|
Q |
Am I covered as a
professional or amateur
athlete and should I
purchase the hazardous
rider? |
|
A |
No coverage for any
organized professional or
amateur sporting activities. |
Q |
One of the excluded items
is emergency room charges
for illness. Does that mean
that I am not covered in the
ER and are ER charges for
injuries and accidents
covered? |
|
A |
The coverage does not cover
going to the ER for a cold,
but if it is an illness that
requires and overnight stay,
then you are covered.
Accidents and injuries are
covered. |
Q |
I will be traveling to a
country that requires that I
show proof of medical
coverage and was wondering
if my ID card is acceptable
by the country's consulate? |
|
A |
You may be required to
produce a Visa letter, which
is a document to
substantiate that your
coverage will be effective
during your travels to a
specific country. |
Q |
I am a US citizen and
will be applying to be a
Canadian citizen in 3 to 6
months. However, I plan to
come back to the states for
a week. What do you
recommend? |
|
A |
You can purchase the Atlas
Series for at least 3 months
and purchase the Incidental
Home Country Rider, which
will provide coverage in
your home country during one
incidental trip of up to 10
days. |
Q |
Are pre-existing
conditions covered? And can
I be turned down for
coverage? |
|
A |
No, you will not be turned
down, as the Atlas Series
plans are guaranteed issued
plans. There is a look back
period for pre-existing
conditions for 5 years from
the date of application for
any illness, injury or
medical condition that will
not be covers under the
Atlas Series. The only
exception is when you are
covered with the Atlas
Extra, you will have a
pre-existing limitation of
coverage for up to $2,500
for a sudden and unexpected
outbreak or reoccurrence of
a pre-existing condition.
Treatment must be sought
within 24 hours of the
unexpected occurrence. |
Q |
If I purchase the Atlas
Extra for 12 months and end
up coming back to my home
country after 10 months, am
I entitled to a refund of
the difference in coverage I
do not use? |
|
A |
Yes. Cancellation requests
received after the effective
date will be subject to the
following conditions: (1) a
$25 cancellation fee will
apply; (2) only the unused
portion of the plan cost
will be refunded; and (3)
only members who have no
claims are eligible for
cancellation. |
Q |
Who is The Plan
Administrator? |
|
A |
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.
|
Citizen Secure Plan
Frequently Asked Questions
|
Q |
Which Plan is Right for
Me? |
|
A |
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, excluding the
US and Canada, the
Citizen Secure plan will
meet your needs,
depending on your budget
and your appetite for
risk.
|
Q |
Can I pay monthly for my
coverage? |
|
A |
Yes. Payment options are
annual, semi-annual,
quarterly, and monthly
(first payment will be for
two months). |
Q |
I am a US citizen living
in Spain, however I will be
returning to the US for
period of 25 days in
December for the holidays.
What are my options? |
|
A |
With the Citizen Secure
plan, you can travel back to
the US, as long as you are
living abroad for at least 6
months. |
Q |
Is there a provider
listing of hospitals or
doctors affiliated with this
health plan in the US? Is it
required to use these
preferred providers? |
|
A |
Yes. Go to
Hygeia.net for an online
listing of providers. It is
not necessary to use these
providers, but you may have
usual and customary charges
associated with non-network
providers in the US. |
Q |
Is there a network
outside the U.S.? |
|
A |
There are a number of
providers which offer direct
payments and negotiated
discounts. However, it is
not necessary to use
specific providers outside
the US. |
Q |
What is the policy on
pre-certification of
emergency hospitalization? |
|
A |
You will need to contact
MultiNational Underwriters
to pre-certify as soon as
possible before a scheduled
surgical or planned
hospitalization, with in 48
hours of an emergency
hospitalization or within
the first 90 days of
pregnancy. |
Q |
How can I pre-certify for
medical services or
hospitalization when I am
involved in an accident or
injury? |
|
A |
In the case of being
admitted to the hospital,
due to an accident or
injury, pre-certification is
required within 48 hours of
being admitted to a
hospital. |
Q |
Are Prescription Drugs
covered? |
|
A |
Yes, as eligible medical
expenses covered under your
deductible and coinsurance. |
Q |
If my application is not
accepted, is the premium
refundable? |
|
A |
Yes, since the Citizen
Secure plan is fully
underwritten, and if an
offer for coverage is not
available, then no charges
will be applied on your
credit card. |
|
Q |
How do I file a claim? |
|
A |
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, LLC will make
payment directly to the
hospital or physician who
treated you. Remember, you
are responsible for the
deductible, coinsurance and
any uncovered charges. |
|
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