Citizen Secure International Medical Insurance

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Rates & Benefits:
Rates including US & CA | Rates excluding US & CA | Benefit Schedule

Comprehensive. Flexible. Reassuring.

These plans offer annually renewable Major Medical coverage for individuals and families. These policies are designed like US styled PPO plans that give you benefits with any doctor and any hospital in the coverage area. Coverage is available for US citizens overseas and non-US citizens anywhere, including the US or their Country of Citizenship . Once you are accepted, these Major Medical plans can move with you from country to country...

International Dental Insurance Rider!

The Citizen Secure plan offers a Dental Insurance Rider to their already popular International Health Insurance plans! This coverage can only be purchased when applying for the Health Insurance plan.

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.

Is Coverage Under The Citizen Secure Renewable?

Yes. The Citizen Secure products are 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 your same 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 Senior Plan, with no medical questions.

Which Plan is Right for Me?

If you desire worldwide coverage, including coverage in the US and Canada, the Citizen Secure plan is right for you. This plan is one of the most comprehensive medical insurance products available, featuring a $5,000,000 lifetime limit, worldwide medical coverage, maternity benefits, mental and nervous benefits, wellness benefits and emergency medical evacuation benefits. If you desire worldwide coverage or coverage excluding the US and Canada, the Citizen Secure plan will meet your needs.

How Do I File a Claim?

Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains claim forms. Just complete the claim form, attach original, itemized bills, and forward them to MultiNational Underwriters, Inc. Be sure to complete your claim form, sign it, and indicate a convenient time and location to contact you in the event questions arise. If you have already paid certain expenses, attach a copy of your paid receipt. You will be reimbursed. In many cases, MultiNational Underwriters, Inc. will make payment directly to the hospital or physician who treated you. Remember, you are responsible for the deductible, coinsurance, and any uncovered charges.