CitizenSecure Economy
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 Illness or Injury
- Individuals HIV+ at effective date
- Drugs or treatment for sexual dysfunction
- Charges relating to congenital conditions
- 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
- 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, except for Wellness benefits provided herein.
- Organ transplants, except for covered transplants
- Speech, acupuncture or sleep therapy
- Acts of terrorism, war, insurrection, riot or any variation thereof
- Dental treatment, except emergency treatment following a 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.
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Educate yourself about any health and security risks in your travel destination areas. For instance, is it safe to drink the tap water? How pervasive is local crime? Are there any insect-borne diseases that you should be wary of? If vaccinations are recommended, get the appropriate ones. |
Special Illness Exclusion:
The following conditions which manifest themselves within the first 180 days of coverage are excluded: any condition of the breast, prostate, reproductive system, tonsils, adenoids, hemorrhoids, hernia, gallstones, kidney stones, glaucoma, cataracts, disk disease, varicose veins, all types of cysts, arthritis, and repetitive motion disorders, and any disorder or disease of the skin.
Pre-certification:
CitizenSecure Economy requires Pre-certification, which simply means that you must contact HCCMIS as soon as possible before a planned hospitalization or surgical procedure, within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy. Pre-certification 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-certification helps us help you.
Preferred Provider Network (PPO):
Coinsurance will be waived for expenses incurred in the US within our direct-pay PPO. Simply present your identification card at the provider's office so that they may contact us to verify benefits and billing information. For your convenience, HCCMIS also offers an international network. Both networks are searchable through Client Zone, which is accessible with your Certificate number and date of birth once coverage has been approved.
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
Unsolicited Testimonial
"We've always bought travel insurance, but have only had to use it once, on our last trip to Europe. I was expecting to have to fight and argue to get anything, but your company paid up immediately with no hassles. Outstanding service. I can't thank you enough!"
- Kendall P.
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| Review(s) for CitizenSecure Economy Series
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