Home
Atlas Travel Insurance
Travel Insurance Overview
Why Buy? / Eligibility
Coverage & Plans
Benefits and Limits
Features / Exclusions
Who is the Insurer?
Who is the Administrator?
Compare Plans!

Click here for Group Insurance
CitizenSecure Major Medical Insurance

Health Plan Overview
Why Buy? / Eligibility
Coverage & Plans
Benefits and Limits
Exclusions / Features
Who is the Insurer?
Who is the Administrator?

CitizenSecure Economy Plan

Get Details Here
Student Travel Insurance

Details of the Student Plan
Download Brochures and Applications
Privacy Policy
Emergency Evacuation
Travel Resources
Contact
|
|
Expatriate health insurance can make your stay abroad safer and more enjoyable. Low cost premiums with great health benefits make CitizenSecure a favorite among exchange students and expatriates. Living and working abroad is a risk. With the high cost of a medical emergency you will want to be sure to have a expatriate health insurance plan that provides excellent coverage and benefits.
Medical Benefits & Policy Limits
| BENEFIT |
Limit - all limits are per Certificate Period except as specifically indicated otherwise |
| Overall Maximum Limit |
$5,000,000 Lifetime |
| 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 |
| Coverage Area |
Option 1 - Including the US and Canada Option 2 - Excluding the US and Canada |
| Coinsurance -- Claims incurred in US or Canada* |
After the Deductible, Underwriters will pay 80% of the next $5,000 of Eligible Expenses per Member per Certificate Period, then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider |
| Coinsurance -- claims incurred outside US or Canada |
After the Deductible, Underwriters will pay 100% of Eligible Expenses per Member per Certificate Period to the Overall Maximum Limit |
| Hospital Room and Board -- In US or Canada* |
Average Semi-private room rate |
| Hospital Room and Board -- Outside US or Canada |
Average Private room rate |
| Intensive Care Unit |
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) |
| Maximum for Maternity |
$250,0000 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): $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.
|
 |
Keep a list of your illnesses, ailments and medications, along with any prescriptions or doctor notes, on your person at all times, especially when traveling in the third world. And when going through customs, it's also wise to have a copy of your prescriptions readily available. |
Optional Term Life Insurance and Accidental Death and Dismemberment
(Not Available to Residents of the US, regardless of your Citizenship)
| Age |
Option 1 Principal Sum |
Option 2 Principal Sum |
| 19 to 59 |
$50,000 |
$100,000 |
| 60 to 64 |
$25,000 |
$50,000 |
| 65 to 69 |
$10,000 |
Not Available |
| Dependent Child |
$5,000 |
Not Available |
You may choose a different option for different family members taking Term Life coverage.
|
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 |
| "Limb" means hand, foot or eye.
The Benefit is based on your age at time of death or dismemberment |
Optional Dental Rider
| |
Certificate Period 1 |
Certificate Period 2 |
Certificate Period 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 per Certificate Period per person |
$100 per Certificate Period per person |
$100 per Certificate Period per person |
| Maximum Dental Benefits |
$500 per Certificate Period per person |
$750 per Certificate Period per person |
$1,000 per Certificate Period per person |
Optional Sports Rider
| Sports Category |
Lifetime Maximum |
| Extreme Sports |
$25,000 |
| Contact Sports |
$5,000 |
CitizenSecure expatriate health insurance features low cost premiums with excellent health benefits and coverage. If you live or work abroad, be sure you are protected with expatriate health insurance.
CitizenSecure Health Insurance is not only advantageous to the expatriate but to non-US citizens living in their country of citizenship.
Unsolicited Testimonial
"Good company to do business with. I recommend you whole-heartedly. "
- M. K.
|
| Review(s) for CitizenSecure Health Insurance
|
|
|