BROCHURE, RATES and APPLICATION
CitizenSecureSM
Annual renewable
long-term medical benefits combined with worldwide access to premier
healthcare facilities, including the US and Canada, and $5,000,000 in lifetime
coverage for US citizens abroad and non-U.S. citizens worldwide.
Rates and Application are at the bottom of this
page.
Click here for Free Instant Quotes &
Online Applications
 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 plan.
Please read the Benefits & Exclusions of this plan carefully before submitting your application.
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.
Which Coverage Area is Right for Me?
CitizenSecureSM
offers two coverage areas: including the USA and Canada and excluding the
USA 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 International Citizen Senior Plan with no medical
questions.
Pre-notification
All plans in
CitizenSecureSM contain 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.
International Citizen
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.
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 you are insured under the Platinum plan, and 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. If you are insured under the Premier
plan, your pre-existing conditions are covered up to a lifetime limit of $25,000 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.
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.
What Are The Policy Limits?
|
BENEFIT |
Limit - all limits are per Certificate
Period except as specifically indicated otherwise |
|
Overall Maximum Limit |
$5,000,000 Lifetime |
|
Coverage Area |
Option 1 - Including the U.S. and
Canada
Option 2 - Excluding the U.S. and Canada |
|
Deductibles Available |
$250, $500, $1,000, $2,500 or $5,000 per
Member 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 |
|
Family Coinsurance |
After $3,000 of Coinsurance has been paid
per Family per Certificate Period, Underwriters will pay 100% of
Eligible Expenses to the Overall Maximum Limit |
|
Hospital Room and Board -- In the U.S. or
Canada* |
Average Semi-private room rate |
|
Hospital Room and Board -- Outside of
the U.S.
or Canada |
Average Private room rate |
|
Intensive Care Unit -- In the U.S. or Canada* |
Usual, Reasonable and Customary |
|
Intensive Care Unit -- Outside of the U.S. 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) |
|
Maternity -- 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 |
All Wellness benefits are available after
12 months of continuous coverage and are not subject to
Deductible.
Members under age 19: $50 per visit (including immunizations),
maximum of three visits per Certificate Period.
Members age 30 and over: $250 per Member per Certificate Period.
Female Members age 40 and over (or qualifying Woman at Risk as
herein defined): $100 per Member per Certificate Period for a
screening mammogram |
|
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-certification 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. |
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
- 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)
SPECIAL NOTE:
This plan is renewable.
This plan provides long-term medical coverage for non-US citizens around the globe
including the USA.
For U.S. citizen, you must live or travel outside of the United
States for at least 6 months of any given 12 months of policy period in order to qualify
for this plan.
If you are a non-U.S. citizen and a permanent resident of the United States, a green card
holders, please contact us for eligibility requirement.
Special Illness Exclusions:
The following conditions which manifest themselves within the first 180 days of coverage
are excluded: any condition of the breast, prostate, tonsils, adenoids, disease of
sebaceous glands, acne, other acne, sebaceous cyst, seborrhea, unspecified disease of the
sebaceous glands, moles, skin tags, hypertrophic and atrophic conditions of the skin,
nervous, hemorrhoids, the reproductive system, hernia, gallstones or kidney stones. If you
are insured under the Risk Share Plan, all illnesses are excluded for the first 90 days of
coverage.
Wellness:
If you are insured under the CitizenSecure plan, after 12 months of continuous coverage, and if
you are at least 35 years old, you will be entitled to the following Wellness benefits:
the benefit provides $150 per Certificate Period for a routine physical exam, including
mammogram and OB/GYN visits for females. If you are under the age of 19, this benefit
provides $50 per visit (including immunizations) with a maximum of 3 visits per
Certificate Period.
Emergency
Medical Evacuation:
If you are insured under the Platinum plan, you are covered for emergency medical
evacuation to the nearest medical facility qualified to treat your life threatening
condition. All emergency medical evacuations must be approved in advance and coordinated
by the Plan Administrator. The Plan Administrator. is available 24 hours
a day, 7 days a week, to approve and coordinate emergency medical evacuations. Emergency
medical evacuations provide you with access to care when you need it most.
Emergency
Reunion:
In the event of a covered Emergency Evacuation, the platinum plan will provide the
following benefits: the cost of an economy round trip air or ground transportation ticket
for one of your relatives (parent, spouse, sibling or child age 18 years or older) for
transportation to the area where you are hospitalized following Emergency Evacuation, and
reasonable expenses for lodging and meals for your relative for a period not to exceed 10
days.
Repatriation
of Remains
In the event of a covered injury or illness resulting in your death, the platinum plan
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.
Pre-notification:
All plans in The
International Citizen Series contain 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.
International
Citizen Assistance Services:
The following Assistance Services are
available to you 24 hours a day, 7 days a week while your CitizenSecure Plan is in
effect.
Pre-Trip Health and Safery 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
International Citizen Assistance Services are not
insurance benefits and provision of any International Citizen Assistance Services is not a
guarantee of any other benefit under the International Citizen Series.
How Do I Apply for
CitizenSecure?
To receive a quote and
complete an application online, please
click here. Within 5
business days of receipt of your Application, We
will inform you as to the acceptance of your application and your
effective date, or of any additional information required to continue
considering your application. Remember, your Application will become a
permanent part of your record, and will become a part of your
certificate of coverage. Answer each question thoroughly and legibly,
and attach additional sheets if necessary. If your Application is not
accepted, we 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
Claimant's Statement and Authorization form, and instructions on how to
use your insurance.
If you reside Florida or
have a mailing address in Florida, please contact us at 877-211-3654 or
Info@worldwidemedicalplans.com before submit your application for
this plan.
|
Sports Category |
Lifetime Maximum |
|
Extreme Sports |
$25,000 |
|
Contact Sports |
$5,000 |
Optional Term Life
Insurance and Accidental Death and Dismemberment
(Not available for Residence of
the USA
regardless of your citizenships)
|
| 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 |
| Accidental
Death |
Principal
Sum |
| Accidental
Loss of Two Members |
Principal
Sum |
| Accidental
Loss of One Member |
50% of
Principal Sum |
The Benefit is based on your age at time of Death or Dismemberment.
"Member" means hand, foot or eye.
Optional Dental Rider
|
| |
Year 1 |
Year 2 |
Year 3 |
|
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 |
Click here for Free Instant Quotes &
Online Applications
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 plan.
Please read the Benefits & Exclusions of this plan carefully before submitting your application.
Click here
for Rate Table
If you have any questions or concerns, please contact us.
E-mail: info@internationalriskmanagement.com
877-211-3654 or
559-294-0316
|
Experience
