CISI Insurance Policy Details

The University's policy with Cultural Insurance Services International (CISI) provides international health, security, medical, and evacuation coverage.

Policy Details

The 2022-23 plan includes the following items:

  • Emergency 24-hour telephone assistance 
  • Medical/travel/technical assistance services 
  • Accidental medical/sickness expense 
  • No deductible 
  • Mental and nervous benefit: $20,000 inpatient and $10,000 outpatients 
  • Prescription drugs: paid at 100% 
  • Pre-existing conditions: up to $100,000 
  • Emergency family reunion benefit and return ticket benefit 
  • Medical evacuation/repatriation 
  • Political and security evacuation 
  • Return of mortal remains 
  • Accidental death and dismemberment 
  • Program fee refund: up to $5,000 of allowable expenses in allowable cases 
  • 90 day, $10,000 home country extension of benefits coverage for injuries that began while covered overseas 
  • Guaranteed payment directly to foreign hospitals when it is an option

The U.S. territories of Puerto Rico, U.S. Virgin Islands, Northern Mariana Islands, American Samoa, and Guam, and the U.S. minor outlying islands will be treated as international locations for the purposes of CISI insurance.

How to Use CISI

CISI will send a copy of the insurance card, consulate letter, policy brochure, and claim form to each individual insured via email including the following information: 

  1. Carry the insurance card with you at all times
  2. If you require medical treatment while abroad, pay for medical costs up-front. Be prepared to pay in cash for any medical services provided while abroad. In the case that the medical cost is too high, contact CISI. CISI will facilitate direct payment to the hospital
  3. To file a claim, you must download and complete a Claim Form and send it with all receipts to the address indicated on the form.
  4. For more information, consult the CISI FAQ and the guide to using the myCISI web portal.

Frequently Asked Questions

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Frequently Asked Questions

When should I contact CISI?

  • To learn whether medications that you are taking with are legal in the host country.
  • To locate U.S.-standard hospitals or English-speaking doctors or specialists in the host country.
  • When on-going treatment for a medical issue is prescribed.
  • Any time an insured individual is hospitalized, regardless of the severity.
  • When political unrest is threatened.
  • Anytime an insured individual may need to go home before the program ends.

Can CISI cover things like malaria medications and birth control pills?

No. As this is preventive medication, CISI cannot cover the cost of the medication; however, CISI can provide assistance with locating a local facility where an insured individual can obtain the necessary medication.

Will my prescription medications be covered by CISI?

The University of Minnesota strongly recommends that, while planning for international travel, you visit a medical specialist for a pre-existing condition and obtain a necessary amount that would last for your time abroad prior to departure. The cost for your visit to the U.S. doctor and medication that you obtain in the U.S. should be covered by your U.S. health insurance. If you need continuing care abroad for a pre-existing condition, contact CISI as early as possible. Know that some medications are not available or are considered a narcotic in other countries. CISI can assist you in locating a specialist and identifying available medications abroad, and the cost for the necessary medical care and medication will be covered by CISI.

How do I extend CISI coverage?

If you will spend extra time overseas before or after your program, you are strongly encouraged to purchase adequate insurance to cover that time. CISI will allow insured individuals to purchase up to 30 days of insurance beyond the dates of the University of Minnesota coverage. You will be able to add this coverage through CISI after you receive your insurance card. Rates vary.

How do I receive an insurance card, letter, and brochure from CISI?

Once you are enrolled, a CISI insurance card, letter, and brochure will be e-mailed to your U of M email address. You can also access these documents by following the steps below:

  1. Go to myCISI Portal
  2. Click Login to myCISI on the right side of the screen
  3. Scroll downand click on Forgot your password?
  4. Enter First Name, Last Name, Date of Birth (Date-Month-Year)
  5. Click Create an account / Reset password
  6. Enter email address and click Send Password to this email
  7. Check email and follow instructions to log in
  8. Change password, if first time logging in
  9. Click view/print/email to access your insurance card

Where can I find information about insurance and COVID-19?

Please review Frequently Asked Questions about CISI Coverage and COVID-19.