Request Information	International Travel Medical Insurance Offered by: HCC Medical Insurance Services	800 601-5433
	Global | Foreign | Expatriates | Overseas | Worldwide Worldwide Medical insurance • International Health Insurance • Trip Insurance   Travelers Insurance • Insurance for Immigrants • Missionary Insurance Expatriate Insurance • Exchange Students Medical Plans   Short Term Overseas Medical Insurance  (5 Days -1 Year) Permament Overseas Medical Insurance  (1 Year or More) Find An International Medical Plan That Is Right For You	Your phone call with questions is always  welcome

Worldmedicalplans.com...Providing Medical Insurance, International Travel Insurance, Evacuation Insurance, Trip Cancellation Insurance, Comprehensive Medical Insurance, Missionary Medical Insurance, Ex Patriate Insurance, Worldwide Insurance for Individuals and families, Medical and Evacuation Insurance and International Health Insurance for world travelers and those traveling outside their own country. Continuous renewal available as little as 5 days at a time, Immediate coverage available, Download Citizen Secure Brochure. Download Citizen Secure Application (long term coverage (1 year and longer). 
  

Each year millions of individuals depart their home countries for travel abroad for vacations, corporate or business travel, international study abroad, International Health Insurance and missionary travel insurance to name a few. Many international travelers discover the hard way that their home country medical insurance policies provide little or no coverage for losses incurred while on international trips or living abroad. Medical treatment away from home can be expensive and evacuation from a life threatening situation can cost thousands of dollars more than the cost of the trip abroad. MultiNational Underwriters^® helps take the risk out of international travel. Protection against these losses is available for individuals traveling outside of their home countries. 

Compare CitizenSecure Products
	Living or working abroad and need worldwide* health coverage.   Living or working abroad on a tighter budget and need worldwide* health coverage. This is a scheduled benefit plan, offering specific benefit amounts for specific services.

 

Two CitizenSecure^SM policies designed for different budgets

 

	CitizenSecureSM	CitizenSecureSM Economy
This plan is appropriate if you are...	Living or working abroad and need worldwide* health coverage.	Living or working abroad on a tighter budget and need worldwide* health coverage. 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*
* 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.

   

Compare Atlas Plans

Find a suitable travel medical plan

     

	The Atlas Series / Atlas Group Travel		Atlas Professional	Atlas Corporate
	International	America
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 Series 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 Hazardous Sports Rider		YES Hazardous Sports Rider Terrorism Rider	YES Hazardous Sports Rider Acute Onset of Pre-existing Conditions for non-US citizens