IC International Citizen Health Insurance

What Are the Plan Features?

Pre-existing Conditions:

If you are insured under the Platinum plan, and your pre-existing conditions have been fully disclosed on your Application and not excluded or restricted by a rider or any other provision of your Certificate, your pre-existing conditions are covered the same as any other Illness or Injury as of your effective date. If you are insured under the Premier plan, your pre-existing conditions are covered up to a lifetime limit of $25,000 after you have been insured continuously for 24 months. Pre-existing conditions include any Injury, Illness or Mental Health disorder that existed at or prior to your initial effective date, including chronic or recurring conditions.

What Are the Exclusions and Limitations?

The following charges, treatments, care, services, supplies and/or conditions are excluded from coverage:

• Charges not incurred during the certificate period
  
• Services or treatment payable by another insurance or government
  
• Substance abuse
  
• Charges which exceed usual, reasonable and customary
  
• Investigational or experimental surgeries or treatment
  
• Custodial, educational or rehabilitative care
  
• Weight modification
  
• Cosmetic surgery, unless reconstructive surgery is directly relating to a covered Injury or Illness
  
• Charges for use of Emergency Room for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness
  
• Individuals HIV+ at effective date
  
• Drugs or treatment for sexual dysfunction
  
• Drugs or treatment to promote or prevent conception
  
• Devices or procedures to correct sight or hearing
  
• Self inflicted injury or illness
  
• Foot care, unless related to a covered accidental injury
  
• Treatment or supplies not ordered by a physician or not medically necessary
  
• Organ transplants, except for covered transplants
  
• Speech, acupuncture, occupational or sleep therapy
  
• Acts of terrorism, war, insurrection, riot or any variation thereof
  
• Dental treatment, except emergency treatment following covered accident, or unless Dental Rider is purchased
  
• Orthodontia (Dental Rider Exclusion)
  
• Sealants, Bleaching and oral hygiene expenses (Dental Rider Exclusion)

This is a summary of the exclusions contained in the Certificate of Insurance. See the Certificate of Insurance for a complete list of exclusions.

Special Illiness Exclusion:

The following conditions which manifest themselves within the first 180 days of coverage are excluded: Any condition of the breast, prostate, the reproductive system, tonsils, adenoids, hemorrhoids, hernia, gallstones, kidney stones, glaucoma, cataracts, disk disease, all types of cysts, and any disorder or disease of the skin.

Wellness:

If you are insured under the Platinum Plan, 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 35 years old, you will be entitled to the following Wellness benefit: $250 per Certificate Period for a routine physical exam, including mammogram and OB/GYN visits for females. 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:

If you are insured under the Platinum Plan, you are covered 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 MultiNational Underwriters, Inc. Emergency Medical Evacuations provide you with access to care when you need it most. MultiNational Underwriters, Inc. 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, the Platinum Plan will provide the following benefits: the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following 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 Platinum Plan will provide the following benefit: air or ground transportation of bodily remains or ashes to the area of your Principal Residence and reasonable cost of preparation of your remains necessary for transportation.
 

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Be sure to always carry your personal doctor's name and contact information (phone and fax numbers) with you when traveling abroad.

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International Citizen Senior Plan

Eligibility for the standard International Citizen plans ends at age 75, but for those members who joined before age 65 and have maintained coverage for at least 10 years, the International Citizen Senior Plan is available with no medical questions. The International Citizen Senior Plan offers many of the same great benefits and limits as the standard International Citizen plan. The Senior Plan deductibles available are $5,000, $7,500, and $10,000. On the Senior Platinum plan, the Overall Maximum Limit is reduced to $1 million. Additionally, the Human Organ Transplant and Emergency Medical Evacuation benefits are deleted. On the Senior Premier plan, the Overall Maximum Limit is reduced to $250,000 and the Human Organ Transplant benefit is deleted.

Pre-notification

All plans in The International Citizen Series contain pre-notification provisions. Pre-notification simply means that you must contact MultiNational Underwriters, Inc. as soon as possible before a planned hospitalization or surgical procedure, or within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy. Pre-notification 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-notification helps us help you.

Optional Dental Insurance

The Optional Dental Rider provides important benefits for families including Preventative care for children and Basic and Major Dental benefits for both children and adults. Preventative benefits include routine oral exams and x-rays, cleaning and fluoride treatments. Basic benefits include Periodontics, Endodontics, Extractions and Fillings. Major benefits include crowns, bridges and dentures. The International Citizen Optional Dental Rider is a must for families as well as individuals. Coverage is provided worldwide at your choice of dentists. The Optional Dental Insurance Rider is available with both the Platinum and Premier plans.

Optional Sports Rider

The Optional Sports Rider is a must-have addition 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.


Assistance Services

All Assistance Services are available to you 24 hours a day, 7 days a week while your International Citizen Plan is in effect.

Pre-Trip Health and Safety Advisories (available after your purchase of the International Citizen Series and before your departure) Call us for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.

Livetravel Services

We will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

Emergency Message Relay

We will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

Emergency Cash Transfers

We will assist you in arranging and obtaining cash transfers anywhere in the world.

International Citizen Assistance Services also include

• Medical referrals
• Up-to-the-minute travel medical advisories
• Assistance with prescription drug replacement
• Dispatch of a doctor or specialist
• Emergency travel arrangements for family members
• Lost passport or travel documents assistance
• Embassy and consulate referrals
• Legal and accounting referrals
• Bail bond assistance
• Translation and interpretation assistance

International Citizen Assistance Services are not insurance benefits, and provision of any International Citizen Assistance Services is not a guarantee of any other benefit under the International Citizen Series.

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The IC Series overseas insurance plans feature low cost premiums with excellent health benefits and coverage. If you live or work overseas, be sure you are well protected by a good overseas insurance plan.

IC International Citizen Health Insurance is not only advantageous to the expatriate living overseas but to non-US citizens living in their country of citizenship.

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