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Comprehensive Benefit Plans

This type of plan design is much better coverage than a Scheduled Benefit plan.  With this type of plan your "out of pocket maximum" is much more certain.  This also tends to be more expensive than a Scheduled Benefit design.

Scheduled Benefit Plans

This type of plan is designed to be lower priced than the Comprehensive plans.  Outside of the US, the benefit levels are adequate.  The most important benefit difference in this design is that the "$600 maximum per day for Hospital Room; $1,500 maximum per day for Intensive Care" can lead to a hospital billing you above your deductible for charges over the maximum benefit.

International Health and Travel Insurance
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International Health Insurance > HCC Medical Insurance Services > CitizenSecure Plans

HCC Medical Insurance Services

CitizenSecure & CitizenSecure Economy

One Company - Two quality plans to choose from!

CitizenSecure - Comprehensive Benefits

The CitizenSecure is a best in class international health insurance plan.  It features worldwide coverage (or Worldwide excluding US & Canada), maternity, scheduled annual wellness benefits, prescriptions, emergency medical evacuation, and everything else that you would expect from a top-of-the-line policy [more information]

CitizenSecure Economy - Scheduled Benefits

The CitizenSecure Economy plan is a "Scheduled Benefit" international health insurance plan that offers worldwide coverage including the US & Canada. This plan provides a lower cost alternative to people that want coverage in any country around the world. [more information]

International Dental Insurance Rider:

The CitizenSecure plans offer a Dental Insurance Rider to their already popular International Health Insurance plans! This coverage can only be purchased when applying for one of the CitizenSecure International Health Insurance plans.

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.

International Assistance Services:

All Assistance Services are available to you 24 hours a day, 7 days a week while your CitizenSecure Plan is in effect.

Pre-Trip Health and Safety Advisories (available after your purchase of the CitizenSecure 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.

International 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


CitizenSecure Assistance Services are not insurance benefits, any provision of any CitizenSecure Assistance Services is not a guarantee of any other benefit under the CitizenSecure Series.

Lloyd's, the largest and oldest insurance market in the world, is the insurer of the CitizenSecure. Rated A (Excellent) by AM Best Company and A (Strong) by Standard and Poor's, Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market.

Plan Administrator:

HCC Medical Insurance Services (HCCMIS)
Headquartered in Indianapolis, Indiana, HCCMIS is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.6 billion, shareholders’ equity in excess of $2.7 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.

Additional Company Information:

HCC Medical Insurance Services (HCCMIS) was established in 1998. It quickly became a recognized leader in the field of international health insurance, offering a complete portfolio of health and life insurance products to customers in over 130 countries. From its beginning, HCCMIS has focused on providing superior customer service. Emphasizing creative yet solid solutions to the administrative difficulties and service barriers
inherent in the international market, HCCMIS has attracted a team of professionals - including underwriters, claims analysts, and customer service specialists - that are unrivalled in today's market. Augmented by state-of-the-art information technology services, HCCMIS delivers on its promise of astonishing service that adapts to the changing needs of its customers.

 

 

 
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