The University of Rhode Island


World Class Coverage Plan Designed For The University of Rhode Island Participants and their Dependents

This plan is provided by Cultural Insurance Services International and underwritten by Ace American Insurance Company

If your Spouse or Child is accompanying you, please re-click on Enroll Now again.

Coverage Summary for Policy

GLM N14285581

Coverages and Services Maximum Limits
Accidental Death & Dismemberment:
Per Insured $10,000
Aggregate Limit Per Accident $1,000,000
Medical Expense (per Accident or Sickness):
Deductible $0 (zero)
Basic Medical $250,000 @100%
Accidental Dental 100% of Covered Expenses, up to policy limits
Pre-existing Conditions Coverage Limit Primary up to the first $10,000, thereafter Secondary up to policy max
Mental and Nervous Inpatient up to $5,000, Outpatient up to $2,500
Prescription Drugs (Inpatient/Outpatient) 100%
Physiotherapy If recommended by a Physician and administered by a licensed physiotherapist
Specified Therapies and Spinal Manipulation, including acupuncture and physiotherapy:
Outpatient Limit Max of $50/visit; maximum of 10 visits; $500 overall maximum
Emergency Medical Evacuation $100,000
Repatriation/Return of Mortal Remains $100,000
Security Evacuation Comprehensive $100,000 ($1M aggregate limit)
Emergency Medical Reunion $3,000 ($300/day,10 day max) Hospitalized after 5 days
24/7 Team Assist Package & CISI Crisis Team Included
Trip Delay Up to $1,000
Trip Cancellation Up to $1,000
Personal Liability Up to $500,000 (Aggregate limit per insured $500,000)
Medical Payments to Others $25,000
Payment of Deductible under Homeowners Insurance $1,000
Personal Property Benefit Up to $3,000 max per trip, benefit max per item or set of items $1,500

Please contact the Team Assist line by phone at +1 312-935-1703 (collect calls accepted) or email The TeamAssist Emergency Assistance Provider is AXA Assistance.
Non-Emergency questions may be directed to CISI at 203-399-5130 (toll free 800-303-8120).