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Provider Network
The Citizen Secure 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
Benefit |
Limit
All limits are per Certificate Period except as specifically indicated otherwise |
Overall Maximum Limit |
$5,000,000 Lifetime |
Coverage Area |
Option 1 – Including the US and Canada
Option 2 – Excluding the US and Canada |
Deductibles Available |
$250, $500, $1,000, $2,500 or $5,000 per Member per Certificate Period |
Family Deductible |
Maximum of three Deductibles per Family per Certificate Period |
Coinsurance – Claims Incurred in US or Canada* |
After the Deductible, Underwriters will pay 80% of the next $5,000 of Eligible Expenses per Member, 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 |
After the Deductible, Underwriters will pay 100% of Eligible Expenses to the Overall Maximum Limit |
Family Coinsurance |
After $3,000 of Coinsurance has been paid per Family per 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 |
Hospital Room and Board – Outside US or Canada |
Average Private room rate |
Intensive Care Unit – In US or Canada* |
Usual, Reasonable and Customary |
Intensive Care Unit – Outside US or Canada |
Usual, Reasonable and Customary |
Prescription Drugs |
Usual, Reasonable and Customary
Subject to Deductible and Coinsurance |
Mental Health Disorders |
$10,000 per Certificate Period, $25,000 Lifetime Maximum, $50 Maximum per visit per day for outpatient care (after 12 months of continuous coverage) |
Maternity – Normal or Complicated Delivery |
After the Deductible, 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 |
Physical Therapy |
$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 three 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 screening mammogram |
Human Organ/Tissue Transplants |
Same as any other Illness for Covered Transplants** |
All Other Eligible Expenses |
Usual, Reasonable and Customary |
Emergency Medical Evacuation |
$50,000 Lifetime Maximum |
Repatriation of Remains |
$25,000 Limit |
Emergency Reunion |
$10,000 Lifetime Maximum |
Pre-certification Penalty |
50% |
* Benefits within the US and Canada are not available to applicants electing Option 2 as their Coverage Area.
** 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
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 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 citizenship |
Which Coverage Area is Right for Me?
Citizen Secure offers two coverage areas: including the US and Canada and excluding the US and Canada. If you desire worldwide coverage, select the “Including the US and Canada” option. If you do not need or desire coverage in the US or Canada, you may obtain lower premiums by selecting the “Excluding the US and Canada” option.
Am I Eligible for Citizen Secure?
Citizen Secure 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. Citizens of other countries that are long-term residents of the US and that are eligible for mainstream domestic US health insurance are not eligible for the Citizen Secure. Optional Term Life Insurance is not available to residents of the US, regardless of your citizenship.
Is Coverage Under Citizen Secure Renewable?
Yes. Citizen Secure products are annually renewable. There are no medical questions at renewal. Renewal is only subject to your continued eligibility and timely 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 Senior Plan with no medical questions.
How Do I Apply for Citizen Secure?
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 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 and if Riders are necessary. These Riders allow Underwriting to issue a Certificate by excluding coverage for specified conditions.
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 Claimant’s Statement and Authorization forms. 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 medical or dental expenses. In many cases, MultiNational Underwriters® will make payments directly to the hospital or physician that treated you. Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.
Pre-certification
Citizen Secure plans require 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 Senior Plan
Eligibility for the standard Citizen Secure 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 Senior Plan is available with no medical questions. The Citizen Secure Senior Plan offers many of the same great benefits and limits as the standard Citizen Secure plan. The Senior Plan deductibles available are $5,000, $7,500, and $10,000. On the Senior plan, the Overall Maximum Limit is reduced to $1 million. Additionally, the Human Organ Transplant and Emergency Medical Evacuation benefits are deleted.
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:
Citizen Secure 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.
Emergency Reunion:
In the event of a covered Emergency Medical Evacuation, Citizen Secure 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.
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 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 Optional Dental Rider is a must for families as well as individuals. Coverage is provided worldwide at your choice of dentists
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.
Citizen Secure Assistance Services:
All Assistance Services are available to you 24 hours a day, 7 days a week while your Citizen Secure plan is in effect.
Pre-Trip Health and Safety Advisories (available after your purchase of Citizen Secure 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 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 Assistance Services are not insurance benefits, and provision of any Assistance Service is not a guarantee of any other benefit under Citizen Secure.
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-certify 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.
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