-depth analysis of global events that provides program managers with additional perspective on organizational impact.

Security Services

�“In�St.�Petersburg�with�a�poor�grasp�of�Russian,��I�was�obliged�to�go�to�an�English-speaking�clinic�and�was�quite�worried�as�the�bills�added�up�for�my�illness.�CISI�took�care�of�everything�without�any�debating�about�co-pays�or�non-covered�items.�They�did� a� fantastic� job� that� eased�what� could�have�been�a�very�painful�and�stressful�number�of�weeks.�CISI� should�be� commended� for� setting�the�bar�at�such�a�high�level�of�human�service.”

—Lamar Univers i ty

Phone

24-7 phone access to trained security specialists and advisors. They are available to provide advice for your safety-or security-related concerns. Discuss security events, their implications and other security issues directly with regional and subject matter specialists. Phone dialog gives you immediate advice and support from a multi-disciplinary team with unparalleled knowledge and expertise.

Tailored Advisory

Personalized security reports —advice specific to your itinerary and risk profile sent within 24 hours of an inquiry being made. Written and compiled by our regional analysts and security experts, these briefings take into account key factors in assessing the threats posed to an individual traveler.

Security Evacuation Response Service

An on-the-ground physical response to assist a member if found to be in a life-threatening security situation, anywhere in the world. This may include, but is not limited to: a terrorist incident, a natural disaster or a serious, crime-related incident.


“I�have�had�to�see�CISI�in�action��with�students�having�a�medical�emergency.�I�have�never�received�a�complaint�from�students�or�parents�about�support�or�reimbursement�problems.�I�am�extremely�pleased�with�CISI’s�coverage.”

—Univers i ty of W isconsin

CISI Self-Enrollment Portal

Save valuable staff time with our automated direct enrollment program. With this easy-to-use tool, your students can:

� Enroll with a valid credit card

� Obtain their personalized ID card and consulate letter instantly

� Review coverage details

� Download claim forms

CISI Client Portal

An online tool customized for your program. Simply log in and:

� View account information

� Upload enrollments

� Search:

� Online enrollments

� Claim status

� Invoices

� Claim reports

� Coverage brochures and claim forms for both current and prior years

� Create personalized:

� ID cards

� Consulate letter

� Certificate of insurance

� Gain access to helpful links and resources tailored to your program(s):

� Links to U.S. Embassies

� Consular information sheets

� Country profiles

� CDC health and vaccination information

� English-speaking doctors by country

� U.S. State Department travel warnings

� Safety and travel tips

� Personal security assistance data

� Emergency contact information

� Rosters of enrolled students

CISI Participant Tools

Once enrolled, students can log in to:

� Check coverage dates 24-7

� Create/replace personalized:

� ID cards

� Consulate letter

� Certificate of insurance

� Enter trip specific details for tracking

� Purchase additional insurance coverage

� Gain access to helpful links and resources tailored to your program :

� Links to U.S. Embassies

� Consular information sheets

� Country profiles

� CDC health and vaccination information

� English-speaking doctors by country

� U.S. State Department travel warnings

� Safety and travel tips

myCISI : Easy-to-Use Online Tools

EMERGENCY MEDICAL SECURITY

Cultural Insurance Services International 1 High Ridge Park Stamford, CT 06905 800.303.8120 Fax 203.399.5596 www.culturalinsurance.com

05/2014

We’re here, we’re there, we’re everywhere!

�“CISI�was�extremely�easy�and�very�affordable.�When�I�found�out�I�would�not�have�insurance�coverage�for�an�overseas�internship,�I�panicked.�A�friend�recommended�CISI,�and�I�was�relieved�to�find�out�how�easy�it�was�to�enroll�and�that�it�would�be�affordable�for�a�student�doing�an�unpaid�internship.�I�thankfully�didn’t�end�up��having�to�use�it,�but�it�definitely�contributed�to�my�peace�of�mind.”

—Student, A l l ison Shur i l la

no matter how far you travel we’re therecustomized plans that provide a full array of options to...

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