CitizenSecure is an annually renewable
International Major Medical Insurance with optional
Term Life, Dental, and Sports Coverage designed for
those residing abroad. Citizen Secure Health Insurance
features no coinsurance payment when the plan’s
Preferred Provider Network (PPO) is used within the
US. Many individuals and families seeking international
coverage including their home country have benefited
from the Citizen Secure International Health Insurance
Plan.
Those seeking to manage healthcare costs
and benefits can consider the CitizenSecure Economy
plan. The Economy version of Citizen Secure offers
scheduled benefits with various coverage sub-limits
for each type of medical expense. Both Citizen Secure
and Citizen Secure Economy offer an overall policy
limit of US $5 Million.
| Policy Maximum
|
Citizen Secure &
Citizen Secure Economy provide a lifetime Policy
Maximum of US$5,000,000 |
| Deductible
|
$250, $500, $1,000, $2,500, or $5,000
per person per Certificate Period (a maximum
of 3 deductibles per family) |
| Co-insurance |
- Outside the
U.S. and Canada:
Plan will pay 100% of Eligible Expenses
after the Deductible up to the Overall Maximum
Limit.
- In USA (within
PPO network):
After the deductible, the plan will pay
100% of Eligible Expenses up to the Overall
Maximum Limit.
- In USA (outside
PPO network):
After the deductible, the plan will pay
80% of the first $5,000 in medical expenses
and then 100% of Eligible Expenses up to
the Overall Maximum Limit.
|
| Coverage Options |
Sports Rider, Dental Rider, Term
Life Insurance (not available in US), and Accidental
Death and Dismemberment (not available in US)
|
| Plan Life
|
Renewable Annual Coverage up to
age 75; members who joined before age 65 and
have maintained coverage for at least 10 years
are eligible for Citizen Secure Senior Plan |
| Underwriter |
Citizen Secure is underwritten by
Lloyd's of London, member of Lloyd's
Group of companies. |
| Claims Administrator
|
The Atlas Group Travel Insurance
Claims is administered by the Multi National
Underwriters based in Indianapolis, IN, USA |
Eligibility:
CitizenSecure? and CitizenSecure? Economy
are available to citizens of all countries who are
at least age 14 days and not older than age 74. US
citizens must reside outside of 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 while residing in the US, regardless
of citizenship.
Coverage becomes effective upon application
approval. Tobacco, alcohol use, body build, and family
history may affect premiums
Plan Benefits:
CitizenSecure? offers a broad range of
benefits including:
-
US and International
PPO with no Coinsurance pay,
-
Medical Evacuation
to the nearest qualified medical center or hospital,
-
Emergency Reunion
coverage with one family member,
-
Economy plan with
reduced benefits,
-
Maternity coverage
to $250,000 lifetime,
-
Wellness Benefits
covering preventative screenings and exams,
-
Repatriation of
Remains coverage,
-
Available CitizenSecure?
Assistance Services such as Pre-trip Health and
Safety Advisories, Bag Trak, Emergency Message Relay,
emergency Cash Transfers, Medical Referrals, and
more.
Remarks:
- CitizenSecure? is one of the very few long term
international health insurance (major medical plan)
offering coverage for sports activities like scuba,
mountaineering, white water rafting via its sports
rider. Adventurous lifestyles and activities can
be covered by including the optional sports rider
coverage.
- PPO Network: In the US, the
plan uses the Hygeia First Health PPO network; outside
USA, one can seek help at any hospital, facility
or doctor (recommended providers available up on
request).
- Renewal: Subject to continued
eligibility and payment history. If coverage was
purchased before the age of 65 and coverage was
maintained or at least 10 years, you are automatically
eligible to apply for CitizenSecure? Senior Plan
with no medical questions.
|
