Understanding International Risk and The Texas A&M System/CISI International Travel Benefits Program g
Provide a brief overview of international travel statistics within The Texas A&M System Discuss the exposures associated with international travel Outline O li The Th S System s international i i l travell service company CISI Explore the benefits associated with The System s international travel coverage
Total Number of Trips Total Number of Students Total Number of Faculty and Staff Total Student/Faculty/Staff Percentage g of Student Body y Traveling g Overseas Percentage of Faculty/Staff Traveling Overseas Percentage of All Associates Traveling Overseas IInternational t ti l Presence P in: i Mexico Qatar Costa Rica Italy,79 8,3,757,98 6% 9% 6%
Top Travel Abroad Locations # 3 4 5 6 7 8 9 Country Mexico China S i Spain Germany United Kingdom France Italy Iraq Russia Costa Rica Average # Average A A # of of Students Employees Per Trip # of Trips Per Trip 5 7 5 35 3.5 7 4 6 3 89 3 54 3 4 5 4 5
Top Travel Abroad Locations By Student Group Size # 3 4 5 6 7 8 9 Country Fiji Zambia P l d Poland Austrailia Slovenia Singapore Switzerland Russia Costa Rica Dominican Republic Average # Average # of of Students Employees Per Trip # of Trips Per Trip 9 6 4 7 7 9 7 6 6 34 6 4 5 4 5 7 5
Top Travel Abroad Locations By Employee Group Size # 3 4 5 6 7 8 9 C t Country Iraq Rwanda E hi i Ethiopia Taiwan Guatemala Rwanda Zambia Honduras Paraguay Netherlands Antilles Average # Average # of of Students Employees P Trip Per Ti P Trip Per Ti # off T Trips i 54 3 7 34 6 4 5 7 5 8 4 6 4 3 5 3 3
Bottom Travel Abroad Locations By Student Group Size # 3 4 5 6 7 8 9 3 Country Cuba El Salvador Ghana Guam Ivory Coast Macedonia Mali Mongolia Netherlands Antilles Ukraine Zambia Average # Average # of of Students Employees Per Trip Per Trip # of Trips 3 6 4
So, what can happen when traveling internationally?
Bob, this is Xaing. g I am a nurse here in Urumqi, q China. We have a Walter Smith who is unconscious. We found your business card in his wallet. When can you arrive to pick him up? He is still unconscious. He should travel quietly How do H d you plan l to t pay the th $4,568 $4 568 iin medical di l bills? We will not release him until it is paid. His wallet had no cash and his credit card was declined.
If we recovers, he does have the option of working off the balance due in the local state run rock quarry. How do you Ho o plan la o on getting etti hi him ho home? e? We ha have e pack ack mules for rent if they would be your preferred method. Walking is always acceptable There is a lull in the Central Committee s effort to repel the rebel insurrection. Now is a good time to get him out When can we expect you?
Share you ideas about what may have befallen our dear Walter
Travel Related: Auto, plane or mule accident Medical Related Stroke, St oke hea heartt attack, attack diabete diabetes Crime Related Mugging, robbery, burglary, drugs War Related Insurrection, regional conflict Weather Tornado, flooding, high winds Culture Related Intentional/Unintentional law breaking breaking, police authorities
Make sure he is getting adequate care Provide medical bill payment assistance Assist with travel arrangements home Contact next of kin or emergency contacts Help him recover his passport Get him home!
Employee Injury Student Injury Employee p y Sickness Student Sickness Natural Disasters Political Unrest Abduction Lost L t luggage l Lost Passport Lost cost of overseas program
Cultural Insurance Services International (CISI)
Cultural Cultural Insurance Services International (CISI) is the leading provider of study abroad and international student insurance coverage. Since 99, they have insured over million international students and cultural exchange participants i i worldwide. ld id Their participants travel to more than countries annually - from Costa Rica, to Italy, to Brazil, to Egypt, to China etc Offices in the United Kingdom, Germany, South Africa, and Australia
Provides P id coverage ffor short h t tterm ttrip i exposure For employees, can fill the coverage gap for injuries not covered under System worker s compensation plan Provides compensation where employer provided health insurance benefits may not apply Provides students with accident medical coverage with little or no out of pocket expense
Provides P id emergency medical di l and d security evacuation coverage For longer term expatriate situations, discussions should occur with Insurance Manager Kathy Miller for proper method of covering exposure (additional costs ma be req may required) ired)
State Department Travel Alerts and Warnings Primary Insurance-know Insurance know what it does and doesn t pay Strongly consider accident medical/emergency evacuation coverage via CISI Research country specific informationred4
Rosters Medical Provider Information Country Security Information Other Services
Employee Blanket Plan #GLB934664E Student Plan #GLB934664 Roster Upload Self Enrollment Dependent/Spouse Enrollment Mi Microsoft ft Office Offi d 97-3 Docum
When Calling g For Assistance: If anyone y calls in, they y should refer to the policy number and/or Texas A&M University System (especially for the employee blanket plan). Evacuations: All evacuations/repatriations must be arranged by the assistance company in order for benefits to be p payable. y For this reason, it is a good g idea to bring g CISI into the loop with complicated hospitalizations if you are made known of the situation by the student or employee before CISI. This will probably be more of an issue with the blanket evacuation plan as opposed to the full plan, since historically speaking, CISI should already be in the loop for any hospitalizations on the full-rostered student plan p
Student Med/Security/Accident y Medical Integration: In the p past,, service in times of an emergency g y was hindered because our previous emergency evacuation vendor would not coordinate with our accident acc de t medical ed ca insurance su a ce vendor. ve do Now this is all under a single plan through CISI so coordinating payment of medical bills for release from the medical facility for evacuation will be seamless
Rate For Students Only: The accident medical rates for students which includes medical/security evacuation and program fee refund coverage are as follows: Weekly Rate (Up to 3 weeks): $9.36 Monthly Rate Over three weeks): $3.9 $3 9 Roster Enrollment Microsoft Office el 97-3 Worksh
Single Point of Contact: Emily Davis of CISI serves as the single point of contact between System Members and CISI. She will serve as our liaison for account information, benefit coordination, enrollment issues and evacuation i cases. Please ease wo work tthrough oug TAMU MU Insurance su a ce Manager Kathy Miller for any questions or needs
Benefits Benefits-Employee Employee Plan Team Assist Plan (TAP): 4/7 medical, travel, t h i l assistance technical i t Emergency g y Medical Evacuation up p to $,, Repatriation/Return of Mortal Remains up to $ $, Security Evacuation (Comprehensive) up to $,
Benefits-Student Plan Accidental Death Per Insured $5, (participant); $5, (spouse); $, (child) Medical expenses (per Accident or Sickness): Zero Deductible Basic Medical $5, at % Home Country Coverage Limit $, Emergency Medical Reunion $3, Return Ticket $,
Benefits Benefits-Student Student Plan Program Fee Refund $5, (Continued) Travel Delay $5 Team Assist Plan (TAP): 4/7 medical, travel, technical assistance Emergency Medical Evacuation up to $, Repatriation/Return of Mortal Remains up to $, Security Evacuation (Comprehensive) up to $,
Student Enrollment Reference Insurance Manager Kathy Miller Employee Website Username: tamusemployee@culturalinsurance.com Password: TAMUSEVAC