Cultural Insurance Services International
The University of Rhode Island
World Class Coverage Plan Designed For The University of Rhode Island
This plan is provided by Cultural Insurance Services International
and underwritten by Ace American Insurance Company
Register For Blanket Study Abroad Insurance Coverage
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 |
| 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 medassist-usa@axa-assistance.us. 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).