Citizen Secure Economy

Annual, Worldwide International Health Insurance

Provider Network

The Citizen Secure Economy plan uses the Hygeia Network within the USA. Under the plan, when you stay within this network the coinsurance will be waived and expenses that are submitted will be paid directly to the provider.

 

Plan Benefits

 

Benefits	Limits
Overall Maximum Limit	$5,000,000 Lifetime
Coverage Area	Worldwide
Deductibles Available	$250, $500, $1,000, $2,500 or $5,000 per person per Certificate Period
Coinsurance – Claims Incurred in US or Canada	Underwriters will pay 80% of the next $5,000 of Eligible Medical Expenses after the Deductible, then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider
Coinsurance – Claims Incurred outside US or Canada	Underwriters will pay 100% of Eligible Medical Expenses after the Deductible to the Overall Maximum Limit
Acute Onset of Pre-existing Condition	$1,000 during the first Certificate Period and $2,500 during the second Certificate Period
Pre-existing Conditions	$5,000 per Certificate Period subject to a Lifetime Maximum of $50,000 (including Acute Onset claims) after 24 months of continuous coverage hereunder
Maternity	$5,000 per Pregnancy after 12 months of continuous coverage hereunder, including Inpatient, Outpatient and other benefits as herein provided. Not subject to Coinsurance
Newborn Care	$15,000 per covered Pregnancy, including Inpatient, Outpatient and other benefits as herein provided, during the first 60 days of life
Organ Transplants	$250,000 Lifetime Maximum for Covered Transplants*
INPATIENT BENEFITS  (All Subject to Deductible and Coinsurance)
Hospital Room and Board	$600 per day, maximum of 240 days per Hospitalization (including ICU days)
Intensive Care Unit (ICU)	$1,500 per day, maximum of 240 days per Hospitalization (including non-ICU days)
Lab, x-rays and other covered Inpatient services & supplies	Usual, Reasonable and Customary Charges (except as limited herein)
OUTPATIENT BENEFITS (All Subject to Deductible and Coinsurance)
Office Visits (Including Physician, Specialist Physician, Psychiatrist, Chiropractor, Surgical Consultant, Physical or Occupational Therapist)	25 visits per Certificate Period per person as provided herein
Physician	$70 per visit
Specialist Physician	$70 per visit
Psychiatrist	$60 per visit, after 12 months of continuous coverage hereunder
Chiropractor	$50 per visit (must be prescribed by another non-Chiropractor Physician)
Surgical Consultant	$500 per consultation prior to Surgery
Physical or Occupational Therapy	$50 per visit (must be prescribed by a Physician who is not affiliated with the Physical Therapy practice)
X-rays	$250 per exam (includes Sonograms, Ultrasounds and diagnostic Mammograms)
Laboratory	$300 per exam (includes all procedures carried out on one specimen)
Emergency Room	Usual, Reasonable and Customary for covered Illnesses if hospitalized as Inpatient and for covered Injuries
Local Ambulance	$1,500 per Certificate Period per person
INPATIENT or OUTPATIENT BENEFITS (All Subject to Deductible and Coinsurance)
Prescription Medications	Usual, Reasonable and Customary
Surgery	Usual, Reasonable and Customary
Assistant Surgeon	20% of Surgeon benefit
Anesthesiologist	20% of Surgeon benefit
Midwife Services	$500 per covered Pregnancy
MRI, CAT Scan, Echocardiography, Endoscopy, Gastroscopy, Colonoscopy and Cystoscopy	$600 per exam
Chemotherapy and Radiation Therapy	Usual, Reasonable and Customary
WELLNESS BENEFITS (Not Subject to Deductible or Coinsurance)
Well Child (under age 19)	$50 per visit for a maximum of 3 visits per Certificate Period (included in Office Visit limit), after 12 months of continuous coverage hereunder
Wellness (Adult 19+)	$250 per Certificate Period, after 24 months of continuous coverage hereunder, including Office Visit for $70 and X-Ray and Lab for $180
OTHER BENEFITS (All Subject to Deductible and Coinsurance)
Durable Medical Equipment	Usual, Reasonable and Customary charges for Wheelchair, Hospital Bed, and/or Toilet
Emergency Medical Evacuation	$50,000 per Certificate Period
Repatriation of Remains	$25,000 Maximum
Emergency Reunion	$5,000 Lifetime Maximum
* Covered Transplants include Heart, Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow.

 

Optional Dental Rider

 

	Certificate Period 1	Certificate Period 2	Certificate Period 3 and after
Preventative Dental Benefits Children age 9 through 16 (after 3 months of continuous coverage)	100%	100%	100%
Basic Dental Benefits (after 6 months of continuous coverage)	50%	65%	80%
Major Dental Benefits (after 6 months of continuous coverage)	30%	40%	50%
Dental Deductible	$100 per Certificate Period per person	$100 per Certificate Period per person	$100 per Certificate Period per person
Maximum Dental Benefits	$500 per Certificate Period per person	$750 per Certificate Period per person	$1,000 per Certificate Period per person

 

Optional Term Life Insurance

 

Age	Option 1 – Principal Sum	Option 2 – Principal Sum
19 to 59	$50,000	$100,000
60 to 64	$25,000	$50,000
65 to 69	$10,000	Not Available
Dependent Child	$5,000	Not Available
- You may choose a different option for each family member taking Term Life coverage. - Not available to residents of the US, regardless of your citizenship

 

Optional Accidental Death and Dismemberment

 

Accidental Death	Principal Sum to Beneficiary
Accidental Loss of Two Limbs	Principal Sum to Member
Accidental Loss of One Limb	50% of Principal Sum to Member
- “Limb” means hand, foot, or eye. The Benefit is based on age at the time of death or dismemberment. - Not available to residents of the US, regardless of your citizenship

 

Wellness

After 12 months of continuous coverage, children under the age of 19 are eligible for Wellness benefits that are not subject to the Deductible. After 24 months of continuous coverage, adults age 19 and older are eligible for Wellness benefits that are not subject to the Deductible. Wellness benefits include routine physical exams, tests and immunizations, as well as mammogram and OB/GYN visits for adult females.

 

Emergency Medical Evacuation:

Citizen Secure 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 MultiNational Underwriters®. Emergency Medical Evacuations provide you with access to care when you need it most. MultiNational Underwriters® 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.

 

Emergency Reunion:

In the event of a covered Emergency Medical Evacuation, the plan 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 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, Citizen Secure 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:

The Optional Dental Rider provides important benefits for families including Preventative care for children and Basic and Major Dental Benefits for both children and adults. Preventative Benefits include routine oral exams and x-rays, cleaning and fluoride treatments. Basic Benefits include periodontics, endodontics, extractions and fillings. Major Benefits include crowns, bridges and dentures. The Citizen Secure Economy Optional Dental Rider is a must for families as well as individuals. Coverage is provided worldwide at your choice of dentists.

 

Optional Sports Rider:

The Optional Sports Rider is a must-have addition 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 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 available 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.

 

Am I Eligible for Citizen Secure Economy?

Citizen Secure Economy is available to citizens of all countries of the world who are at least age 14 days and not older than 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 anywhere, including their country of citizenship.

 

Is Coverage Under Citizen Secure Economy Renewable?

Yes. Citizen Secure Economy is annually renewable. There are no medical questions at renewal. Renewal is only subject to your continued eligibility and 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 Citizen Secure Economy Senior Plan with no medical questions.

 

How Do I Apply for Citizen Secure Economy?

MultiNational Underwriters® offers a variety of easy ways for you to apply for coverage.

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 MultiNational Underwriters®. 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, MultiNational Underwriters® will promptly refund your premium.

Applying by Phone
You may apply over the phone by calling 1-888-247-1387 (toll free) or 1-904-247-1387 (collect calls accepted). The underwriting representative will gather your personal details, benefit choices, and medical history and may be able to notify you immediately of acceptance or 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.

 

What Should I Expect During the Underwriting Process?

Citizen Secure Economy 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. Additionally, your premium may be impacted by your tobacco and alcohol use, body build, and family history details. If additional premium is due, you will be notified after a medical underwriter has reviewed the application.

 

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, MultiNational Underwriters® 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.

 

How Do I File a Claim?

Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains a Claimant’s Statement and Authorization form. Just complete this Claimant’s Statement and Authorization form, attach original, itemized bills, and forward them to MultiNational Underwriters®. 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 Expenses. In many cases, MultiNational Underwriters® will make payments directly to the hospital or physician who treated you. Remember, you are responsible for the Deductible, Coinsurance, and any ineligible charges.

 

Pre-certification

Citizen Secure Economy requires Pre-certification, which simply means that you must contact MultiNational Underwriters® 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.

 

Citizen Secure Economy Senior Plan

Eligibility for the standard Citizen Secure Economy plan ends at age 75, but for those members who joined before age 65 and have maintained coverage for at least 10 years, the Citizen Secure Economy Senior plan is available with no medical questions. The Citizen Secure Economy Senior Plan offers many of the same great benefits and limits as the standard International Citizen Economy plan. The Deductibles available on the Economy Senior plan are $5,000, $7,500, and $10,000. On the Economy Senior plan, the Overall Maximum Limit is reduced to $1 million. Additionally, the Human Organ Transplant and Emergency Medical Evacuation benefits are deleted.

 

Citizen Secure Economy Assistance Services:

All Assistance Services are available to you 24 hours a day, 7 days a week while your Citizen Secure Economy plan is in effect.

Pre-Trip Health and Safety Advisories (available after your purchase of Citizen Secure Economy, and before your departure) – Call us for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.

Livetravel Services – We will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

BagTrak – We are the industry leaders in tracking lost checked baggage. We will help you locate your lost checked baggage and deliver it to you anywhere in the world.

Emergency Message Relay – We will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

Emergency Cash Transfers – We will assist you in arranging and obtaining cash transfers anywhere in the world.

Citizen Secure Economy Assistance Services also include:
• Medical referrals
• Up-to-the-minute travel medical advisories
• Assistance with prescription drug replacement
• Dispatch of a doctor or specialist
• Emergency travel arrangements for family members
• Lost passport or travel documents assistance
• Embassy and consulate referrals
• Legal and accounting referrals
• Bail bond assistance
• Translation and interpretation assistance

Citizen Secure Economy Assistance Services are not insurance benefits, and provision of any service is not a guarantee of any other benefit under Citizen Secure Economy.

 

Client Relations

Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, MNU is always ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone. 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-notify 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

At times, there is simply no substitute for human intervention. MNU’s Client Relations team is available 24 hours a day, 7 days a week to answer your questions and may be reached at no cost through our worldwide toll-free numbers. Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, the MNU Client Relations Specialist will arrange one.