FAQs for Students Studying Outside of the U.S. | FAQs for Students or Scholars Coming to the U.S.

Frequently Asked Questions for Students Studying Outside of the U.S.

How do I sign up for insurance?

To download an enrollment form, which can be mailed or faxed to us with payment, click here.  To enroll online now with a credit card payment, click here. For more information, please e-mail the Plan Administrator at cisiwebadmin@culturalinsurance.com or call (800) 303-8120, option # 4.

I am the parent of a Study Abroad Student, can I enroll for them?

Yes, you may enroll for your son or daughter.

Yes, once your payment has gone through, you will receive an email confirmation with the following: medical ID card, consulate letter and a claim form. If you would like for CISI to mail you a hard copy, please contact the plan administrator at (800) 303-8120, option #4 or by email at cisiwebadmin@culturalinsurance.com

My trip abroad begins in several months, but I would like to get it done right away, how soon can I enroll?

You may enroll up to the last two days of your requested insurance start date.  In case insurance slips your mind on the day of your departure, please click here for the study abroad application, please fax to (203) 399-5596 or email the application to cisiwebadmin@culturalinsurance.com.

I need to submit a proof of insurance to my school and also to the consulate to obtain my visa; can you provide me with this?

Yes, once you have enrolled, you will receive an email confirmation with your consulate letter addressed to the Consulate General of the hosting country.

How do I use the online enrollment?

Click here to access the online enrollment.  You can click on the hyperlink of a field to get more information about that field.  If you still have questions, please do not hesitate to contact the Plan Administrator by email at cisiwebadmin@culturalinsurance.com or call (800) 303-8120, option # 4.

How do I use my CISI insurance overseas?

To use your insurance overseas, present your card to your medical provider at the time of service.  Foreign providers can contact your assistance service toll-free to verify eligibility and/or benefits 24-7-365.  If you are still required to pay for any medical services, medicines, or equipment out-of-pocket, you should submit those bills and/or receipts to CISI for reimbursement, along with a completed claim form.

Does my policy provide any coverage for me in the U.S.?

No.  You are covered worldwide except for in the United States.

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.

How do I sign up for additional coverage either before or after my program?

To enroll for up to one month of coverage either before your program start date or after your program end date, you will need to complete an enrollment form for our individual study abroad plan.  To download that form, click here.  To enroll for an extra month of insurance online now, login to myCISI.

Where can I access additional claim forms?

To download a generic claim form, please click here.

Are pre-existing conditions covered?

There is no coverage for pre-existing conditions on any of the individual products. Because group plans are customizable, those plans may or may not cover pre-existing conditions. If you are unsure about your benefits, please contact a Benefit Analyst at (800) 303-8120, option # 1. Please have your policy number ready. In any case, pre-existing conditions are covered in the event of a medical evacuation.

What is the quickest way to enroll myself for an individual plan and receive my insurance materials as soon as possible?

Enrollment confirmation, including personalized ID card, Summary of Coverage, claim form, and consulate letter is just a few clicks away with our online enrollment option.  Click here to enroll online now.

What is the minimum coverage period I can purchase on an individual plan?

The insurance premium is calculated on a monthly basis.  The minimum amount of coverage that can be purchased, therefore, is one month.  Generally, participants pay up front for the full period of coverage they are requesting (up to 12 months).

Do I have to pay up front for the full period of insurance?

It is recommended that a participant pay up front for the full period of insurance that is needed.  However, a participant may choose to renew/extend the policy on a monthly basis.  This choice requires a written request and additional payment for each time of renewal/extension.

I am the leader of a small group of students that is traveling overseas. Can I enroll the participants as a group?

Yes, via our Group Online Enrollment under our individual plan.  This option allows for fast enrollment with instant confirmation and receipt of insurance materials for the entire group. You may also complete an enrollment template, which can be emailed to the Plan Administrator at enrollments@culturalinsurance.com.  In this case, enrollments will be processed in-house and all materials will be mailed to the leader/contact of the program. To download an enrollment template, please contact the Plan Administrator at enrollments@culturalinsurance.com, or by phone at (800) 303-8120, option # 4.

I am receiving a bill for medical services that I thought my insurance was going to pay for.  What should I do?

Contact the provider to be sure that they have your correct insurance information on file and that a claim has been submitted directly to CISI.  If so, contact CISI to check the status of your claim at (800) 303-8120, option # 1 or e-mail cisiwebadmin@culturalinsurance.com.

How do I get help locating a medical provider and/or hospital?

For help locating a provider overseas, contact the assistance service by calling the collect number on the insurance ID card. 

I am looking to travel the world. What type of insurance can you offer me?

The insurance coverage we provide is specifically designed for U.S. citizens engaged in cultural exchanges through their U.S. institutions or a recognized study abroad program. If you are looking for health insurance coverage while travelling overseas, then we recommend insurance with our sister company, CareMed. For individual coverage, please visit their website: www.caremed-travel.com.

I am looking to work overseas and before my employer's insurance begins, I need temporary coverage for my spouse and I. How can you help me?

The insurance coverage we provide is specifically designed for U.S. citizens engaged in cultural exchanges through their U.S. institutions or a recognized study abroad program. If you are looking for health insurance coverage while travelling overseas, then we recommend insurance with our sister company, CareMed. For individual coverage, please visit their website: www.caremed-travel.com.

Do you offer any plan that has no deductible?

Yes, CISI offers a Comprehensive plan paid at 100% up to the maximum benefit, with a $0 deductible. 

I misplaced my medical ID card, what should I do?

Please dial (800) 303-8120 or email cisiwebadmin@culturalinsurance.com we can easily email you with a new Id card within a few minutes.

Frequently Asked Questions for Students or Scholars Coming to the U.S.

What is the quickest way to enroll myself for an individual international student or scholar plan and receive my insurance materials as soon as possible?

For fastest service, download an application and fax to CISI with payment information and a copy of your I-20 or DS2019.

How do I 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.  For help locating a provider overseas, contact the assistance service by calling the collect number on your insurance ID card. 

How do I use my CISI insurance in the U.S.?

To use your insurance in U.S., present your card to your medical provider at the time of service.  Medical providers can contact CISI directly, toll-free at (800) 303-8120 to verify eligibility and/or benefits, from 9AM to 5PM EST.  CISI is affiliated with the First Health Network through PHX.  For a listing of preferred providers in your area, please click here. Arranging services through a preferred provider is not required, but will help reduce any potential out-of-pocket expenses.

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.

How long can my coverage be valid for?

If you are an international student in the U.S. your insurance can be valid for as long as your J-1, F-1, or M-1 visa is valid.  To extend your coverage, please contact your Plan Administrator at (800) 303-8120 or e-mail cisiwebadmin@culturalinsurance.com.

Where can I access additional claim forms?

To download a generic claim form, please click here.

Are pre-existing conditions covered?

There is no coverage for pre-existing conditions on any of the individual products. Because group plans are customizable, those plans may or may not cover pre-existing conditions. If you are unsure about your benefits, please contact a Benefit Analyst at (800) 303-8120, option # 1. Please have your policy number ready. In any case, pre-existing conditions are covered in the event of a medical evacuation.

What is the minimum coverage period I can purchase on an individual plan?

The insurance premium is calculated on a monthly basis.  The minimum amount of coverage that can be purchased, therefore, is one month.  For international students and scholars, we suggest purchasing at least three months of coverage at a time for extended stays in the U.S.  Generally, participants pay up front for the full period of coverage they are requesting (up to 12 months).

Do I have to pay up front for the full period of insurance?

It is recommended that a participant pay up front for the full period of insurance that is needed.  However, a participant may choose to renew/extend the policy on a monthly basis.  This choice requires a written request and additional payment for each time of renewal/extension.  There is currently no automated way to renew coverage.

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. 

I am the director of study abroad/international programs department at a university or college in the U.S.  How do I get a group quote for insurance?

To contact an Account Executive for a group quote, please dial (800) 303-8120, option # 3, or e-mail cisiwebadmin@culturalinsurance.com, or Request a Quote Online.

I am receiving a bill for medical services that I thought my insurance was going to pay for.  What should I do?

Contact the provider to be sure that they have your correct insurance information on file and that a claim has been submitted directly to CISI.  If so, contact CISI to check the status of your claim at (800) 303-8120, option # 1 or e-mail cisiwebadmin@culturalinsurance.com.

Does your International Student & Scholar plan meet U.S department visa regulations?

Yes, the International student & Scholar plan meets all U.S. department regulations.

I misplaced my medical ID card, what should I do?

Please dial (800) 303-8120 or email cisiwebadmin@culturalinsruance.com we can easily email you with a new Id card within a few minutes.

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