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International Major Medical Insurance | Benefits
Benefits • Exclusions • FAQ's • Premiums • Apply Online
The Citizen Secure provides worldwide international health insurance coverage up to $5,000,000. You have the option to choose the standard Citizen Secure plan, or if you were interested in lowering your premium you can opt for the Citizen Secure Economy plan. The Economy plan offers a scheduled benefit structure, which means that each benefit under the plan is capped at a certain level - compared to the standard Citizen Secure plan which offers URC coverage on most benefits
Please select the plan name above to view the benefits in more detail. URC - Usual, Resonable and Customary.
| Benefits | Citizen Secure |
|---|---|
| Pre-certification Penalty | 50% Benefit Reduction |
| Policy Maximum | $5,000,000 |
| Coverage Options | Option 1 - Worldwide Option 2 - Worldwide excluding the USA/ Canada |
| Deductible Options | $250, $500, $1,000, $2,500 or $5,000 per member, per certificate period |
| Family Deductible/ Coinsurance | Maximum of 3 per family, per certificate period |
| Provider Network in the USA | Hygeia | PHCS | First Health |
| Coinsurance - Outside the USA - In Network in the USA |
100% Coverage |
| Coinsurance - Out of Network in the USA |
80% Coverage up to $5,000 100% after up to Policy Maximum |
| Hospital Room and Board - Inside the USA/ Canada |
Maximum of 3 deductibles per family, per certificate period |
| Hospital Room and Board - Inside the USA/ Canada |
Average private room rate |
| Intensive Care Unit | URC |
| Prescription Drugs | URC |
| Mental Health Disorders | $10,000 per certificate period, $25,000 lifetime maximum $50 max per visit, per day for outpatient care Available after 12 months coverage |
| Maternity - Normal/ Complicated Delivery |
50% coverage up to $100,000, then 100% up to $250,000 Covered expenses include pre-natal, delivery and post-natal care Available after 12 months coverage |
| Maximum for Maternity | $250,000 lifetime |
| Newborn Care | Included for up to 60 days |
| Pre-Existing Conditions | Covered the same as any other illness As long as disclosed on application and not excluded or limited by a rider |
| Local Ambulance | URC |
| Physcial Therapy | $50 maximum per visit |
| Wellness | Members under 19 - $50/ visit, max 3 visits per certificate period Members 30 and over - $250 per member, per certificate period Females over 40 (or those qualifying woman at risk) - $100 per member, per certificate period for screening mammogram |
| Human Organ/ Tissue Transplant | Covered the same as any other illness |
| All other eligible medical expenses | URC |
| Emergency Evacuation | Maximum of 3 deductibles per family, per certificate period |
| Repatriation of Remains | $25,000 limit |
| Emergency Reunion | $10,000 lifetime maximum |
| Benefits | Citizen Secure Economy |
|---|---|
| Emergency Reunion | $5,000 maximum |
| Policy Maximum | $5,000,000 |
| Coverage Options | Worldwide |
| Deductible Options | $250, $500, $1,000, $2,500 or $5,000 per member, per certificate period |
| Coinsurance - Outside the USA - In Network in the USA |
100% Coverage |
| Coinsurance - Out of Network in the USA |
80% Coverage up to $5,000 100% after up to Policy Maximum |
| Acute Onset of a Pre-existing Condition | $1,000 for the 1st certificate period $2,500 during the 2nd certificate period |
| Pre-existing Conditions | $5,000 per certificate period, $50,000 lifetime maximum After 24 months continuous coverage |
| Maternity | $5,000 per pregnancy after 12 months Not subject to coinsurance. |
| Organ Transplants | $250,000 lifetime maximum |
| Inpatient Benefits (subject to deductible and coinsurance) | |
| Hospital Room and Board | $600/ day - Maximum 240 days per hospitlization (including ICU days) |
| Intensive Care Unit (ICU) | $1,500/ day - Maximum 240 days per hospitlization (including non-ICU days) |
| Lab, X-Rays, and other services | URC |
| Outpatient Benefits (subject to deductible and coinsurance) | |
| Office Visits | 25 visits per person, per certificate period |
| Physician/ Specialist Physician | $70/ visit |
| Psychiatrist | $60/ visit after 12 months of coverage |
| Chiropractor | $50/ visit (must be prescribed treatment) |
| Surgical Consultant | $500/ consultation prior to surgery |
| Physical/ Occupational Therapist | $50/ visit (must be prescribed treatment) |
| X-rays | $250/ exam (includes sonograms, ultrasounds, diagnostic mamograms) |
| Laboratory | $300/ exam |
| Emergency Room | URC for illnesses if hospitalized as inpatient and for injuries |
| Local Ambulance | $1,500/ person per certificate period |
| Inpatient or Outpatient Benefits (subject to deductible and coinsurance) | |
| Prescription Medications | URC |
| Surgery | URC |
| Assistant Surgeon | 20% of surgeon benefit |
| Anesthesiologist | 20% of surgeon benefit |
| Midwife Services | $500 per pregnancy |
| MRI, CAT Scan, Echocardiography, Endoscopy, Gastroscopy, Colonoscopy and Cystoscopy |
$600/ exam |
| Chemotherapy/ Radiation Therapy | URC |
| Wellness Benefit (not subject to deductible and coinsurance) | |
| Well Child (under 19) | $50/ visit for max of 3 visits per certificate period After 12 months continuous coverage |
| Wellness (adult +19) | $250/ certificate period including $70/ office visit and $180/ labs After 24 months continuous coverage |
| Other Benefits (subject to deductible and coinsurance) | |
| Durable Medical Equipment | URC for Wheelchair, Hospital Bed and/or Toilet |
| Medical Evacuation | $50,000 per certificate period |
| Repatriation of Remains | $25,000 maximum |
| Optional Dental Rider | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Maximum Dental Benefits | $500 per person | $750 per person | $1,000 per person |
Preventative Dental Benefits |
100% | 100% | 100% |
Basic Dental Benefits |
50% | 65% | 80% |
Major Dental Benefits |
30% | 40% | 50% |
| Dental Deductible | $100 per person | $100 per person | $100 per person |
| Optional Term Life and AD&D | Option 1 - Principal Sum | Option 2 - Principal Sum |
|---|---|---|
| "Limb" means hand, foot or eye. The Benefit is based on age at time of death or dismemberment |
||
19 to 59 years old |
$50,000 | $100,000 |
60 to 64 years old |
$25,000 | $50,000 |
65 to 69 years old |
$10,000 | Not Available |
| Payable Benefit | ||
| Accidental Death | Principal Sum to Beneficiary | |
| Accidental Loss of Two Limbs | Principal Sum to Member | |
| Accidental Loss of One Limb | 50% of Principal Sum to Member | |
| Optional Sports Rider | Lifetime Maximum |
|---|---|
| Contact Sports | $5,000 |
| Extreme Sports | $25,000 |
The benefits listed here are a summary of the plan benefits and are for informational purposes only. Please refer to the certificate of insurance for a full list of the plan benefits.
Learn more about the Citizen Secure - Major Medical Insurance plan:
The Citizen Secure Plan - International Major Medical Insurance
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