International Major Medical Insurance

International Citizens Series

Why Buy International Major Medical Insurance?
Who is the Plan Administrator?
Who is the Insurer?
Which International Major Medical Insurance Plan is Right for Me?
Am I Eligible for The International Citizen Series?
Is Coverage Under The International Citizen Series Renewable?
How Do I Apply for The International Citizen Series?
How Do I File an International Major Medical Claim?
Hospital Pre-certification
What Are the Plan Features?
What Are the Benefits and Policy Limits?
What Are the Rates?

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Why Buy International Major 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 your government sponsored plan, 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 as well. Quote Term Life in conjunction with Multi National Underwriters, Inc. has designed The International Citizen Series to meet your needs.

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Who is the Plan Administrator?

Multi National Underwriters, Inc., 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 citizens. With over 40 years of experience in the international insurance market, the staff of Multi National Underwriters, Inc. is ready to serve you. Our international claims specialists, medical professionals and customer service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have a question about your coverage, or are in need of emergency medical evacuation, you will find our service team to be prompt, compassionate, and of the highest professional quality.

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Who is the Insurer?

Lloyd's of London, the largest and oldest insurance market in the world is the insurer of the International Citizen Series. Rated A by AM Best Company, and A+ by Standard and Poor's, Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd's is recognized as a market leader in the accident and health insurance arena, and is well known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.

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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 insurance coverage, maternity benefits, mental and nervous 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.

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Am I Eligible for The International Citizen Series?

The International Citizen Series 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, and plan to reside abroad for at least 6 months. Citizens of other countries may reside anywhere, including their country of citizenship.

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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 your same 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.

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How Do I Apply for The International Citizen Series?

To receive a quote and complete an application online within 48 hours of receipt of your Application, Multi National will inform you as to the acceptance of your application and your effective date, or of any additional information required to continue considering your application. Remember, your Application will become a permanent part of your record, and will become a part of your certificate of coverage. Answer each question thoroughly and legibly, and attach additional sheets if necessary. If your application is not accepted, Multi National Underwriters, Inc. 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 claim form, and instructions on how to use your insurance.

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How Do I File a Claim?

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 Multi National 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, Multi National Underwriters, Inc. 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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Hospital Pre-certification

All plans in The International Citizen Series contain hospital pre-certification provisions. Pre-certification simply means that you must contact Multi National Underwriters, Inc. as soon as possible before a planned hospitalization or surgical procedure, or 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.

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What Are the Plan Features?

Pre-existing Conditions:
If you are insured under the Platinum plan, and 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. If you are insured under the Premier plan, your pre-existing conditions are covered up to a lifetime limit of $25,000 after you have been insured continuously for 24 months. If you are insured under the Risk-Share plan, your pre-existing conditions are not covered.

Pre-existing conditions include any injury or illness or mental/nervous condition that existed at or prior to your initial effective date, including chronic, recurring and congenital conditions.

What Are the Exclusions and Limitations?
The following charges, treatments, care, services, supplies and/or conditions are excluded from coverage:

Charges not incurred during the certificate period
Services or treatment payable by another insurance or government
Substance abuse
Charges which exceed reasonable and customary
Investigational or experimental surgeries or treatment
Custodial, educational or rehabilitative care
Weight modification
Cosmetic surgery, unless reconstructive following covered surgery
Individuals HIV+ at effective date
Drugs or treatment for sexual dysfunction
Drugs or treatment to promote or prevent conception
Dental treatment, except emergency treatment following covered accident
Devices or procedures to correct sight or hearing
Self inflicted injury or illness
Routine foot care
Treatment or supplies not ordered by a physician or not medically necessary
Organ transplants, except for covered transplants
Speech or acupuncture therapy

This is a summary of the exclusions contained in the Master Policy. See the Master Policy for a complete list of exclusions.

Waiting Period for Certain Illnesses:
If you are insured under the Platinum or Premier plans, the following conditions are excluded for the first 180 days of coverage: any condition of the breast, prostate, tonsils, adenoids, hemorrhoids, the reproductive system, hernia, gall stones or kidney stones. If you are insured under the Risk Share plan, all illnesses are excluded for the first 90 days of coverage.

Wellness:
If you are insured under the Platinum plan, and are at least 35 years old, you will be entitled to the Wellness benefit after 24 months of coverage. This benefit provides $150 per certificate period for a routine physical exam, including mammogram and OB/GYN visits for females.

Emergency Medical Evacuation:
If you are insured under the Platinum plan, you are covered for emergency medical evacuation to the nearest medical facility qualified to treat your life threatening condition. All emergency medical evacuations must be approved in advance and coordinated by Multi National Underwriters, Inc. Multi National Underwriters, Inc. is available 24 hours a day, 7 days a week, to approve and coordinate emergency medical evacuations. Emergency medical evacuations provide you with access to care when you need it most.

Other services provided by Multi National Underwriters, Inc:
Hospital/Physician Referral: Multi National Underwriters, Inc. maintains relationships with hospitals and physicians throughout the world, and this network is growing daily. If you need a referral, just contact Multi National Underwriters, Inc. and one of our Customer Service Representatives will assist you.

Patient Advocacy Services: If you are faced with a complex or severe medical condition, you will be assigned to one of Multi National's Patient Advocates. Your Patient Advocate is your personal assistant at Multi National Underwriters on all matters relating to your treatment and claim, with the goal of securing the best possible care for you in a convenient and cost effective setting.

General Customer Service:
You've lost your ID card or your Certificate. Or, you have a question about your insurance. Or, you have filed a claim and you want to know the status of payment. These and many more questions may arise from time to time. Multi National Underwriters, Inc. Customer Service Team is ready to respond. If you do not speak English, your Customer Service Representative will arrange for a telephone translator to monitor your call and assist in providing the answers you need.

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