APPENDIX TO POLICY
Worldwide Travel Accident Insurance Coverage
NOTE: This appendix is intended for faculty and staff traveling internationally on University business. Students planning to travel should contact the Education Abroad Office on their campus and refer to Administrative Policy: Education Abroad Opportunities: Addressing Health and Safety Risks.
Coverage for UPlan Members
The FrontierMEDEX program provides UPlan members with worldwide emergency medical assistance - including assistance with emergency evacuations and repatriations - and other travel assistance services when you are 150 or more miles away from home.
Coverage is for any travel - business or personal - and is available 24 hours a day, seven days a week, 365 days a year.
You are automatically enrolled in the program when you enroll in any of the current University of Minnesota medical plans. There is no additional cost for this benefit.
Information on the complete FrontierMEDEX program is available at Human Resources Website http://www1.umn.edu/ohr/benefits/medical/medex/ or you can contact the Employee Benefits Service Center at (612) 624-9090 or 800-756-2363, option 2.
Comprehensive Travel Health and Security Insurance (CISI)
All University of Minnesota faculty and staff are required to purchase CISI insurance when traveling abroad, if they are not covered by FrontierMEDEX through a U-Plan or if they are traveling with students. Additionally, some departments (including GPS Alliance) do require their staff to have CISI for all international travel. All faculty and staff have the option of obtaining this additional coverage, and the cost is a reimbursable travel expense.
Why do faculty and staff choose to obtain CISI coverage on top of their FrontierMEDEX benefits?
FrontierMEDEX does not provide international health insurance but simply facilitates use of your U.S. health insurance benefits for care overseas. If you receive medical care while abroad it will be your insurer (e.g., Medica) that you will work with. For many employees out-of network limits (commonly 80%-20%) may apply. With CISI, you’ll receive 100% coverage within the limits of the policy and the ease of working with a company who’s number one job is working with overseas travelers. They typically do not reject claims that are commonly rejected by U.S. insurance companies. Both CISI and FrontierMEDEX provide medical evacuation and repatriation coverage to cover employees in the most dire of situations. CISI provides security insurance that is not provided by FrontierMEDEX.
What are the details for the University of Minnesota’s CISI policy?
The U of M’s CISI policy provides no deductible, no co-pay basic medical coverage including doctor’s visits, hospitalization, prescription drugs, and more. It also includes mental health care, pre-existing conditions, a family reunion benefit, replacement of broken/lost contacts/glasses, and travel assistance as well as medical and security evacuation and repatriation/return of mortal remains.
How do I use CISI while abroad?
When you need medical care you will pay for the service and submit receipts for reimbursement using the form included with the policy. If the medical cost is high or the situation is an emergency, CISI can arrange direct payment to the hospital.
For more information and to purchase the coverage visit http://global.umn.edu/travel/insurance/index.html or call Global Programs and Strategy Alliance (GPS Alliance) at 612-624-5580.