International Citizens 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 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, the reproductive system, hernia, gallstones, kidney stones, glaucoma, cataracts, disk disease, tonsils, adenoids, hemorrhoids, all types of cysts and any disorder or disease of the skin.
Pre-notification:
International Citizen Economy contains 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.
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 International Citizen Economy Series
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