CitzenSecure Health Insurance

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

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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.

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