International Health Insurance

The University of Illinois system has negotiated a policy for all its campuses with Cultural Insurances Services International (CISI). The CISI policy is designed for students, faculty, and staff who are going abroad for study, research, or other official UIC business.

For students applying to go abroad  through the Study Abroad Office, international health insurance is mandatory.  CISI is the default policy unless proof can be provided that the student has coverage under a policy with equal or better benefits.

CISI Schedule of Benefits Coverage and Services

  Maximum
Accidental Death and Dismemberment $20,000
Medical Expenses  

- Deductible (per occurrence)

Zero

- Basic Medical

$500,000 at 100%
Home Country Coverage Limit $5,000
Emergency Medical Reunion $10,000
Extension of Benefits 60 days
Baggage and Personal Effects ($100/article, $50 deduct.) $200 Max
Emergency Medical Evacuation up to $250,000
Return of Mortal Remains up to $100,000
Security Evacuation up to $100,000

The CISI policy is not intended to cover accompanying family members, or friends not traveling on university business. For these situations please contact CISI for an alternate policy.  The cost of insurance is based on how long you plan to be out of the country. Please refer to the table below to see the cost of coverage per the amount of days abroad.

Length of Program Cost of Insurance*
Up to 15 days $ 21.20
More than 15 days and up to 45 days $ 29.50
More than 45 days and up to 75 days (approx. 10 weeks) $ 69.35
More than 75 days and up to 195 days (approx. 6 months) $ 119.03
More than 195 days and up to 315 days (approx. 10 months) $ 282.57
More than 315 days and up to 397 days $ 332.26

*Prices are subject to change.

"myCISI"

Your CISI coverage includes, at no additional cost, a comprehensive on-line Portal of tools and information as well as access to 24/7 medical, travel and technical support. The myCISI Participant Portal is accessible via Cultural Insurance Services International's (CISI) homepage. You will have access to myCISI after you have enrolled in the insurance plan.

Using CISI

If you require medical attention while abroad, either contact CISI; or if outside of regular business hours contact their 24/7 assistance provider, Team Assist, for a referral at the telephone number or e-mail address listed on the front of your insurance card or use the doctor or hospital of your choice. In the event of a medical emergency, call Team Assist at 1-800-872-1414 if within the U.S., or call +1(609) 986-1234 if outside the U.S. (collect calls are accepted), or email teamassist@culturalinsurance.com. Many hospitals or medical centers may require payment at the time of service. If this occurs, you will be responsible for contacting CISI for reimbursement. You must contact CISI directly for any claims for medical expenses. If you are hospitalized, please contact Team Assist at the above numbers so that they may contact the hospital on your behalf and try to arrange for direct payment.

CISI Exemptions

  • Injury sustained while taking part in mountaineering where ropes or guides are normally used, hang gliding, parachuting, bungee jumping, racing by horse, motor vehicle, motorcycle or parasailing.
  • Other exclusions as identified on the CISI policy brochure.

Petition for Exemption from CISI Coverage

For students applying to go abroad  through the Study Abroad Office, international health insurance is mandatory.  CISI is the default policy unless proof can be provided that the student has coverage under a policy with equal or better benefits. Students wanting to petition must have their insurance company complete the petition form.

Enrollment Instructions

For students who are studying abroad through the Study Abroad Office, you will receive your program dates at the pre-departure orientation.  You should use these dates for your insurance policy.  CISI conveniently offers the option of enrolling online through a self-enroll portal. To enroll in the insurance plan please click on the red box below, enter your UIC net ID and password, and follow the instructions.

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International Health Insurance-Information for UIC Students, Faculty & Staff


Additional Reference Information

Today's world is increasingly unpredictable, with local conditions that can rapidly change. Total safety cannot be guaranteed abroad just as it cannot be in the United States. The Study Abroad Office is committed to take the necessary steps to maximize student safety through working with our study abroad partners both here and abroad, scheduled student advising and orientation sessions, and materials distribution. The top five things every student should do before going abroad are:
  1. Research the country you are going to and find out as much as possible about its contemporary life. There are many sources for this information, but a good place to start is:
       
    (a)
    the US Department of State website
    http://travel.state.gov/index.html, and the
    D-Space
    tab on the SAO homepage
    (b)
    local news papers - look for links under the World News tab on the SAO homepage, and
    (c)
    the Center For Disease Control http://www.cdc.gov/
    (d) Contact a Study Abroad Alum and talk to them about their experience. Ask an SAO advisor for names and contact information. Many of our program affiliates also have alumni contacts with students from all over the US who may have gone on the program you're thinking about.

  2. Visit your doctor and/or a travel clinic and discuss your medical history and travel plans. An on-campus option is the UIC School of Public Health Travel Clinic.

  3. Register with the US Embassy or Consulate in your program country through the State Department Smart Traveler Enrollment Program. This can be done on-line at https://travelregistration.state.gov

  4. Find out where your home country's closest embassy/consulate is located.
    • U.S. citizens: click here.
    • Non-U.S. citizens: please check with your nationality's foreign affairs ministry or State Department-equivalent.

  5. Become familiar with U.S. State Department services for U.S. citizens.
  6. Know where to look for U.S. State Department announcements.
    • Embassy Notices are announcements from a U.S. embassy or consulate in a specific country. These announcements update citizens about a possible event that may cause disruptions in parts of the country and advises citizens on maintaining their safety. You will receive Embassy Notices after you sign up with STEP.

    • The Worldwide Caution is a general announcement from Washington, D.C. advising U.S. citizens about the general risk of international travel, especially from acts of terrorism. The latest Worldwide Caution can be found here.

    • Travel Alerts are announcements for short-term events the U.S. State Department thinks travelers should know about when planning travel to a country. Examples of reasons for issuing a Travel Alert might include an election season that is bound to have many strikes, demonstrations or disturbances; a health alert like an outbreak of H1N1; or evidence of an elevated risk of terrorist attacks. When these short-term events are over, the State Department cancels the Travel Alert. If a Travel Alert is issued, please be more conscientious of your safety; follow all advice that the U.S. State Department and your program give; as well as adhere to all safety procedures and protocol for your program. The latest Travel Alerts can be found here.

    • Travel Warnings are issued when the U.S. State Department wants citizens overseas to consider very carefully whether they should go to a country at all. Examples of reasons for issuing a Travel Warning might include, unstable governments, civil war, on-going intense crime or violence, or frequent terrorist attacks. The purpose of these Travel Warnings is to let travelers know the risks of visiting those places and to strongly consider not going to them at all. Travel Warnings remain in place until the situation changes. Some have been in place for years. The latest Travel Warnings can be found here.

    Note: If a program ends prematurely as a result of a Travel Warning being issued, the Study Abroad Office will work with students, partners overseas, faculty and administrators on campus to minimize any loss of finances and academic credit. However, the University of Illinois cannot guarantee that the student will not experience some financial or academic loss.

  7. Attend a pre-departure orientation. All students going abroad through the Study Abroad Office are required to attend a pre-departure orientation meeting in order to be registered as a continuing UIC student while abroad. At this session the SAO staff review all university policies regarding academics, behavior, and safety issues.

  8. Theft, Trip Cancellation, and Other Insurance.  We recommend that you consider buying supplemental insurance coverage addressing trip interruption or cancellation and theft. These may be two different insurance policies. You can search for these policies through your personal travel agent or online. Sometimes the credit card with which you purchase airline tickets will provide some coverage.

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