Cultural Insurance Services International
St. Francis College
Policy Number
CC001397
Questions?
Benefit or Claim Questions?
Contact CISI
(9AM-5PM EST Mon-Fri)
Phone: 1-203-399-5130
(toll free 1-800-303-8120)
Email: Claimhelp@mycisi.com
Enrollment Questions?
Email:
cisiwebadmin@mycisi.com
Phone: 203-399-5556
World Class Coverage Designed for St. Francis College Students
Self-Enrollment Information and Self-Enrollment Refund Policy
Eligible Participants must enroll for the full duration of their program with St. Francis College. They can enroll for a semester at a time. Enrollments by term/semester are permitted only if subsequent study periods are unknown. The earliest the coverage can begin is two days from enrollment. Rates are based on full semester term and are not prorated. If coverage for another term is not purchased prior to the expiration of the current policy term, Eligible Participants will not be able to retroactively enroll (i.e. backdate the effective date) under any circumstances. Certain policy conditions (such as the waiting period for pre-existing conditions) will automatically reset in the event that coverage periods are not consecutive.
Premium refunds are based on the following:
Premium Refund – If an Eligible Participant cancels prior to their insurance start date, a full premium refund will be issued back to them. Once the policy has started, there are no refunds on the semester rate.
Semester Rates Will Apply for The Following Dates:
To Secure Coverage for the 2023 Fall Semester, August 15, 2023, through January 15, 2024
(be sure to enter the semester dates when prompt for insurance start and end date)
Fall Semester Rate $688
To Secure Coverage for the 2024 Spring Semester, January 16, 2024, through May 12, 2024
(be sure to enter the semester dates when prompt for insurance start and end date)
Spring Semester Rate $527
To Secure Coverage for the 2024 Summer Semester, May 13, 2024 through August 14, 2024
(be sure to enter the semester dates when prompt for insurance start and end date)
Summer Semester Rate $419
To Secure coverage for the Full Year, please enroll again by clicking on the appropriate link above. Please note, if you are enrolling by semester, it is your responsibility to enroll again for the next semester. We do not send out reminders.
Coverage Summary
Schedule of Benefits
| Benefit Description | Benefit Limits |
|---|---|
| Max Benefit Limit per Occurrence | $150,000 |
| Annual Deductible | $50 |
| Pre-Existing Conditions (6 month look back) | $2,500 |
| Coinsurance | 100% for Covered Expenses |
| Out of Pocket Maximum: Copays: | |
| Emergency Room Copay (waived if admitted) | $250 |
| Student Health Center Copay | $0 |
| Physician/Dr. Visit Copay | $0 |
| Hospital/Outpatient Copay | $0 |
| MRI/CAT Scan Copay | $0 |
| Maximum Benefit | 52 weeks |
| Period Incurral Period | 30 days |
| Mental Nervous: Inpatient (up to 30-day max) | Up to $20,000 |
| Mental Nervous: Outpatient (up to 30 visit max) | Up to $10,000 |
| Physiotherapy | Covered / Chiro & Therapeutic Services: $50 per visit, $500 Max |
| Pregnancy (Conception must occur while covered under this plan) | Treated as any other illness |
| Newborn Nursery Care | $500 Max |
| Therapeutic Termination of Pregnancy | $500 Max |
| Prescription Drugs | 100% of Covered Expenses |
| Medical Evacuation | $150,000 |
| Repatriation of Remains | $100,000 |
| AD&D Base ($1M Agg) | $10,000 |
| Emergency Reunion: | $2,000 |
| Hospitalized 3 days | Treated as any other Injury |
| Dental Injury Only | $500 Max / No tooth max |
| Dental Palliative | $500 |
| Trip Delay | 12 hours/Daily $100, up to $500 |
Please contact the Team Assist line by phone at 1-877-714-8179 (in the US) or +001 603-952-2660 (outside of the US - collect calls accepted) or email mail@oncallinternational.com. The Team Assist Emergency Assistance Provider is On Call International. Non-Emergency questions may be directed to CISI at 203-399-5130 (toll free 800-303-8120).