Understanding International Risk and The Texas A&M System/CISI and The Texas A&M System/CISI

International Travel Benefits Programg

• Provide a brief overview of international travel statistics within The Texas A&M System

• Discuss the exposures associated with • Discuss the exposures associated with international travel

O li Th S ’ i i l l • Outline The System’s international travel service company CISI

• Explore the benefits associated with The System’s international travel coverage

Total Number of Trips 2,079Total Number of Students 8,223Total Number of Faculty and Staff 2,757Total Student/Faculty/Staff 10,980

Percentage of Student Body Traveling Overseas 6%g y gPercentage of Faculty/Staff Traveling Overseas 9%Percentage of All Associates Traveling Overseas 6%

I t ti l P iInternational Presence in:•Mexico•Qatar•Costa Rica•Italy

A # A #

Top 10 Travel Abroad Locations

# Country # of Trips

Average # of

Students Per Trip

Average # of

Employees Per Trip# Country # of Trips Per Trip Per Trip

1 Mexico 205 2 22 China 170 2 23 S i 151 3 5 23 Spain 151 3.5 24 Germany 117 2 25 United Kingdom 111 4 26 France 106 3 17 Italy 89 3 28 Iraq 54 0 318 Iraq 54 0 319 Russia 42 5 210 Costa Rica 41 5 1

Top 10 Travel Abroad Locations By Student Group Size

# Country # of Trips

Average # of

Students Per Trip

Average # of

Employees Per Trip# Country # of Trips Per Trip Per Trip

1 Fiji 2 29 22 Zambia 1 16 43 P l d 17 7 23 Poland 17 7 24 Austrailia 19 7 25 Slovenia 2 6 16 Singapore 11 6 17 Switzerland 34 6 28 Russia 42 5 29 Costa Rica 41 5 1

10 Dominican Republic 7 5 1

Top 10 Travel Abroad Locations By Employee Group Size

# C t # f T i

Average # of

Students P T i

Average # of

Employees P T i# Country # of Trips Per Trip Per Trip

1 Iraq 54 0 312 Rwanda 2 0 73 E hi i 34 0 63 Ethiopia 34 0 64 Taiwan 14 0 55 Guatemala 27 0 56 Rwanda 8 0 47 Zambia 1 16 48 Honduras 12 1 39 Paraguay 5 0 3

10 Netherlands Antilles 1 0 3

Average # Average #

Bottom 10 Travel Abroad Locations By Student Group Size

# Country # of Trips

Average # of

Students Per Trip

Average # of

Employees Per Trip

103 Cuba 1 0 1104 El Salvador 1 0 1105 Ghana 1 1 1106 Guam 1 0 1107 Ivory Coast 1 0 1108 Macedonia 1 0 1108 Macedonia 1 0 1109 Mali 1 1 0110 Mongolia 1 0 1111 Netherlands Antilles 1 0 3111 Netherlands Antilles 1 0 3112 Ukraine 1 0 1113 Zambia 1 16 4

So, what can happen when traveling internationally?

Bob, this is Xaing. I am a nurse here in Urumqi, g qChina. We have a Walter Smith who is unconscious. We found your business card in his wallet.

When can you arrive to pick him up?

He is still unconscious. He should travel quietly

H d l t th $4 568 i di l How do you plan to pay the $4,568 in medical bills? We will not release him until it is paid. His wallet had no cash and his credit card was declined.

If we recovers, he does have the option of working off If we recovers, he does have the option of working off the balance due in the local state run rock quarry.

Ho do o la o etti hi ho e? We ha e ack How do you plan on getting him home? We have pack mules for rent if they would be your preferred method. Walking is always acceptable

There is a lull in the Central Committee’s effort to repel the rebel insurrection. Now is a good time to get him the rebel insurrection. Now is a good time to get him out

When can we expect you? When can we expect you?

Share you ideas about what may have befallen our dear Walter………

Travel Related: Travel Related:• Auto, plane or mule accident

Medical RelatedSt oke hea t attack diabete• Stroke, heart attack, diabetes

Crime Related• Mugging, robbery, burglary, drugs

War Related• Insurrection, regional conflict

Weather• Tornado, flooding, high winds

Culture Related• Intentional/Unintentional law breaking police authorities• Intentional/Unintentional law breaking, police authorities

Make sure he is getting adequate careMake sure he is getting adequate careProvide medical bill payment assistanceAssist with travel arrangements homeAssist with travel arrangements homeContact next of kin or emergency

contactscontactsHelp him recover his passportGet him home!Get him home!

Employee InjuryEmployee InjuryStudent InjuryEmployee Sicknessp yStudent SicknessNatural DisastersPolitical UnrestAbduction

L t lLost luggageLost PassportLost cost of overseas programLost cost of overseas program

Cultural Insurance Services International (CISI)

•Cultural Insurance Services International Cultural Insurance Services International (CISI) is the leading provider of study abroad and international student insurance coverage.

•Since 1992, they have insured over 1 million international students and cultural exchange

i i ld idparticipants worldwide.

•Their participants travel to more than 100 countries annually - from Costa Rica, to Italy, to Brazil, to Egypt, to China etc

•Offices in the United Kingdom, Germany, South Africa, and Australia

P id f h t t t i •Provides coverage for short term trip exposure

•For employees, can fill the coverage gap for injuries not covered under System worker’s compensation not covered under System worker’s compensation plan

Provides compensation where employer provided •Provides compensation where employer provided health insurance benefits may not apply

•Provides students with accident medical coverage •Provides students with accident medical coverage with little or no out of pocket expense

P id di l d •Provides emergency medical and security evacuation coverage

•For longer term expatriate situations, discussions should occur with Insurance Manager Kathy Miller for proper method of covering exposure (additional costs ma be req ired)may be required)

State Department Travel Alerts and State Department Travel Alerts and Warnings

Primary Insurance know what it does and Primary Insurance-know what it does and doesn’t pay

Strongly consider accident Strongly consider accident medical/emergency evacuation coverage via CISIcoverage via CISI

Research country specific information-Red24Red24

•Rosters

•Medical Provider Information

•Country Security Information

•Other Services

Employee Blanket Plan #GLB9134664EEmployee Blanket Plan #GLB9134664EStudent Plan #GLB9134664

• Roster Upload • Roster Upload • Self Enrollment

Dependent/Spouse EnrollmentDependent/Spouse Enrollment

Mi ft OffiMicrosoft Office d 97 - 2003 Docum

When Calling For Assistance: If anyone calls in, they g y yshould refer to the policy number and/or Texas A&M University System (especially for the employee blanket plan).

Evacuations: All evacuations/repatriations must be arranged by the assistance company in order for benefits to be payable. For this reason, it is a good idea to bring p y g gCISI into the loop with complicated hospitalizations if you are made known of the situation by the student or employee before CISI. This will probably be more of an issue with the blanket evacuation plan as opposed to the issue with the blanket evacuation plan as opposed to the full plan, since historically speaking, CISI should already be in the loop for any hospitalizations on the full-rosteredstudent planp

Student Med/Security/Accident Medical yIntegration:

In the past, service in times of an emergency was p , g yhindered because our previous emergency evacuation vendor would not coordinate with our accident medical insurance vendor.acc de t ed ca su a ce ve do

Now this is all under a single plan through CISI so coordinating payment of medical bills for so coordinating payment of medical bills for release from the medical facility for evacuation will be seamless

Rate For Students Only: The accident Rate For Students Only: The accident medical rates for students which includes medical/security evacuation and medical/security evacuation and program fee refund coverage are as follows:follows:• Weekly Rate (Up to 3 weeks): $9.36• Monthly Rate Over three weeks): $30 09• Monthly Rate Over three weeks): $30.09• Roster Enrollment

Microsoft Office el 97-2003 Worksh

Single Point of Contact: Emily Davis of Single Point of Contact: Emily Davis of CISI serves as the single point of contact between System Members and CISI. She will serve as our liaison for account will serve as our liaison for account information, benefit coordination, enrollment issues and

i evacuation cases.

Please work through TAMU Insurance ease wo t oug MU su a ceManager Kathy Miller for any questions or needs

Benefits-Employee Plan Benefits Employee Plan

• Team Assist Plan (TAP): 24/7 medical, travel, t h i l i t technical assistance

• Emergency Medical Evacuation up to $200,000 g y p ,

• Repatriation/Return of Mortal Remains up to $100 000$100,000

• Security Evacuation (Comprehensive) up to $100,000

Benefits-Student Plan• Accidental Death Per Insured $15,000 (participant);

$5,000 (spouse); $1,000 (child)

• Medical expenses (per Accident or Sickness):

• Zero Deductible

• Basic Medical $250,000 at 100%

• Home Country Coverage Limit $10,000

• Emergency Medical Reunion $3,000Emergency Medical Reunion $3,000

• Return Ticket $1,000

Benefits-Student Plan (Continued)Benefits Student Plan (Continued)• Program Fee Refund $5,000

Travel Delay $500• Travel Delay $500

• Team Assist Plan (TAP): 24/7 medical, travel, technical assistancetechnical assistance

• Emergency Medical Evacuation up to $200,000

• Repatriation/Return of Mortal Remains up to $100,000

• Security Evacuation (Comprehensive) up to $100,000

Student Enrollment Student Enrollment Reference Insurance Manager Kathy Miller

Employee Website• Username:

tamusemployee@culturalinsurance.com• Password: TAMUSEVAC• Password: TAMUSEVAC