CitizenSecure®
Expatriate Health Insurance Coverage while Living Abroad
CitizenSecure® is available to individuals living in locations around the world. The plan is annually renewable and offers comprehensive medical coverage worldwide. An option to exclude coverage within the US and Canada is available. Optional Dental, Term Life and AD&D are also available. This page is dedicated to helping you understand all the benefits, services and coverage that come with a CitizenSecure® expat health insurance plan.
FAQs and Definitions for the CitizenSecure® Plan
CitizenSecure® FAQs
Why Should I Buy International Health Insurance?
Which CitizenSecure® Coverage Area Is Right for Me?
Am I Eligible for CitizenSecure® Expatriate Health Insurance?
Is Coverage Under CitizenSecure® Renewable?
What Should I Expect During the Underwriting Process for a CitizenSecure® Plan?
Do I Need to Have Procedures Pre-certified with a CitizenSecure® Plan?
Am I Eligible for the CitizenSecure® Senior Plan?
What Is Covered Under the CitizenSecure® Expatriate Health Insurance Plan?
CitizenSecure® Definitions
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.
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:
CitizenSecure® 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, CitizenSecure® 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.
Get More Frequently Asked Questions & Definitions.
CitizenSecure® Plan Benefits, Limitations, Exclusions and Optional Benefits¹
| Option1 | Option 2 | |
| Our Worldwide Coverage – Including the US & Canada | Our Worldwide Coverage – Excluding the US & Canada | |
| Benefit¹ | Limits | Limits |
| Overall Maximum Limit | $5,000,000 Lifetime | |
| Coverage Area | Worldwide including the US and Canada | Excluding the US and Canada |
| Deductibles | $250, $500, $1,000, $2,500 or $5,000 per Member per Certificate Period | |
| Family Deductible | Maximum of 3 Deductibles per Family per Certificate Period | |
| Coinsurance – Claims Incurred in US or Canada | Underwriters will pay 80% of the next $5,000 of Eligible Expenses per Member 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 | No coverage in the US or Canada |
| Coinsurance – Claims Incurred outside US or Canada | Underwriters will pay 100% of Eligible Medical Expenses after the Deductible to the Overall Maximum Limit | |
| Family Coinsurance Maximum | After $3,000 of Coinsurance has accumulated per Family in a Certificate Period, Underwriters will pay 100% of Eligible Expenses to the Overall Maximum Limit | |
| Hospital Room and Board – In US or Canada | Average Semi-private room rate, including nursing services | No coverage in the US or Canada |
| Hospital Room and Board – Outside US or Canada | Average Private room rate, including nursing services | |
| Intensive Care Unit – In US or Canada | Usual, Reasonable and Customary | No coverage in the US or Canada |
| Intensive Care Unit – Outside US or Canada | Usual, Reasonable and Customary | |
| Mental Health Disorders | $10,000 per Certificate Period (after 12 months of continuous coverage); $25,000 Lifetime Maximum. $50 per visit maximum for outpatient care | |
| Maternity – Normal or Complicated Delivery Benefit | Underwriters will pay 50% of the next $100,000 of Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000. Covered Maternity expenses include pre-natal, Delivery, and post-natal care (after 12 months of continuous coverage) | |
| Maximum for Maternity | $250,000 Lifetime | |
| Newborn Care | Included as part of Maternity benefits for a maximum of 60 days | |
| Pre-existing Conditions | Same as any other Injury or Illness if disclosed on Application and not excluded or limited by Rider | |
| Local Ambulance | Usual, Reasonable and Customary charges when covered Illness or Injury results in hospitalization as Inpatient | |
| Physical Therapy/Chiropractic Care | $50 Maximum per visit per day | |
| Wellness | All Wellness benefits are available after 12 months of continuous coverage and are not subject to Deductible. Members under age 19: $50 per visit (including immunizations), maximum of 3 visits per Certificate Period. Members age 30 and over: $250 per Member per Certificate Period. Female Members age 40 and over (or qualifying Woman at Risk as herein defined): $100 per Member per Certificate Period for a mammography screening | |
| Human Organ/Tissue Transplants | Same as any other Illness for Covered Transplants | |
| Emergency Medical Evacuation | $50,000 Lifetime Maximum | |
| Repatriation of Remains | $25,000 Limit, per Member | |
| Emergency Reunion | $10,000 Lifetime Maximum | |
| Pre-certification Penalty | 50% | |
¹ This Schedule of Benefits is only a summary of the actual Schedule of Benefits found in the Master Policy. For a complete table, please contact your agent or HCCMIS. All benefits are subject to policy provisions, limitations and exclusions.
² After specified waiting period.
³ This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact HCC Medical Insurance Services, LLC.
CitizenSecure® Plan Exclusions:
The following charges, treatments, care, services, supplies and/or conditions are excluded from coverage³:
- 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
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.
Optional Benefits to Add to the CitizenSecure® Insurance Plan
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 CitizenSecure® 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.
How to Apply for the CitizenSecure® Plan
HCCMIS offers a variety of ways for expats to apply for coverage. Receive a quote and complete an application online today!
Just complete the Application for Insurance and submit it with your initial premium payment. 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.
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.
HCCMIS's Client Zone and World Service Center
24/7 Worldwide Travel and Medical Assistance4
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.
* The claims examples provided above are based on actual international health insurance claims handled by HCCMIS. Coverage for similar international health insurance claims is not to be inferred from the above examples, as all claims are determined to be eligible/ineligible based on the applicable international health insurance policy and the facts and circumstances of each claim.
4 Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.
