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"Citizen Secure
Formerly International Citizen
- Permanent International Health Insurance Plan"
$5,000,000 in coverage for individuals and
families needing coverage world-wide, including the US and Canada
Citizen Secure formerly
International Citizen Series
- International Individual Major Medical Insurance - Annually renewable, major medical insurance for
individuals and families. US citizens outside the US and non-US citizens
anywhere including your home country, the US or third countries. Both US and
International PPO network of doctors and hospitals (see bottom of this page). Three Plans to Choose From:
CitizenSecureSM
- If you want the plan with the most coverage, this is it
Why Buy International Medical Insurance?
Who is the Plan Administrator?
Who is the Insurer?
Which Coverage Area is Right for Me?
Am I Eligible for CitizenSecureSM?
Is Coverage Under CitizenSecureSM
Renewable?
CitizenSecureSM Senior Plan
How Do I Apply for CitizenSecureSM?
Preferred Provider Network (PPO)
How Do I File a Claim?
Hospital Pre-certification
What Are the Plan Features?
What
Are the Benefits and Policy Limits?
What Are
the Rates?
Why Buy International Medical Insurance?
The Answer is easy. If you are a US citizen living abroad, traditional
sources of US private health insurance will not meet your needs.
Geographical exclusions and provider limitations common to these policies
will restrict or even eliminate the coverage available to you while you are
outside the US. At the same time, you may not be eligible for participation
in the government-sponsored plans in the country where you reside, or you
may wish to have access to worldwide health care, including the US, in the
event you become seriously ill. If you are a non-US citizen, you may need an
international medical insurance policy to supplement the coverage available
to you through a plan sponsored by your government or to provide coverage
while you are outside your home country. If your lifestyle knows no
geographic limits, you need health insurance that knows no boundaries.
MultiNational Underwriters® has designed CitizenSecureSM
to meet your needs.
Who is the Plan Administrator?
MultiNational Underwriters® (MNU), headquartered in Indianapolis, Indiana,
is a full service organization offering a comprehensive portfolio of
insurance products designed specifically to address the insurance needs of
consumers worldwide. MNU's leadership team contributes years of valuable
experience, allowing us to excel in both the domestic and international
insurance markets. Our international claims specialists, medical
professionals and client relations specialists are available 24 hours a day,
7 days a week to answer your questions and respond to your needs. Whether
you have lost your luggage or are in need of Emergency Medical Evacuation,
you will find our service team to be prompt, compassionate, and highly
professional.
Who is the Insurer?
Lloyd's, the largest and oldest insurance market in the world, is the
insurer of CitizenSecureSM. 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.
Which Coverage Area is Right for Me?
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.
Am I Eligible for CitizenSecureSM?
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.
Is Coverage Under CitizenSecureSM
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.
CitizenSecureSM
Senior Plan
Eligibility for the standard CitizenSecureSM plan
ends at age 75, but for those members who joined before age 65 and have
maintained coverage for at least 10 years, the CitizenSecureSM
Senior Plan is available with no medical questions. The CitizenSecureSM
Senior Plan offers many of the same great benefits and limits as the
standard CitizenSecureSM plan. The Senior Plan
deductibles available are $5,000, $7,500, and $10,000. On the Senior plan,
the Overall Maximum Limit is reduced to $1 million. Additionally, the Human
Organ Transplant and Emergency Medical Evacuation benefits are deleted.
How Do I Apply for CitizenSecureSM?
MultiNational Underwriters® offers a variety of easy ways for you to
apply for coverage. To receive a quote and complete an application online,
please
click here.
Applying Online, by Fax, or by Mail
Complete the Online by running quotes for the Platinum, Economy or Premier
and then doing the secure, private, online application. You can also
complete a paper by requesting it from
Citizen Secure Application. Remember, your Application will become a
permanent part of your record as well as part of your Certificate of
Coverage. Answer each question thoroughly and legibly. You may attach
additional sheets if necessary.
Within five business days of receipt of your Application, you will be
informed of whether your Application has been accepted or of any additional
information required for continuing the evaluation of your Application. If
your Application is accepted, you will be informed of the effective date of
coverage, and a fulfillment kit will be sent via mail containing your
Certificate of Coverage, an identification card, a Claimant's Statement, and
instructions on how to use your insurance. In the event that your
Application is not accepted, MultiNational Underwriters® will promptly
refund your premium.
What Should I Expect During the Underwriting Process?
CitizenSecureSM is a medically underwritten plan,
which means that your family's medical status and history will be used to
determine your eligibility for coverage. When Underwriting reviews your
Application, they will evaluate the medical information that you provide and
determine whether coverage can be issued and if Riders are necessary. These
Riders allow Underwriting to issue a Certificate by excluding coverage for
specified conditions.
Additionally, your premium may be impacted by your tobacco and alcohol use,
body build, and family history details. If additional premium is due, you
will be notified after a medical underwriter has reviewed the application.
Preferred Provider Network (PPO)
Coinsurance will be waived for expenses incurred in the US within our
direct-pay PPO. Simply present your identification card at the provider's
office so that they may contact us to verify benefits and billing
information. For your convenience, MultiNational Underwriters® also offers
an international network. Both networks are searchable through Client Zone,
which is accessible with your Certificate number and date of birth once
coverage has been approved.
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.
What Are the Plan Features?
Emergency Medical Evacuation:
CitizenSecureSM provides coverage for Emergency
Medical Evacuation to the nearest medical facility qualified to treat your
life-threatening condition or potential loss of limb. All Emergency Medical
Evacuations must be approved in advance and coordinated by MultiNational
Underwriters®. Emergency Medical Evacuations provide you with access to care
when you need it most. MultiNational Underwriters® is available 24 hours a
day, 7 days a week, to approve and coordinate Emergency Medical Evacuations.
Emergency Reunion:
In the event of a covered Emergency Medical Evacuation, CitizenSecureSM
will provide the following benefits: the cost of an economy round-trip air
and/or ground ticket for one of your Relatives (parent, spouse, sibling or
child age 18 or above) for travel to the area where you are hospitalized
following an 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:
The Optional Dental Rider 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:
The 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.
What Are the Exclusions and Limitations?
The following charges, treatments, care, services, supplies and/or
conditions are excluded from coverage:
 | 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
|
| Charges relating to congenital conditions
|
| 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 |
The following are excluded from the Optional Dental Rider:
| Orthodontia
|
| Sealants, Bleaching and oral hygiene expenses |
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, varicose veins, all types
of cysts, arthritis, and repetitive motion disorders, and any disorder or
disease of the skin.
CitizenSecureSM Assistance Services:
All Assistance Services are available to you 24 hours a day, 7 days a week
while your CitizenSecureSM plan is in effect.
Pre-Trip Health and Safety Advisories (available after your purchase of
CitizenSecureSM and before your departure) - Call
us for current passport, visa, inoculation and vaccine requirements, as well
as up-to-date travel safety advisories.
Livetravel Services - We will make emergency travel and itinerary
changes for you including rebooking flights, hotel reservations and ground
transportation arrangements.
BagTrak - We are the industry leaders in tracking lost checked
baggage. We will help you locate your lost checked baggage and deliver it to
you anywhere in the world.
Emergency Message Relay - We will relay messages to your family,
friends and co-workers, helping you to maintain contact during an emergency.
Emergency Cash Transfers - We will assist you in arranging and
obtaining cash transfers anywhere in the world.
CitizenSecureSM Assistance Services also
include:
| Medical referrals
|
| Up-to-the-minute travel medical advisories
|
| Assistance with prescription drug replacement
|
| Dispatch of a doctor or specialist
|
| Emergency travel arrangements for family members
|
| Lost passport or travel documents assistance
|
| Embassy and consulate referrals
|
| Legal and accounting referrals
|
| Bail bond assistance
|
| Translation and interpretation assistance
|
CitizenSecureSM Assistance Services are not
insurance benefits, and provision of any CitizenSecureSM
Assistance Service is not a guarantee of any other benefit under
CitizenSecureSM.
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For more information please contact:
John K. Arnold
Managing General Agent
International Insurance Website www.insurance-network.com
E-Mail: John K. Arnold
Phone: 407-592-0311
Fax: 407-386-7053
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