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Expatriate health insurance can make your stay abroad safer and more enjoyable. Low cost premiums with great health benefits make IC International Citizen 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.
Platinum - Benefits & Policy Limits
| BENEFIT |
PLATINUM - for the International Citizen needing worldwide coverage |
| Overall Maximum Limit |
$5,000,000 Lifetime |
| Deductibles Available |
$250, $500, $1,000, $2,500 or $5,000 per Certificate Period |
| Family Deductible |
Maximum of 3 Deductibles per family per Certificate Period |
| Coinsurance -- Claims incurred in US or Canada |
80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO |
| Coinsurance -- claims incurred outside US or Canada |
100% of Eligible Expenses after the Deductible 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 -- In US or Canada |
Usual, Reasonable and Customary |
| Intensive Care Unit -- Outside US or Canada |
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 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) |
| Maternity -- 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 31 days
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| 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 |
$50 per visit (including immunizations), maximum of three visits per year for children under the age of 19 (after 12 months of continuous coverage). $250 per Certificate Period (after 12 months of continuos coverage) for Members age 35 or older. Not Subject to Deductible |
| 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-notification Penalty |
"50%" |
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*Covered transplants include Heart/Lung, Lung, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow.
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Premier - Benefits & Policy Limits
Excellent health insurance for the expatriate not requiring coverage in the US or canada.
| BENEFIT |
PREMIER - for the International Citizen needing coverage outside the US and Canada |
| Overall Maximum Limit |
$1,000,000 Lifetime |
| Deductibles Available |
$250, $500, $1,000, $2,500 or $5,000 per Certificate Period |
| Family Deductible |
Maximum of 3 Deductibles per family per Certificate Period |
| Coinsurance -- Claims incurred in US or Canada |
No coverage in US or Canada |
| Coinsurance -- claims incurred outside US or Canada |
100% of Eligible Medical Expenses after the Deductible to the Overall Maximum Limit |
| Hospital Room and Board -- In US or Canada |
No coverage in US or Canada |
| Hospital Room and Board -- Outside US or Canada |
Average Private room rate |
| Intensive Care Unit -- In US or Canada |
No coverage in US or Canada |
| Intensive Care Unit -- Outside US or Canada |
Three times the Average Private room rate |
| Prescription Drugs |
Usual, Reasonable and Customary Subject to Deductible and Coinsurance |
| Mental Health Disorders |
$5,000 per Certificate Period, $10,000 Lifetime Maximum, $50 Maximum per visit per day for outpatient care (after 24 months of continuous coverage) |
| Maternity -- Normal Delivery |
$3,500 per Pregnancy (after 24 months of continuous coverage) including pre-natal, Delivery and post-natal care |
| Maternity -- Complicated Delivery |
$6,000 per Pregnancy (after 24 months of continuous coverage) including pre-natal, Delivery and post-natal care |
| Maximum for Maternity |
$10,000 Lifetime |
| Newborn Care |
$5,000 Maximum Limit for maximum of 31 days |
| Pre-existing Conditions |
$25,000 Lifetime Maximum if disclosed on Application (after 24 months of continuous coverage) |
| Local Ambulance |
$1,000 Lifetime Maximum |
| Physical Therapy |
No coverage |
| Wellness |
No coverage |
| Human Organ/Tissue Transplants* |
Same as any other Illness for Covered Transplants |
| All Other Eligible Expenses |
Usual, Reasonable and Customary |
| Emergency Medical Evacuation |
No coverage |
| Repatriation of Remains |
No coverage |
| Emergency Reunion |
No coverage |
| Pre-notification Penalty |
"50%" |
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*Covered transplants include Heart/Lung, Lung, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow.
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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 |
Basic Life Principal Sum |
Option 1 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.
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Accidental Death |
Principal Sum |
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Accidental Loss of Two Members |
Principal Sum |
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Accidental Loss of One Member |
50% of Principal Sum |
| "Member" 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 |
The IC Series expatriate health insurance plans feature low cost premiums with excellent health benefits and coverage. If you live or work abroad, be sure you are protected with expatriate health insurance.
IC International Citizen 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.
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| Review(s) for IC International Citizen Health Insurance
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