Is Coverage Under The International Citizen Series Renewable?
Yes. The International Citizen Series 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 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 International
Citizen 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 Platinum 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 health benefits,
wellness benefits and emergency medical evacuation benefits. If you desire
worldwide coverage, excluding the US and Canada, either the Premier or
Risk Share plans will meet your needs, depending on your budget and your
appetite for risk.
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. Just
complete the claimant's Statement and Authorization forms, 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 for eligible medical expenses. 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 eligible charges.
International Citizen Assistance Services :
The following Assistance Services are available to you 24 hours a day,
7 days a week while your International Citizen Plan is in effect.
Pre-Trip Health and Safery Advisories (available after your purchase
of the International Citizen Series, 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.
Other International Citizen Assistance Services 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
International Citizen Assistance Services are not insurance benefits
and provision of any International Citizen Assistance Services is not
a guarantee of any other benefit under the International Citizen Series.
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