Benefits
Exclusions
Rates
Claims
FAQ
Downloads
TheCitizen Secure Plan is available to citizens of all countries of the world and is one of the most comprehensive medical insurance products available, featuring a $5,000,000 lifetime limit, worldwide medical coverage, Maternity benefits, Mental Health benefits, Wellness benefits and Emergency Medical Evacuation benefits. CitizenSecureSM offers two coverage areas: including the US and Canada and excluding the US and Canada. If you desire worldwide coverage, select the "Including the US and Canada" option. If you do not need or desire coverage in the US or Canada, you may obtain lower premiums by selecting the "Excluding the US and Canada" option.
BENEFITS:
BENEFIT |
Option 1 - Including the US and Canada
Option 2 - Excluding the US and Canada |
Overall Maximum Limit |
$5,000,000 Lifetime |
Deductibles Available |
$250, $500, $1,000, $2,500 or $5,000 per Certificate Period |
Family Deductible |
Maximum of 3 Deductibles per family per Certificate Period |
Coinsurance -- Claims incurred in US or Canada |
80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO |
Coinsurance -- claims incurred outside US or Canada |
100% of Eligible Expenses after the Deductible to the Overall Maximum Limit |
Hospital Room and Board -- In US or Canada* |
Average Semi-private room rate |
Hospital Room and Board -- Outside US or Canada |
Average Private room rate |
Intensive Care Unit -- In US or Canada* |
Usual, Reasonable and Customary |
Intensive Care Unit -- Outside US or Canada |
Usual, Reasonable and Customary |
Prescription Drugs |
Usual, Reasonable and Customary Subject to Deductible and Coinsurance |
Mental Health Disorders |
$10,000 per Certificate Period, $25,000 Lifetime Maximum, $50 Maximum per visit per day for outpatient care (after 12 months of continuous coverage) |
Maternity -- Normal or Complicated Delivery |
After the Deductible, Underwriters will pay 50% of the next $100,000 of Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000. Covered Maternity expenses include pre-natal, Delivery, and post-natal care (after 12 months of continuous coverage) |
|
|
Maximum for Maternity |
$250,000 Lifetime |
Newborn Care |
Included as part of Maternity benefits for a maximum of 60 days |
Pre-existing Conditions |
Same as any other Injury or Illness if disclosed on Application and not excluded or limited by Rider |
Local Ambulance |
Usual, Reasonable and Customary |
Physical Therapy |
$50 Maximum per visit per day |
Wellness |
$50 per visit (including immunizations), maximum of three visits per year for children under the age of 19 (after 12 months of continuous coverage). $250 per Certificate Period (after 12 months of continuos coverage) for Members age 30 or older. Females age 40 and over: $100 for a screening mammogram. Not Subject to Deductible |
Human Organ/Tissue Transplants |
Same as any other Illness for Covered Transplants** |
All Other Eligible Expenses |
Usual, Reasonable and Customary |
Emergency Medical Evacuation |
$50,000 Lifetime Maximum |
Repatriation of Remains |
$25,000 Limit |
Emergency Reunion |
$10,000 Lifetime Maximum |
Pre-notification Penalty |
50% |
* Benefits within the US and Canada are not available to applicants electing Option 2 as their Coverage Area.
**Covered transplants include Heart/Lung, Lung, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow. |
OTHER BENEFITS:
Emergency Medical Evacuation to the nearest medical facility qualified to treat your life-threatening condition (must be approved in advance and coordinated by MultiNational Underwriters).
Emergency Reunion: the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Medical Evacuation, and reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days.
Repatriation of Remains: In the event of a covered Injury or Illness resulting in your death, the plan will provide the following benefit: air and/or ground transportation of bodily remains or ashes to the area of your principal residence and reasonable cost of preparation of the remains necessary for transportation.
Wellness:
After 12 months of continuous coverage, you may be eligible for Wellness benefits that are not subject to the Deductible. If you are at least 30 years of age, you will be entitled to the following Wellness benefit: $250 per Certificate Period for a Routine Physical Exam, including OB/GYN visits for females. Additionally, females who are at least 40 years of age will be entitled to the following benefit: $100 per Certificate Period for a screening mammogram. If you are under the age of 19, you will be entitled to the following Wellness benefit: $50 per visit (including immunizations) with a maximum of three visits per Certificate Period.
Optional Dental Insurance provides important benefits for families including Preventative care for children and Basic and Major Dental Benefits for both children and adults. Preventative Benefits include routine oral exams and x-rays, cleaning and fluoride treatments. Basic Benefits include periodontics, endodontics, extractions and fillings. Major Benefits include crowns, bridges and dentures. The CitizenSecureSM Optional Dental Rider is a must for families as well as individuals. Coverage is provided worldwide at your choice of dentists.
Optional Sports Rider is a must-have addition for your extreme sports lifestyle. Whether your interests include mountaineering, skydiving, or whitewater rafting, electing the Sports Rider option will add coverage up to a lifetime maximum of $25,000 for these activities excluded by the standard plan. Coverage for Contact Sports, such as soccer or hockey, is added up to a lifetime maximum of $5,000. The Sports Rider adds coverage for sports and athletics except those activities engaged in for wage, reward, or profit.
Pre-existing Conditions:
If your Pre-existing Conditions have been fully disclosed on your Application and not excluded or restricted by a Rider or any other provision of your Certificate, your Pre-existing Conditions are covered the same as any other Illness or Injury as of your effective date. Pre-existing Conditions include any Injury, Illness or Mental Health Disorder that existed at or prior to your initial effective date, including chronic or recurring conditions.
EXCLUSIONS:
Eligibility:
CitizenSecureSM is available to citizens of all countries of the world who are at least age 14 days and not older than age 74. If you are a US citizen, you must reside outside the US, or plan to depart the US within 30 days of the effective date. If you are a US citizen, you must also reside outside the US for at least 6 months within each Certificate Period. Citizens of other countries may reside anywhere, including their country of citizenship. Optional Term Life Insurance is not available to residents of the US, regardless of your citizenship.
Other Exclusions:
- Charges not incurred during the Certificate period
- Services or treatment payable by another insurance or government
- Substance abuse
- Charges which exceed Usual, Reasonable and Customary
- Investigational or experimental surgeries or treatment
- Custodial, educational or rehabilitative care
- Weight modification
- Cosmetic surgery, unless reconstructive surgery is directly related to a covered Injury or Illness
- Charges for use of Emergency Room for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness
- Individuals HIV+ at effective date
- Drugs or treatment for sexual dysfunction
- Drugs or treatment to promote or prevent conception
- Devices or procedures to correct sight or hearing
- Self-inflicted Injury or Illness
- Foot care, unless related to a covered accidental Injury
- Treatment or supplies not ordered by a physician or not medically necessary
- Organ transplants, except for covered transplants
- Speech, acupuncture, occupational or sleep therapy
- Acts of terrorism, war, insurrection, riot or any variation thereof
- Dental treatment, except emergency treatment following a covered accident, or unless Dental Rider is purchased
- Orthodontia (Dental Rider Exclusion)
- Sealants, Bleaching and oral hygiene expenses (Dental Rider Exclusion)
This is a summary of the exclusions contained in the Certificate of Insurance. See the Certificate of Insurance for a complete list of exclusions.
Special Illness Exclusion:
The following conditions which manifest themselves within the first 180 days of coverage are excluded: Any condition of the breast, prostate, the reproductive system, tonsils, adenoids, hemorrhoids, hernia, gallstones, kidney stones, glaucoma, cataracts, disk disease, all types of cysts, and any disorder or disease of the skin.
RATES:
Rate Table - Medical Coverage Excluding the US and Canada |
|
$250 Deductible |
$500 Deductible |
$1,000 Deductible |
$2,500 Deductible |
$5,000 Deductible |
Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
14 days to 9* |
$408 |
$408 |
$344 |
$344 |
$262 |
$238 |
$236 |
$236 |
$226 |
$226 |
10 to18* |
$429 |
$429 |
$360 |
$360 |
$279 |
$279 |
$252 |
$252 |
$242 |
$242 |
19-24 |
$952 |
$1,634 |
$819 |
$1,541 |
$639 |
$1,108 |
$562 |
$982 |
$483 |
$807 |
25-29 |
$987 |
$1,810 |
$858 |
$1,701 |
$669 |
$1,225 |
$583 |
$1,084 |
$534 |
$885 |
30-34 |
$1,090 |
$2,024 |
$957 |
$1,887 |
$746 |
$1,405 |
$661 |
$1,245 |
$567 |
$1,021 |
35-39 |
$1,133 |
$2,227 |
$995 |
$2,032 |
$776 |
$1,556 |
$677 |
$1,375 |
$621 |
$1,103 |
40-44 |
$1,455 |
$1,893 |
$1,286 |
$1,691 |
$998 |
$1,319 |
$802 |
$1,165 |
$717 |
$930 |
45-49 |
$1,642 |
$1,984 |
$1,462 |
$1,791 |
$1,136 |
$1,394 |
$1,002 |
$1,231 |
$817 |
$948 |
50-54 |
$1,996 |
$2,154 |
$1,794 |
$1,958 |
$1,399 |
$1,528 |
$1,269 |
$1,387 |
$1,038 |
$1,132 |
55-59 |
$2,526 |
$2,485 |
$2,345 |
$2,279 |
$1,804 |
$1,781 |
$1,611 |
$1,615 |
$1,356 |
$1,320 |
60-64 |
$3,572 |
$3,367 |
$3,303 |
$3,098 |
$2,766 |
$2,561 |
$2,524 |
$2,334 |
$2,094 |
$1,852 |
65-69 |
$7,378 |
$6,435 |
$7,110 |
$6,165 |
$6,573 |
$5,626 |
$5,111 |
$4,253 |
$4,433 |
$3,743 |
70 |
$8,806 |
$7,614 |
$8,530 |
$7,346 |
$7,979 |
$6,795 |
$6,291 |
$5,107 |
$5,457 |
$4,414 |
71 |
$9,219 |
$7,978 |
$8,943 |
$7,704 |
$8,392 |
$7,152 |
$6,626 |
$5,385 |
$5,747 |
$4,654 |
72 |
$9,572 |
$8,281 |
$9,299 |
$8,008 |
$8,754 |
$7,463 |
$6,914 |
$5,624 |
$5,997 |
$4,861 |
73 |
$9,935 |
$8,586 |
$9,665 |
$8,316 |
$9,125 |
$7,776 |
$7,213 |
$5,862 |
$6,257 |
$5,067 |
74 |
$10,419 |
$8,997 |
$10,148 |
$8,726 |
$9,608 |
$8,186 |
$7,597 |
$6,174 |
$6,590 |
$5,336 |
*Medical coverage for the first 2 children age 14 days to 9 years is free only when both parents are insured under the same plan. The Dependent Child rate is only available when at least one parent (guardian) is insured under the same plan. Dependent children alone must pay the age 19 to 24 Male rate. |
Rate Table - Medical Coverage Including the US and Canada |
|
$250 Deductible |
$500 Deductible |
$1,000 Deductible |
$2,500 Deductible |
$5,000 Deductible |
Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
14 days to 9* |
$523 |
$523 |
$441 |
$441 |
$336 |
$336 |
$303 |
$303 |
$289 |
$289 |
10 to 18 |
$550 |
$550 |
$462 |
$462 |
$358 |
$358 |
$323 |
$323 |
$310 |
$310 |
19-24 |
$1,221 |
$2,096 |
$1,051 |
$1,976 |
$820 |
$1,420 |
$721 |
$1,258 |
$619 |
$1,034 |
25-29 |
$1,265 |
$2,321 |
$1,100 |
$2,181 |
$858 |
$1,571 |
$747 |
$1,389 |
$684 |
$1,134 |
30-34 |
$1,397 |
$2,595 |
$1,227 |
$2,419 |
$957 |
$1,802 |
$847 |
$1,596 |
$727 |
$1,309 |
35-39 |
$1,452 |
$2,855 |
$1,276 |
$2,605 |
$996 |
$1,994 |
$868 |
$1,763 |
$796 |
$1,414 |
40-44 |
$1,796 |
$2,338 |
$1,587 |
$2,088 |
$1,232 |
$1,628 |
$990 |
$1,439 |
$886 |
$1,148 |
45-49 |
$2,027 |
$2,450 |
$1,805 |
$2,211 |
$1,403 |
$1,722 |
$1,238 |
$1,520 |
$1,009 |
$1,170 |
50-54 |
$2,464 |
$2,659 |
$2,214 |
$2,417 |
$1,727 |
$1,887 |
$1,566 |
$1,713 |
$1,282 |
$1,398 |
55-59 |
$3,080 |
$3,031 |
$2,860 |
$2,780 |
$2,200 |
$2,171 |
$1,965 |
$1,970 |
$1,653 |
$1,609 |
60-64 |
$4,356 |
$4,106 |
$4,028 |
$3,779 |
$3,373 |
$3,123 |
$3,078 |
$2,847 |
$2,553 |
$2,258 |
65-69 |
$8,998 |
$7,847 |
$8,670 |
$7,519 |
$8,016 |
$6,861 |
$6,233 |
$5,187 |
$5,407 |
$4,565 |
70 |
$10,610 |
$9,173 |
$10,277 |
$8,851 |
$9,613 |
$8,187 |
$7,580 |
$6,153 |
$6,575 |
$5,319 |
71 |
$11,107 |
$9,612 |
$10,775 |
$9,282 |
$10,111 |
$8,617 |
$7,983 |
$6,488 |
$6,925 |
$5,608 |
72 |
$11,532 |
$9,977 |
$11,204 |
$9,648 |
$10,547 |
$8,991 |
$8,330 |
$6,776 |
$7,226 |
$5,856 |
73 |
$11,970 |
10,344 |
$11,645 |
$10,019 |
$10,993 |
$9,369 |
$8,690 |
$7,063 |
$7,538 |
$6,105 |
74 |
$12,553 |
10,839 |
$12,227 |
$10,514 |
$11,576 |
$9,863 |
$9,153 |
$7,438 |
$7,940 |
$6,430 |
*Medical coverage for the first 2 children age 14 days to 9 years is free only when both parents are insured under the same plan. The Dependent Child rate is only available when at least one parent (guardian) is insured under the same plan. Dependent children alone must pay the age 19 to 24 Male rate. |
CLAIMS:
How Do I File a Claim?
Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains Claimant's Statement and Authorization forms. Just complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to MultiNational Underwriters®. Be sure to complete your Claimant's Statement entirely and sign it. If you have already paid certain expenses, attach copies of your payment receipts. You will be reimbursed for eligible medical or dental expenses. In many cases, MultiNational Underwriters® will make payments directly to the hospital or physician that treated you. Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.
Pre-certification
CitizenSecureSM plans require Pre-certification, which simply means that you must contact MultiNational Underwriters® as soon as possible before a planned hospitalization or surgical procedure, within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy. Pre-certification allows us to establish contact and make payment arrangements with your providers, negotiate discounts which will benefit both you and us, pre-arrange future care, and plan for your claim. Pre-certification helps us help you. .
F.A.Q.:
Who is the Plan Administrator?
MultiNational Underwriters, headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of international travelers. MNU is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.0 billion, shareholders’ equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.
Who is the Insurer?
Lloyd’s, the largest and oldest insurance market in the world, is the insurer of the International Citizen Series. Rated A (Excellent) by AM Best Company and A (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.
Is Coverage Under The Citizen Secure Renewable?
Yes. CitizenSecureSM products are annually renewable. There are no medical questions at renewal. Renewal is only subject to your continued eligibility and timely payment of premiums. Your renewal premium will be the same as all persons of the same Certificate origination year, age and gender. If you purchase coverage before you reach the age of 65, and maintain coverage continuously for 10 years, subject to continued eligibility, you will automatically be eligible to apply for the CitizenSecureSM Senior Plan with no medical questions.
DOWNLOADS:
Citizen Secure BROCHURE PDF
Citizen Secure Claim Form
Back to Top
|
