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Wherever you go, our worldwide
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We at Sunburst International Risk Management are dedicated to being your trusted source for global risk assessment and mitigation consulting and training services. Whether you travel for business, leisure, adventure, or study, the best way to ensure an enjoyable, productive, and safe trip is to be aware of what types of problems you may encounter, take steps to prevent problems before they happen, and be prepared to deal with problems if they do occur. We focus on the things that we believe matter most to our clients - helping them learn how to reduce the uncertainties of international travel and providing them with global protection and peace of mind. We are committed to delivering individualized services, risk assessment expertise, and carefully considered advice to our clients. We are proud to provide superior global protection and peace of mind to international travelers in over 100 countries.


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BROCHURE, RATES and APPLICATION

1.gif (1839 bytes)nternational c.gif (2073 bytes)itizen e.gif (2009 bytes)conomy
Renewable Long-Term International Medical Insurance
for U.S. Expatriates , International Students, Visiting Families, Missionaries,
Foreign Dignitaries, Non-US Citizens, Retirees Overseas, MultiNational Employees

arrow.gif (61 bytes) Rates and Application at the bottom of this page.

globe3.gif (1126 bytes) 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 health care in other countries, 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. International Citizen Economy has been designed to meet the needs of budget conscious International Citizens who want reliable, affordable coverage.

globe3.gif (1126 bytes) Who is the Insurer?
These plans are underwritten by Lloyd's, London, the largest and oldest insurance market in the world, with 317 years of experience insuring individuals and corporations internationally. Rated A by AM Best Company and A 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.

globe3.gif (1126 bytes) Am I Eligible for International Citizen Economy?
International Citizen Economy 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.

note.gif (85 bytes) If you reside reside in Florida or have a mailing address in Florida, please contact us at 877-211-3654 or Info@internationalriskmanagement.com before submit your application for ICE.

globe3.gif (1126 bytes)
Is Coverage Under International Citizen Economy Renewable?
Yes. International Citizen Economy is annually renewable. There are no medical questions at renewal. Renewal is only subject to your continued eligibility and 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 International Citizen Senior Plan with no medical questions.

globe3.gif (1126 bytes) How Do I Apply for International Citizen Economy?

arrow.gif (841 bytes) Click here for Instant Quotes & Online Application
note.gif (85 bytes)
If you reside in Florida or have a mailing address in Florida, please contact us at 877-211-3654 or Info@internationalriskmanagement.com before submit your application for this plans.

Within 5 business days of receipt of your Application, you will be informed as to the acceptance of your Application and your Effective Date, or of any additional information required to continue the evaluation of your Application. Answer each question thoroughly and legibly, and attach additional sheets if necessary.
If your Application is not accepted,
our Underwriters will promptly refund your premium.
If your Application is accepted, you will receive a fulfillment kit containing your Certificate of Coverage, an identification card, a claim form, and instructions on how to use your insurance.

globe3.gif (1126 bytes) How Do I File a Claim?
Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains a Claimant's Statement and Authorization form. Just complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to the plan Administrator. Be sure to complete your claim form entirely, sign it, and indicate a convenient time and location to contact you in the event questions arise. If you have already paid certain expenses, attach copies of your paid receipts. You will be reimbursed for eligible expenses. In many cases, the plan Administrator will make payment directly to the hospital or physician who treated you. Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.

globe3.gif (1126 bytes) Pre-certification
International Citizen Economy contains Pre-notification provisions. Pre-notification simply means that you must contact the plan Administrator as soon as possible before a planned hospitalization or surgical procedure, or within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy. Pre-notification 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-notification helps us help you.

globe3.gif (1126 bytes) What Are the Plan Features?

arrow.gif (841 bytes) Pre-existing Conditions:
If your Pre-existing Conditions have been fully disclosed on your Application and not excluded or restricted by any other provision of your Certificate, your Pre-existing Conditions are covered up to $5,000 per Certificate Period and $50,000 Lifetime limit after you have been insured continuously for 24 months. 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.

arrow.gif (841 bytes) Acute Onset of Pre-existing Condition:
If your Pre-existing Conditions have been fully disclosed on your Application and the conditions are not excluded or restricted by any other provision of your Certificate, you are covered for an Acute Onset of Pre-existing Condition up to $1,000 during the first 12 months of coverage and up to $2,500 during the second 12 months of coverage hereunder. An Acute Onset of a Pre-existing Condition is a sudden, unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning, either in the form of Physician recommendations or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Schedule of Benefits & Limits

Benefits

Limits

Coverage Area Worldwide
Overall Maximum Limit $5,000,000 Lifetime
Deductibles Available $250, $500, $1,000, $2,500 or $5,000 per person per Certificate Period
Coinsurance -- Claims incurred in US or Canada 80% of the next $5,000 of Eligible Medical 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 Medical Expenses after the Deductible to the Overall Maximum Limit
Acute Onset of Pre-existing Condition $1,000 during the first Certificate Period and $2,500 during the second Certificate Period
Pre-existing Conditions $5,000 per Certificate Period subject to a Lifetime Maximum of $50,000 (including Acute Onset claims) after 24 months of continuous coverage hereunder
Maternity $5,000 per Pregnancy after 12 months of continuous coverage hereunder, including Inpatient, Outpatient and other benefits as herein provided. Not subject to Coinsurance
Newborn care $15,000 per covered Pregnancy, including Inpatient, Outpatient and other benefits as herein provided, during the first 31 days of life
Organ Transplants $250,000 Lifetime maximum for covered transplants*
INPATIENT BENEFITS (All Subject to Deductible and Coinsurance)
Hospital Room and Board $600 per day, maximum of 240 days per Hospitalization (including ICU days)
Intensive Care Unit (ICU) $1,500 per day, maximum of 240 days per Hospitalization (including non ICU days)
Lab, x-rays and other covered Inpatient services & supplies Usual, Reasonable and Customary Charges (except as limited herein)
OUTPATIENT BENEFITS (All Subject to Deductible and Coinsurance)
Office Visits (Including Physician, Specialist Physicial, Psychiatrist, Chiropractor, Surgical Consultant, Physical or Occupational Therapist) 25 visits per Certificate Period per person as provided herein
Physician $70 per visit
Specialist Physician $70 per visit
Psychiatrist $60 per visit, after 12 months of continuous coverage hereunder
Chiropractors $50 per visit (must be prescribed by another non-Chiropractor Physician)
Surgical Consultant $500 per consultation prior to Surgery
Physical or Occupational Therapy $50 per visit (must be prescribed by a Physician who is not affiliated with the Physical Therapy practice)
X-rays $250 per exam (includes Sonograms, Ultrasounds and diagnostic Mammograms)
Laboratory $300 per exam (includes all procedures carried out on one specimen)
Emergency Room Usual, Reasonable and Customary
Local Ambulance $1,500 per Certificate Period per person
INPATIENT or OUTPATIENT BENEFITS (All Subject to Deductible and Coinsurance)
Prescription Medications Usual, Reasonable and Customary
Surgery Usual, Reasonable and Customary
Assistant Surgeon 20% of Surgeon benefit
Anesthesiologist 20% of Surgeon benefit
Midwife Services $500 per covered Pregnancy
MRI, CAT Scan, Echocardiography, Endoscopy, Gastroscopy, Colonoscopy and Cystoscopy $600 per exam
Chemotherapy and Radiation Therapy Usual, Reasonable and Customary
WELLNESS BENEFITS (Not Subject to Deductible)
Well Child (under age 19) $50 per visit for a maximum of 3 visits per Certificate Period (included in Office Visit limit), after 12 months of continuous coverage hereunder
Wellness (Adult 19+) $250 per Certificate Period, after 24 months of continuous coverage hereunder, including Office Visit for $70 and X-Ray and Lab for $180
OTHER BENEFITS (All Subject to Deductible and Coinsurance)
Durable Medical Equipment Usual, Reasonable and Customary charges for Wheelchair, Hospital Bed, and/or Toilet
Emergency Medical Evacuation $50,000 Per Certificate Period
Repatriation of Remains $25,000 Lifetime Maximum
Emergency Reunion $5,000 Lifetime Maximum

*Covered transplants include Heart, Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow.

Optional Term Life Insurance and Accidental Death and Dismemberment
Term Life Insurance

Age

Basic Life
Principal Sum

Supplemental Life
Principal Sum

19 to 59 $50,000 $50,000
60 to 64 $25,000 $25,000
65 to 69 $10,000 Not Available
Dependent Child $5,000 Not Available

Accident Death and Dismemberment

Accidental Death Principal Sum

Accidental Loss of Two Members

Principal Sum
Accidental Loss of One Member 50% of Principal Sum

"Member" means hand, foot or eye. The Benefit is based on your age at time of Death or Dismemberment.

Optional Dental Rider

Year 1 Year 2 Year 3 and after
Preventative Dental Benefits
Children age 9 through 16 (after 3 months of continuous coverage)
100% 100% 100%
Basic Dental Benefits (after 6 months of continuous coverage) 50% 65% 80%
Major Dental Benefits (after 6 months of continuous coverage) 30% 40% 50%
Dental Deductible $100.00 per Certificate Period $100.00 per Certificate Period $100.00 per Certificate Period
Maximum Dental Benefits $500.00 per Certificate Period $750.00 per Certificate Period $1,000.00 per Certificate Period

globe3.gif (1126 bytes) 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 relating to a covered Illness or Injury
Individuals HIV+ at effective date
Drugs or treatment for sexual dysfunction
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
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, except for
     Wellness benefits provided herein.
Organ transplants, except for covered transplants
Speech, acupuncture 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.

arrow.gif (841 bytes) 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, hernia, gallstones, kidney stones, glaucoma, cataracts, disk disease, tonsils, adenoids, hemorrhoids, all types of cysts and any disorder or disease of the skin.

arrow.gif (841 bytes) Wellness:
After 12 months of continuous coverage, children under the age of 19 are eligible for Wellness benefits that are not subject to the Deductible. After 24 months of continuous coverage, adults age 19 and older are eligible for Wellness benefits that are not subject to the Deductible. Wellness benefits include routine physical exams, tests and immunizations, as well as mammogram and OB/GYN visits for adult females.

arrow.gif (841 bytes) Emergency Medical Evacuation:
International Citizen Economy 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 the Plan Administrator. Emergency Medical Evacuations provide you with access to care when you need it most. The Plan Administrator, MultiNational Underwriters, Inc. is available 24 hours a day, 7 days a week to approve and coordinate Emergency Medical Evacuations as well as other valuable assistance services needed during an Emergency.

arrow.gif (841 bytes) Emergency Reunion:
In the event of a covered Emergency Medical Evacuation, the International Citizen Economy will provide the following benefits: 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.

arrow.gif (841 bytes) Repatriation of Remains:
In the event of a covered Injury or Illness resulting in your death, International Citizen Economy will provide the following benefit: air or ground transportation of bodily remains or ashes to the area of your Principal Residence and reasonable cost of preparation of your remains necessary for transportation.

arrow.gif (841 bytes) Optional Dental Insurance:
If you purchase the Dental Rider, children age 9 to 16 are covered for Preventative Dental care, including routine oral exams every 6 months, fluoride treatment every 12 months and bitewing x-rays every 24 months. All family members are covered for Basic and Major Dental procedures. Basic Dental procedures include Periodontics, Endodontics, fillings and extractions. Major Dental procedures include restorations, crowns, bridges and dentures. All benefits are subject to Deductible, Coinsurance, and Certificate Period maximums.

arrow.gif (841 bytes) Optional Term Life and AD&D Insurance:
If you reside outside the US, you may purchase the Optional Term Life and Accidental Death and Dismemberment insurance to protect your family and provide cash benefits in the event of your death. The amount of Basic coverage ranges from $5,000 to $50,000, depending on your age at the time of your death or dismemberment. If you are at least 19, but not yet 65, you may purchase Supplemental coverage, which doubles the benefits available to you.

arrow.gif (841 bytes) International Citizen Assistance Services:
The following Assistance Services are available to you 24 hours a day, 7 days a week while your International Citizen plan is in effect.

Pre-Trip Health and Safety Advisories (available after your purchase of the International Citizen Series, 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.

Other International Citizen Assistance Services 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


arrow39.gif (1039 bytes) Click here for Instant Quotes & Online Application
note.gif (85 bytes) If you reside in Florida or have a mailing address in Florida, please contact us at 877-211-3654 or Info@internationalriskmanagement.com before submit your application for this plans.

arrow39.gif (1039 bytes)Click here for Rates of International Economy Citizen
 

If you have any questions or concerns, please contact us today.
info@internationalriskmanagement.com
877-211-3654 or 559-294-0316

Thank you for visiting our website.
www.InternationalRiskManagement.com
 

 

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HERE'S THE FINE PRINT:

Availability, features, benefits and rates for all plans described on this site are subject to change without notice
at the discretion of the insurance carriers. This site is updated weekly, but we recommend contacting us
directly to be assured of getting the most up-to-date information available.

Copyright © 1999-2008 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,

is not allowed without the express written permission of the copyright owner.

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  INTERNATIONAL SECURITY NEWS BRIEFS:
Please note that we at Sunburst International Risk Management provides the International Security News Briefs as a value-added service to our international clients and visitors of this website. Our International Security News Briefs are updated frequently, in order to provide you with current and reliable news and events as quickly as we can. We have no control over the content of external websites, and links to various external news sources may become inactive at any time. We suggest that you bookmark our website and return frequently to check the current global news posted on our website.

Europe - United Kingdom
Crime 'stable' but robbery rises
 July 19, 2007
Crime in England and Wales has remained stable during the past year, according to Home Office figures.

East Asia / Pacific - China
Fifth of China goods sub-standard  July 4, 2007
Nearly a fifth of goods made and sold in China have been found to be sub-standard, Beijing has revealed. The worst problems were found in canned fruit, dried fish and fruit drinks, a food inspectors' report said.

Sub-Saharan Africa - Nigeria
Scots oil worker held in Nigeria  April 1, 2007
A British oil worker is still missing after being kidnapped in Nigeria, the Foreign Office has said.

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for Global Travel Medical, Accident, & Life Insurance

Middle East / N. Africa - Israel  
Israeli union gripped by general strikes Mar. 21, /2007
I
rael's main trade union has launched an open-ended general strike which threatens to bring transport and public services across the country to a halt. 

Europe - Russia
55 Cities Could Face Spring Floods Mar. 15, /2007
More than 55 cities and towns across the country could be flooded this spring, according to a forecast released by the Emergency Situations Ministry.


Middle East / N. Africa - Algeria
Threat to Commercial Aircraft in Algeria
Mar. 14, /2007
There is information that extremists may be planning to conduct an attack against a commercial aircraft carrying Western workers in Algeria. At this time, there is no additional information available as to the specific carrier or the timing of this attack.

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for Global Travel Medical, Accident, & Life Insurance


East Asia / Pacific - Thailand
Army doubts Bangkok attacks likely 
Mar. 12, 2007
Council for National Security chairman Gen Sonthi Boonyaratkalin Sunday dismissed rumours that southern insurgents plan to launch disturbances in the Thai capital anytime from Tuesday through Thursday.


Sub-Saharan Africa - Kenya
Mombasa Athletic Event Threats Mar. 6, 2007
Recent information emanating from alleged extremist elements suggests the World Cross-Country Championship may be the target of an unspecified terrorist attack. The embassy is also aware of public statements by leaders of Kenya’s Coastal Muslim community threatening to disrupt the Championship if the Government of Kenya does not satisfy various demands


Sub-Saharan Africa - Ethiopia  
Tourists 'kidnapped' in Ethiopia  Mar. 2, 2007
Addis Ababa,
Ethiopia: A group of 15 foreign tourists has been kidnapped in north-east Ethiopia. They include 11 French nationals, at least one Briton and an Italian.

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for Global Travel Medical, Accident, & Life Insurance


East Asia / Pacific - Thailand
Muslim insurgency stokes fear in southern Thailand Feb. 26, 2007
PATTANI, Thailand: Some are already calling it war, a brutal Muslim separatist insurgency in southern Thailand that has taken as many as 2,000 lives in three years, with almost- daily bombings, drive-by shootings, arson and beheadings.
 

American Tourist kills mugger with bare hands Feb. 24, 2007
SAN JOSE, Costa Rica - An American tourist who watched as a U.S. military veteran in his 70s used his bare hands to kill an armed assailant in Costa Rica said she thought the attempted robbery was a joke — until the masked attacker held a gun to her head.

Sub-Saharan Africa - Nigeria  
Three Croatians kidnapped in Nigeria
Feb. 19, 2007
Port Harcourt,
Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt. 

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for Global Travel Medical, Accident, & Life Insurance


East Asia / Pacific - China
Buddhist beheaded in Thai south
Feb. 9, 2007
A 72-year-old Buddhist rice miller was beheaded in Thailand's rebellious Muslim south on Thursday in an apparent retaliation for a bomb attack on a village tea shop owned by Muslims, police said.

Europe - Russia Feb. 5, 2007
Registration Rules Stir Up Confusion
Moscow, Russia: According to a new law that came into effect Jan. 15, foreigners are now required to hand over their registration papers to migration officials -- via their employer or other sponsor -- every time they leave the country and re-register upon subsequent entry into the country.

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for Global Travel Medical, Accident, & Life Insurance

Sub-Saharan Africa - Nigeria
Captors release nine Chinese oil workers in Nigeria Feb. 5, 2007
Nigeria, Lagos: Hostage takers in Nigeria released nine Chinese oil-worker captives, officials said on Sunday, amid rising violence in Africa's biggest petroleum producer.

Sub-Saharan Africa - Nigeria
Force no solution for Nigeria's oil delta Feb. 2, 2007
The Nigerian government faces a new challenge from spiralling crime in the oil-producing Niger Delta, but wants to avoid turning Africa's oil heartland into a battleground, Energy Minister Edmund Daukorua said.

Sub-Saharan Africa - Nigeria
Demands made for release of hostages 2/1/07
Manila - Nigerian kidnappers holding 24 Filipinos hostage have made "political demands" that have hampered negotiations to free them, the Philippine foreign department said Thursday.

East Asia / Pacific - Thailand 1/30/07
Two explosions in northern Bangkok
Bangkok - Two explosions occurred early on Tuesday morning along the main road in northern Bangkok. There were no casualties reported in the blasts near the Daily News newspaper and Rama Gardens Hotel Bangkok.

Google
 
 

arrow.gif (61 bytes) For Information on How to Protect Yourself, Your Family, Your Employees, and Your Trips Abroad,
Contact our experienced Risk Managers today.

info@internationalriskmanagement.com
877-211-3654
or 559-294-0316

arrow39.gif (1039 bytes) Click here for Instant Quotes & Online Purchase
for Global Travel Medical, Accident, & Life Insurance


arrow39.gif (1039 bytes)International Insurance Plans | Disability Insurance Plans | Online Quotes | Custom Quotes
Companies We Keep | Who Are We?| Contact Us | Home Page | Site Map | Privacy Pledge
Global Safety & Security News Briefs | What's New?
arrow39.gif (1039 bytes)Complimentary Safe Passages for Smart TravelersSM

Copyright (c) 2002-2007 by Sunburst International Risk Management.
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,

is not allowed without the express written permission of the copyright owner.