IC International Citizen Health Insurance

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
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%"
*Covered transplants include Heart/Lung, Lung, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow.

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%"
*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	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.

Accidental Death	Principal Sum
Accidental Loss of Two Members	Principal Sum
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

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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.

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