International Citizen Series
Long term international medical and term life insurance for traveling world wide
The International Citizen Series is available to citizens of all countries of the world. The Platinum plan offers worldwide coverage. For worldwide coverage, excluding the U.S. and Canada, the Premier plan will meet your needs.
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.
Why Buy International Medical Insurance?
The answer is easy. If you are a US citizen living abroad, traditional sources of US private health insurance will not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for participation in the government sponsored plans in the country where you reside. Or you may wish to have access to health care in other countries, including the US, in the event you become seriously ill. If you are a non-US citizen, you may need an international medical insurance policy to supplement the coverage available to you through a plan sponsored by your government or to provide coverage while you are outside your home country. If your lifestyle knows no geographic limits, you need health insurance that knows no boundaries. MultiNational Underwriters® has designed International Citizen Economy to meet the needs of budget conscious International Citizens who want reliable, affordable coverage.
Who is the Plan Administrator?
MultiNational Underwriters®, headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of international travelers. As the flagship company of the Noel Group, we benefit from the experience of a corporate leadership team that covers over 6 million travelers a year. Our international claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional.
Am I Eligible for International Citizen Economy?
International Citizen 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 plan to depart 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 International Citizen Economy Renewable?
Yes. International Citizen 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 International Citizen Senior Plan with no medical questions.
How Do I Apply for International Citizen Economy?
Just complete the Application for Insurance and send it to your agent or to MultiNational Underwriters® with your initial premium payment. Within 5 business days of receipt of your Application, you will be informed as to the acceptance of your Application and your Effective Date, or of any additional information required to continue the evaluation of your Application. Answer each question thoroughly and legibly, and attach additional sheets if necessary. If your Application is not accepted, MultiNational Underwriters® will promptly refund your premium. If your Application is accepted, you will receive a fulfillment kit containing your Certificate of Coverage, an identification card, a Claimant’s Statement, and instructions on how to use your insurance.
International Citizen Senior Plan
Eligibility for the standard International Citizen Economy plans ends at age 75, but for those members who joined before age 65 and have maintained coverage for at least 10 years, the International Citizen Senior Plan is available with no medical questions. The International Citizen Economy Senior Plan offers many of the same great benefits and limits as the standard International Citizen plan. The Senior Plan deductibles available are $5,000, $7,500, and $10,000. On the Senior Economy plan, the Overall Maximum Limit is
reduced to $1 million. Additionally, the Human Organ Transplant and Emergency Medical Evacuation benefits are deleted.
Pre-existing Conditions:
If your Pre-existing Conditions have been fully disclosed on your Application and not excluded or restricted by any other provision of your Certificate, your Pre-existing Conditions are covered up to $5,000 per Certificate Period and $50,000 Lifetime limit after you have been insured continuously for 24 months. 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.
