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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 | CMN Network |
| Coinsurance - Outside the USA - In Network in the USA |
100% Coverage |
Coinsurance |
80% Coverage up to $5,000 100% after up to Policy Maximum |
| Hospital Room and Board - Inside the USA/ Canada |
Average semi-private room rate |
| Hospital Room and Board - Outside 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.
Why Buy International Medical Insurance?
The answer is easy. If you are a US citizen living abroad, traditional sources of US private health insurance may 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 you travel or reside worldwide, you need health insurance that knows no boundaries. HCC Medical Insurance Services has designed CitizenSecureSM to meet your needs.
Who is the Plan Administrator?
HCC Medical Insurance Services, LLC (HCCMIS), 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. Our international claims specialists, medical professionals and service representatives 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. HCCMIS is a wholly-owned subsidiary of HCC Insurance Holdings, Inc. (HCC), a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of $9.0 billion, shareholders' equity of $3.0 billion and is rated AA (Very Strong) by Standard & Poor's and AA (Very Strong) by Fitch Ratings. In addition, HCC's major domestic insurance companies are rated A+ (Superior) by A.M. Best Company.
Who is the Insurer?
CitizenSecureSM is insured by Syndicate 4141 at Lloyd's, London. Lloyd's is the largest and oldest insurance market in the world and is rated 'A' (Excellent) by A.M. Best Company and 'A+' (Strong) by Standard & 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 and 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 most countries of the world who are at least age 14 days and not over age 74. If you are a US citizen, you must reside outside the US, or be departing 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 abroad, including the US or 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 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 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?
There are a variety of 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 Application for Insurance and send it with your initial premium payment to us. 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, HCCMIS 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 certain factors. 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, HCCMIS 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. Complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to HCCMIS. 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, HCCMIS 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 HCCMIS 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?
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.
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 HCCMIS. Emergency Medical Evacuations provide you with access to care when you need it most. HCCMIS 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.
Optional Dental Rider:
If you purchase the Optional Dental Rider, children age 9 to 16 are covered for Preventative Dental Benefits, including routine oral exams every 6 months, fluoride treatment every 12 months and bitewing x-rays every 24 months. All covered family members receive Basic and Major Dental Benefits. Basic Benefits include periodontics, endodontics, extractions and fillings. Major Benefits include crowns, bridges and dentures. The CitizenSecureSM Optional Dental Rider is useful for families as well as individuals. Coverage is provided in most countries of the world at your choice of dentists.
Optional Sports Rider:
The Optional Sports Rider provides additional coverage 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.
Optional Term Life and AD&D Insurance:
If you reside outside the US, you may be able to 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 coverage under Option 1 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 Option 2 coverage, which doubles the benefits available to you.
24/7 Worldwide Travel and Medical Assistance
CitizenSecureSM includes valuable travel and medical assistance services, which are available to you 24 hours a day, 7 days a week. Contact HCCMIS to access any of these services.
Pre-Trip Destination Information - Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country
Provider Referrals - Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken
Travel Document Replacement - Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents
Lost Luggage Assistance - Tracking service to assist in locating luggage or other items lost in transit
Other travel and medical assistance services available include:
o Prescription Drug Replacement
o Emergency Travel Arrangements
o Dispatch of Physician
o Translation Assistance
o Credit Card/Traveler Check Replacement
CitizenSecureSM Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit under CitizenSecureSM.
Learn more about the Citizen Secure - Major Medical Insurance plan:
The Citizen Secure Plan - International Major Medical Insurance
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