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Compare CitizenSecure Products
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For those living or working abroad (1 Year or Longer) |
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Are you Living or working abroad and need international travel medical insurance?
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Are you living or working abroad on a tighter budget and need international travel medical insurance coverage. This is a scheduled benefit plan, offering specific benefit amounts for specific services.
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Coverage Review Two CitizenSecureSM policies designed for different budgets
| CitizenSecureSM | CitizenSecureSM Economy |
| This plan is appropriate if you are... |
Living or working abroad and need worldwide* health insurance? |
Living or working abroad on a tighter budget and need worldwide medical insurance? This is a scheduled benefit plan, offering specific benefit amounts for specific services. |
| Are pre-existing conditions covered? |
YES
If a pre-existing condition is fully disclosed on the application and not excluded or restricted by an Exclusionary Rider or by any other policy provision, then that condition is covered the same as any other Illness or Injury as of the Certificate Effective Date. |
YES
If a pre-existing condition is fully disclosed on the application and not excluded or restricted by any other policy provision, then that condition will be covered upon completion of 24 months of continuous coverage at up to $5,000 per Certificate Period ($50,000 lifetime limit). CitizenSecureSM Economy provides coverage for an Acute Onset of a Pre-existing Condition: Up to $1,000 during the first Certificate Period and up to $2,500 during the second Certificate Period. |
| Is maternity covered? |
YES
Upon completion of 12 months of continuous coverage, the first $100,000 of Eligible Medical Expenses related to Maternity are covered at 50%, and then afterwards at 100% up to a Lifetime Maximum of $250,000. Maternity coverage is subject to the Deductible and Coinsurance. |
YES
Upon completion of 12 months of continuous coverage, Eligible Medical Expenses related to Maternity are covered up to a maximum of $5,000 per Pregnancy. Maternity coverage is subject to the Deductible. |
| Are wellness benefits covered? |
YES
Upon completion of 12 months of continuous coverage, individuals under age 19 or over age 30 are entitled to a wellness benefit of $250 per Certificate Period. Wellness benefits are not subject to the Deductible. |
YES
Upon completion of 12 months of continuous coverage, Members under age 19 are entitled to a wellness benefit of $50 per visit (maximum of 3 visits per Certificate Period).
Upon completion of 24 months of continuous, Members of 19 years of age or over are entitled to a wellness benefit of $250 per Certificate Period, which includes $70 for an office visit and $180 for X-ray and Laboratory. |
| How much is the deductible? |
The amount that must be paid to satisfy the Deductible depends on the amount chosen on the application by the Member. The available Deductible options are $250, $500, $1,000, $2,500, and $5,000. The Deductible must be satisfied per Member, per Certificate Period. (For CitizenSecureSM there is a maximum of 3 Deductibles per Family, per Certificate Period.) |
| Are there other out-of-pocket expenses? |
After the Deductible has been satisfied, it is possible that a Member will be responsible for additional out-of-pocket expenses. Once the Deductible has been satisfied, CitizenSecureSM and CitizenSecureSM Economy begin to pay 80% of the first $5,000 of Eligible Medical Expenses incurred within the United States or Canada. The remaining 20% must be paid out of the Member’s pocket – this is called the Coinsurance. The Coinsurance will be waived for those Eligible Medical Expenses that correspond to services rendered by a U.S. Provider when that Provider: (a) participates in one of the U.S. Preferred Provider Organizations (PPO) listed on the Member’s ID Card and; (b) submits the bill directly to the address listed on the Member’s ID Card. Also, after the Deductible, both plans pay 100% of Eligible Medical Expenses that are incurred outside of the United States and Canada. The Member is responsible for all charges determined to be ineligible based on the applicable plan provisions. |
| What's the maximum coverage amount? |
$5,000,000 Lifetime Maximum |
| Can this policy be renewed? |
YES
CitizenSecureSM and CitizenSecureSM Economy are annually renewable plans. Renewal is subject to continued eligibility. |
| Are there optional benefits available? |
YES
Hazardous Sports Rider: Adds coverage for a number of extreme or thrill-seeking activities otherwise excluded by the plan
- Dental Rider: Offers preventive, basic, and major dental coverage in most countries of the world
- Term Life and Accidental Death & Dismemberment: Provides additional financial protection for individuals located outside of the United States*
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| * To comply with US government regulations, we are unable to sell policies in countries restricted by U.S. economic sanctions and embargo programs and/or other applicable trade sanction laws. |
| Review Coverage | The Atlas Series Atlas Group Travel | Atlas Professional | Atlas Corporate |
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International |
America |
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| This plan is appropriate if you need... |
Medical coverage outside your home country (not including the US) for a relatively short term basis
*Atlas Group Travel requires a minimum of 5 members |
Medical coverage outside your home country, including the US, for a relatively short term basis (non-US citizens only)
*Atlas Group Travel requires a minimum of 5 members |
Medical coverage for multiple trips abroad throughout the year. |
Medical coverage for multiple employees who travel abroad throughout the year. |
| Available Brochures |
Download Atlas Series Brochure |
Download Atlas Group Travel Brochure |
Download Atlas Professional Brochure |
Download Atlas Corporate Brochure |
| How long can I keep this? |
5 days to 12 months, with the option to extend or renew coverage (up to 4 years) |
5 days to 12 months, with the option to extend up to the 12 month maximum |
Annual plan, each trip to last no more than 30 days |
Purchase blocks of days at set rate, minimum 100 days |
| What's the maximum coverage amount available? |
$50,000 - $1,000,000 per Certificate Period ($10,000 for age 80+) |
$1,000,000 per Certificate Period |
$50,000 - $1,000,000 per Certificate Period |
| What's the deductible? |
$0 - $2,500 per Certificate Period |
$250 per trip, per person |
$0 - $2,500 per Certificate Period |
| Are there optional benefits available? |
YES
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YES
- Hazardous Sports Rider
- Terrorism Rider
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YES
- Hazardous Sports Rider
- Acute Onset of Pre-existing Conditions for non-US citizens
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Trip Cancellation Insurance, Comprehensive Medical Insurance, Missionary Medical Insurance, International Major Medical Insurance,
Worldwide Insurance foredical and Evacuation Insurance and International Health Insurance for world travelers and those traveling
outside their own Country.
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CitizenSecureSM
Why Buy International Medical Insurance?
Who is the Plan Administrator?
Who is the Insurer?
Which Coverage Area is Right for Me?
Am I Eligible for CitizenSecureSM?
Is Coverage Under CitizenSecureSM Renewable?
CitizenSecureSM Senior Plan
How Do I Apply for CitizenSecureSM?
What Should I Expect During the Underwriting Process?
Preferred Provider Network (PPO)
How Do I File a Claim?
Hospital Pre-certification
What Are the Plan Features?
What Are the Benefits and Policy Limits?
What Are the Rates?
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Why Buy International Medical Insurance?
The answer is easy. If you are a US citizen living abroad, traditional sources of US private health insurance may not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside, or you may wish to have access to health care in other countries, including the US, in the event you become seriously ill. If you are a non-US citizen, you may need an international medical insurance policy to supplement the coverage available to you through a plan sponsored by your government or to provide coverage while you are outside your home country. If you travel or reside worldwide, you need health insurance that knows no boundaries. HCC Medical Insurance Services has designed CitizenSecureSM to meet your needs.
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Who is the Plan Administrator?
HCC Medical Insurance Services, LLC (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering
a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide.
Our international claims specialists, medical professionals and service representatives are available 24 hours a day, 7 days a
week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency
Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional. HCCMIS is a wholly-
owned subsidiary of HCC Insurance Holdings, Inc. (HCC), a leading international specialty insurance group headquartered in
Houston, Texas. HCC has assets of $9.0 billion, shareholders' equity of $3.0 billion and is rated AA (Very Strong) by Standard
& Poor's and AA (Very Strong) by Fitch Ratings. In addition, HCC's major domestic insurance companies are rated A+ (Superior)by A.M. Best Company.
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Who is the Insurer?
CitizenSecureSM is insured by Syndicate 4141 at Lloyd's, London. Lloyd's is the largest and oldest insurance market in the world
and is rated 'A' (Excellent) by A.M. Best Company and 'A+' (Strong) by Standard & Poor's. Lloyd's provides financial strength
and security that is unparalleled in the worldwide insurance market. Lloyd's is recognized as a market leader in the accident and health insurance arena and is well known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.
Which Coverage Area is Right for Me?
CitizenSecureSM offers two coverage areas: including the US and Canada and excluding the US and Canada. If you desire worldwide coverage, select the "Including the US and Canada" option. If you do not need or desire coverage in the US and Canada, you may obtain lower premiums by selecting the "Excluding the US and Canada" option.
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Am I Eligible for CitizenSecureSM?
CitizenSecureSM is available to citizens of most countries of the world who are at least age 14 days and not over age 74. If you are a US citizen, you must reside outside the US, or be departing the US within 30 days of the effective date. If you are a US citizen, you must also reside outside the US for at least 6 months within each Certificate Period. Citizens of other countries may reside abroad, including the US or their country of citizenship. Optional Term Life Insurance is not available to residents of the US, regardless of your citizenship.
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Is Coverage Under CitizenSecureSM Renewable?
Yes. CitizenSecureSM products are annually renewable. There are no medical questions at renewal. Renewal is subject to your continued eligibility and timely payment of premiums. Your renewal premium will be the same as all persons of the same Certificate origination year, age and gender. If you purchase coverage before you reach the age of 65, and maintain coverage continuously for 10 years, subject to continued eligibility, you will automatically be eligible to apply for the CitizenSecureSM Senior Plan with no medical questions.
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CitizenSecureSM Senior Plan
Eligibility for the standard CitizenSecureSM plan ends at age 75, but for those members who joined before age 65 and have maintained coverage for at least 10 years, the CitizenSecureSM Senior Plan is available with no medical questions. The CitizenSecureSM Senior Plan offers many of the same benefits and limits as the standard CitizenSecureSM plan. The Senior Plan deductibles available are $5,000, $7,500, and $10,000. On the Senior plan, the Overall Maximum Limit is reduced to $1 million. Additionally, the Human Organ Transplant and Emergency Medical Evacuation benefits are deleted.
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How Do I Apply for CitizenSecureSM?
HCCMIS offers a variety of ways for you to apply for coverage. To receive a quote and complete an application online, please click here.
Applying Online, by Fax, or by Mail
Complete the Application for Insurance and send it with your initial premium payment to your agent or to HCCMIS. Remember, your Application will become a permanent part of your record as well as part of your Certificate of Coverage. Answer each question thoroughly and legibly. You may attach additional sheets if necessary.
Within five business days of receipt of your Application, you will be informed of whether your Application has been accepted or of any additional information required for continuing the evaluation of your Application. If your Application is accepted, you will be informed of the effective date of coverage, and a fulfillment kit will be sent via mail containing your Certificate of Coverage, an identification card, a Claimant's Statement, and instructions on how to use your insurance. In the event that your Application is not accepted, HCCMIS will promptly refund your premium.
Applying by Phone
You may apply over the phone by calling 1-866-968-4668 (toll free) or 1-317-221-8098 (collect calls accepted). An underwriting representative will gather your personal details, benefit choices, and medical history and may be able to notify you immediately of acceptance or of additional information needed. In some cases, your application may be pended for additional medical review. Within two business days following any telephone application, an e-mail will be sent to you regarding the status of your application and requesting verification of your application. If you do not meet the eligibility guidelines based on information collected during the call, you will be advised immediately.
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What Should I Expect During the Underwriting Process?
CitizenSecureSM is a medically underwritten plan, which means that your family's medical status and history will be used to determine your eligibility for coverage. When Underwriting reviews your Application, they will evaluate the medical information that you provide and determine whether coverage can be issued and if Riders are necessary. These Riders allow Underwriting to issue a Certificate by excluding coverage for specified conditions.
Additionally, your premium may be impacted by certain factors. If additional premium is due, you will be notified after a medical underwriter has reviewed the application.
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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.
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How Do I File a Claim?
Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains Claimant's Statement and Authorization forms. Complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to HCCMIS. Be sure to complete your Claimant's Statement entirely and sign it. If you have already paid certain expenses, attach copies of your payment receipts. You will be reimbursed for eligible medical or dental expenses. In many cases, HCCMIS will make payments directly to the hospital or physician that treated you. Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.
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Pre-certification
CitizenSecureSM plans require 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.
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What Are the Plan Features?
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The following are excluded from the Optional Dental Rider:
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- 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 related 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
- Charges relating to congenital conditions
- 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, except for Wellness Benefits provided under the plan
- 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 a covered Accident, or unless Dental Rider is purchased
- Orthodontia
- Sealants, bleaching and oral hygiene expenses
Pre-existing Conditions:
If 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. 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:
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 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.
Wellness:
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 30 years of age, you will be entitled to the following Wellness benefit: $250 per Certificate Period for a Routine Physical Exam, including OB/GYN visits for females. Additionally, females who are at least 40 years of age will be entitled to the following benefit: $100 per Certificate Period for a screening mammogram. 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:
CitizenSecureSM 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.
Emergency Reunion:
In the event of a covered Emergency Medical Evacuation, CitizenSecureSM will provide the following benefits: the cost of an economy round-trip air and/or ground ticket for one of your Relatives (parent, spouse, sibling or child age 18 or above) for travel to the area where you are hospitalized following an 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 plan 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 Rider:
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 CitizenSecureSM 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 coverage, which doubles the benefits available to you.
24/7 Worldwide Travel and Medical Assistance
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- Prescription Drug Replacement
- Emergency Travel Arrangements
- Dispatch of Physician
- Translation Assistance
- Credit Card/Traveler Check Replacement
CitizenSecureSM includes valuable travel and medical assistance services, which are available to you 24 hours a day, 7 days a week.
Contact HCCMIS to access any of these services.
Pre-Trip Destination Information - 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
Travel Document Replacement - Assistance with obtaining replacement passports, birth certificates, visas, airline documents,
and other travel-related documents
Lost Luggage Assistance - Tracking service to assist in locating luggage or other items lost in transit
Other travel and medical assistance services available include:
CitizenSecureSM Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service
provided is not a guarantee of any insurance benefit under CitizenSecureSM.
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Click Here for a Free Online Quote!
Copyright © 2011, HCC Medical Insurance Services. All rights reserved.
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"ATLAS" Overseas Travel Medical Insurance
