Secondary Insurance Information
The most important points to note are that you will be responsible for paying for any upfront medical costs and then submitting receipts to your insurance company. Our policy provides secondary insurance – if your primary insurance denies coverage, this policy covers it. If you do not have primary insurance, this policy will serve as your primary insurance.
Policy Details
Policy for All Programs Outside of the USA: Detailed Policy Brochure
Policy for Programs Within the USA:
For US Residents: Detailed Policy Brochure
For Non-US Residents: Detailed Policy Brochure
Secondary insurance policy: This policy is intended only as a supplement to your primary insurance policy.
On-program only: The policy only covers you once you reach your destination. This means the policy does not cover any travel to and from the program.
Payment for services and submitting a claim: You will need to be able to pay for most services up-front while on the program. Make sure that you ask for receipts of all services and hold onto these. Once you return home you must submit a claim to your own primary insurance policy. You will only need to use the GLA insurance policy if you are denied reimbursement by your insurance carrier. We recommend students bring $200-$300 for small emergency expenses which may come up.
Submitting a claim under your GLA insurance coverage: Should your claim be denied by your own primary insurance policy, you must obtain a letter confirming this from your primary carrier when you submit your claim to the GLA insurance carrier.
International Travel Summary of Benefits (for students traveling outside of their country of residence)
Medical Expenses $50,000 (Pre-Existing Condition limited to $5,000)
Accidental Death $10,000
Emergency Medical Evacuation $100,000
Emergency Medical Reunion: $3,000
Repatriation/Return of Mortal Remains $100,000
Security Evacuation $50,000 (coverage only available outside of the US)
Trip Interruption: $3,000
Quarantine: $1,000
Domestic Travel Summary of Benefits (for students traveling within their country of residence; at least 100 miles from their permanent residence.)
Emergency Medical Evacuation $100,000
Repatriation/Return of Mortal Remains $100,000
If you would like to purchase additional travel insurance that can provide coverage for higher amounts and also includes added benefits such as trip cancellation coverage, baggage coverage, and more, we recommend battleface travel insurance.
How To Submit a Claim Form:
A claim form should be completed. Please be sure to include a brief description of the accident or illness that treatment was received for. The claim form will need to be submitted with any itemized bills that you have.
Instructions:
Complete and sign the medical claim form, indicating whether the Doctor/Hospital has been paid.
Attach itemized bills for all amounts being claimed. *We recommend that you either make photocopies of the originals for yourself, or keep the originals and submit the photocopies to CISI in case anything gets lost in the mail.
When reimbursement of an expense is approved, it will be made to the provider of the service unless the bill is noted as having been paid by you.
Payment will be mailed in U.S. dollars unless otherwise requested.
If the payment is to you, it will be mailed to your U.S. address unless otherwise requested.
A claim form reimbursement can be made by submitting the prescription receipt and a completed claim form. The prescription receipt is normally stapled to the outside of the pharmacy bag and includes your name, your physician’s name, the name of the medication, the dosage and the amount charged. Cash register receipts will not be considered for reimbursement. If you no longer have the prescription receipt most pharmacies can reprint it for you. Reimbursement claims cannot be processed with register receipts.
For claim submission questions, call (203) 399-5130, or e-mail claimhelp@mycisi.com.