CitizenSecure Economy
Coverage & Plans
Pre-existing Conditions:
If your Pre-existing Conditions have been fully disclosed on your Application and not excluded or restricted by any other provision of your Certificate, your Pre-existing Conditions are covered up to $5,000 per Certificate Period and $50,000 Lifetime limit 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.
Acute Onset of Pre-existing Condition:
If your Pre-existing Conditions have been fully disclosed on your Application and the conditions are not excluded or restricted by any other provision of your Certificate, you are covered for an Acute Onset of Pre-existing Condition up to $1,000 during the first 12 months of coverage and up to $2,500 during the second 12 months of coverage hereunder. An Acute Onset of a Pre-existing Condition is a sudden, unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning, either in the form of Physician recommendations or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Wellness:
After 12 months of continuous coverage, children under the age of 19 are eligible for Wellness benefits, including $50 per visit for a maximum of 3 visits per Certificate Period. After 24 months of continuous coverage, adults age 19 and above are eligible for Wellness benefits, including $70 for an office visit and $180 for X-ray and labs per Certificate Period. Wellness benefits include Routine Physical Exams, tests and immunizations, as well as mammogram and OB/GYN visits for adult females. Wellness benefits are not subject to the Deductible.
Emergency Medical Evacuation:
CitizenSecure Economy provides coverage 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 HCCMIS. Emergency Medical Evacuations provide you with access to care when you need it most. HCCMIS is available 24 hours a day, 7 days a week to approve and coordinate Emergency Medical Evacuations as well as other valuable assistance services needed during an Emergency.
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CitizenSecure major medical offers comprehensive coverage for those who are just a bit little more budget-conscious. With Wellness, Senior and a host of other benefits, this plan doesn't skimp on quality just because it's inexpensive.We know that it can be difficult to make ends meet at times, but your health insurance is one thing that you shouldn't do without. The Economy plan makes it possible for you to maintain excellent medical coverage without having to worry about your wallet. |
Emergency Reunion:
In the event of a covered Emergency Medical Evacuation, the CitizenSecure Health Economy 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, CitizenSecure Economy will provide the following benefit: air and/or ground transportation of bodily remains or ashes to the area of your principal residence and reasonable cost of preparation of the remains necessary for transportation.
Optional Dental Insurance:
If you purchase the Optional Dental Rider, children age 9 to 16 are covered for Preventative Dental Benefits, including routine oral exams every 6 months, fluoride treatment every 12 months and bitewing x-rays every 24 months. All covered family members receive Basic and Major Dental Benefits. Basic Benefits include periodontics, endodontics, extractions and fillings. Major Benefits include crowns, bridges and dentures. The CitizenSecure Optional Dental Rider is useful for families as well as individuals. Coverage is provided in most countries of the world at your choice of dentists.
Optional Sports Rider:
The Optional Sports Rider provides additional coverage 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.
Optional Term Life and AD&D Insurance:
If you reside outside the US, you may be able to purchase the Optional Term Life and Accidental Death and Dismemberment insurance to protect your family and provide cash benefits in the event of your death. The amount of coverage under Option 1 ranges from $5,000 to $50,000, depending on your age at the time of your death or dismemberment. If you are at least 19, but not yet 65, you may purchase Option 2, which doubles the benefits available to you.
What Travel Assistance Services are Included:
The following Travel Assistance Services are available to you 24 hours a day, 7 days a week while your CitizenSecure plan is in effect.
Pre-trip Destination Information (available after your purchase of the CitizenSecure Series, but before your departure) – Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country.
Provider Referrals Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken.
Lost Luggage Assistance Tracking service to assist in locating luggage or other items lost in transit.
Travel Document Replacement Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents.
Medical Monitoring Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status.
Other important CitizenSecure Travel Assistance Services include:
- Assistance with prescription drug replacement
- Dispatch of a physician
- Emergency travel arrangements
- Embassy and consulate referrals
- Legal and accounting referrals
- Bail bond assistance
- Credit Card/Traveler Check Replacement
- Translation and interpretation assistance
CitizenSecure Travel and Medical Assistance Services are not insurance benefits. Any Assistance Service provided is not a guarantee of any other benefit under the CitizenSecure Series.
Client Zone: Login to your own control panel
Client Zone is an online account management and resource tool that allows you to:
- Change personal information
- Renew coverage and reprint ID cards
- Obtain details about claim filing, including downloading necessary forms
- Pre-certify for certain medical procedures and hospitalizations
- Locate providers within the PPO Network
- Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
- Access health and wellness information
- View and download brochures, obtain policy information, or get quotes for other products
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