Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Global Citizen has three tiers of coinsurance 100% outside the US, 80% in network inside the US and 60% out of network inside the US.
No limit on the time spent in or out of US.
No waiting period associated with any preventive services.
No precertification required except for transplants.
The pre-existing condition exclusion can be waived with proof of prior creditable insurance.
Maternity is not covered under this plan. However after a waiting period of 1 year under global citizen, this plan members may apply for a new plan that covers maternity costs.
Global Citizen Insurance is an ideal worldwide long term major medical health insurance policy. Global Citizen Insurance works very well for international citizens living in the United States who want to retain their insurance coverage when they move around the globe. Global Citizen Insurance is an annual, renewable policy that includes comprehensive, major medical coverage inside and outside the U.S. This plan offers Coverage for pre-exisiting medical conditions
All U.S. citizen living aboard who are 74 or younger at the time of application are eligible to apply for the coverage.
All U.S. residents (citizens and foreign nationals) residing in an approved state 74 years or younger at the time of application.
Policy Maximum?: Unlimited
US$0 and US$25,000.
Coinsurance?: Plan will pay 100% of the covered amount.
Pre-Existing Condition Coverage: Benefits are not available for any services received: (1) on or within 6 months after the eligibility date of an insured person who is not a late enrolled; or (2) on or within 6 months after the effective date of coverage for a late enrollee. 180 day exclusionary period which is waived if creditable coverage can be proved.
Accidental dental: $1000 per year, $200 per tooth.
Insurers waives deductible
Repatriation of Remains: Upto $25,000 (Outside U.S)
Accidental death and dismemberment (excludes loss due to common carrier accident): Sum upto $50,000