Insurance

During your stay in Barcelona you are insured. Most likely you are insured through Cultural Insurance Services International (CISI), Geoblue Insurance, or Gallagher Global Assistance. 

The Hospital HM Delfos has direct billing with CISI (which means that you don't have to pay upfront). If you have another type of insurance, are a student on a Customized Program, or go to any other hospital, you may need to pay up-front first, and later make a claim to be reimbursed (SEE BELOW HOW TO MAKE A CLAIM).

Our insurance plan provides comprehensive insurance coverage and some travel assistance. Before your arrival in Barcelona, your insurance identification card was emailed to you. It is important that you understand that this is not a travel insurance plan - it is health insurance and it will only cover illnesses or conditions that you experience while you are on the program from the start date until the program end date. This is important to know if you are traveling before or after the program.

You should print a copy of your insurance card and always carry it with you. 

Why would I need to ask for a reimbursement? If you went to a hospital and you paid the medical visit or medicine upfront because that hospital or clinic doesn't work with your insurance, you will need to contact your insurance company and ask for a reimbursement.

It is very important that you keep the invoice or receipt and the medical report. Without these documents, you won't be able to claim your reimbursement.

1ST: Download and fill out the claim form from the CISI website.

2ND: Contact CISI via email at claimhelp@mycisi.com and request the reimbursement. It is important that you attach the Invoice and the Medical Report to the email. Write your policy number and full name as the subject of the email. 

3RD: They will respond to you with the information that they need in order to proceed with the payment. 

4TH: If they don't answer your email within 48 hours, you can also call them at +1 (312) 935 1703.

1ST: Contact Geoblue via email at globalhealth@geo-blue.com and customerservice@geo-blue.com and request the reimbursement. It is important that you attach the Invoice and the Medical Report in the email. Write your policy number and full name as the subject of the email.  

2ND: They will respond to you with the information that they need in order to proceed with the payment. 

3RD: If they don't answer your email within 48 hours you can call them at +1 610 254 8771. 

If you are an Illinois student check the Illinois Gallagher website here and their mobile guide here. 

To submit a Claim for Reimbursement to the international insurance provider, please follow these steps within 90 days of receiving care:

1. Obtain receipts for all payments for medical care with a description of services and the amount paid. Receipts must be translated to English before submission to Health Special Risk. (see Step #4)

2. Make copies of all documents.

3. Fully complete the appropriate claims form: Student Claim Form (https://safetyabroad.illinois.edu/_docs/student-claim-form.pdf)

4. If needed: Students can request translation services by contacting the international insurance email (GallagherGlobalAssistance@ajg.com). Be sure to send copies of the completed Claims Form and all receipts. Gallagher will submit the claim on your behalf, so you do not need to complete Step #5 if you request translation services.

5. Submit your “Study Abroad Claims Form” and all receipts/documents within 90 days of receiving care, via email or mail, to:
   Email: Gallagher@hsri.com
   Address:
   Health Special Risk, Inc.
   4100 Medical Parkway
   Carrollton, TX 75007.

6. Include the case number provided at the time of treatment, if applicable, in any correspondence regarding your claim.

7. If they don't answer your email within 48 hours you can call Axa Partners (They manage medical claims for Gallagher Assistance in order to provide active assistance to anyone outside the USA) at +1-312-935-9242.