• What are the enrollment options for groups?
• Do the group policies provide coverage for participants while in their home country?
• How long will it take to be reimbursed for medical expenses paid out-of-pocket?
• Where can participants access additional claim forms?
• Are pre-existing conditions covered?
• What is the minimum coverage period that can be purchased?
• How do we make payments on a group plan?
• I am the sponsor of a small group of students that is traveling to the U.S.  Can I enroll the participants as a group?
• One of my participants is receiving a bill for medical services that we thought would be covered by our group insurance plan.  What should I do?
• How do my participants get help locating a medical provider and/or hospital?

What are the enrollment options for groups?
If you have a customized group plan with CISI, the best method for enrollment requests is via the enrollment template. For a copy of the template, please contact CISI. Complete the template and e-mail it to enrollments@culturalinsurance.com.

Do the group policies provide coverage for the participants while in their home country?
It depends on the plan.  Since group plans are fully customizable, a group plan may or may not include home country coverage.

How long will it take to be reimbursed for medical expenses paid out-of-pocket?
Turnaround for claim payments is generally 2-3 weeks from receipt date.  To check the status of your claim, contact CISI at (800) 303-8120 from 9AM to 5PM EST.

Where can participants access additional claim forms?
To download a generic claim form, please click here.

Are pre-existing conditions covered?
Because group plans are customizable, those plans may or may not include pre-existing condition coverage. Pre-existing conditions are covered in the case of medical evacuation. If you are unsure about your benefits, please contact a Benefit Analyst at (800) 303-8120, option #1. Please have your policy number ready.

What is the minimum coverage period that can be purchased?
On an individual plan the minimum coverage period is one month.  But, on a customized group plan, the options are unlimited.  Customize your policy with daily, weekly, monthly, term, semester, or annual coverage periods and premiums.

How do we make payments on a group plan?
The billing contact will be invoiced for enrollments.  Payment is due upon receipt of the invoice.  Acceptable payment methods include:  check, money order, Visa, MasterCard or American Express.

I am the sponsor of a small group of students that is traveling to the U.S.  Can I enroll the participants as a group?
Yes, you may request an enrollment template by contacting the Plan Administrator at cisiwebadmin@culturalinsurance.com. Enrollments will be processed in-house and all materials will be mailed to the leader/contact of the program. 

One of my participants is receiving a bill for medical services that we thought would be covered by our group insurance plan.  What should I do?
Tell the participants to contact the provider to be sure that they have the correct insurance information on file and that a claim has been submitted directly to CISI.  If so, tell the participant to contact CISI to check the status of the claim at (800) 303-8120, option # 1 or e-mail cisiwebadmin@culturalinsurance.com. 

How do my participants get help locating a medical provider and/or hospital?
To access a listing of providers in the U.S. who participate with the First Health Network and are located in your area, click here.