|
Product Features |
GLOBAL CITIZEN |
Citizen Secure |
Reside Prime |
Citizen Secure - Economy |
|
Price Quote |
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| Maximum
Time Allowed Outside the U.S. |
UNLIMITED |
UNLIMITED |
Unlimited outside the US and Canada |
UNLIMITED |
| Maximum
Time Allowed in the U.S. |
UNLIMITED |
Up to 6 Months for US Citizen / No Limit
for Non US Citizen |
Up to 6 Months |
Up to 6 Months for US Citizen / No Limit
for Non US Citizen |
| Can
Policy Be Kept Upon Return to the US |
YES
(Why is this Important) |
Up to 6 months max. |
Up to 6 months max. |
Up to 6 months max. |
|
Eligibility |
US Citizen or Resident |
US and Non US Citizen |
US and Non Citizen |
US and Non Citizen |
| Country
Restrictions |
Afghanistan, Iraq & Israel |
US Trade Embargo countries restricted see
OFAC for current list |
None |
US Trade Embargo countries restricted see
OFAC for current list |
| ISA
Rating |
 |
|
 |
|
|
Insurance Coverage |
| Maximum
Medical coverage Limits |
$5,000,000 |
$5,000,000 |
$5,000,000 |
$5,000,000 |
|
Pre-existing Condition Exclusion Period |
180 days - exclusion waived w/ prior
credible coverage |
Temporary or Permanently Excluded |
2 year waiting period then $50,000
lifetime max / $5,000 per year |
2 year waiting period then $50,000
lifetime max / $5,000 per year |
| Maximum
Emergency Medical Evacuation Coverage |
$100,000 |
$50,000 |
$50,000 |
$50,000 |
|
Maternity Annual Max. |
Covered up to the policy max. |
50% of first $100,000 and the n100% to
lifetime max of $250,000 |
$7,500 per pregnancy |
$5,000 per pregnancy |
|
Maternity Waiting Period |
Benefit as upgrade after 12 months |
12 months |
12 months |
12 months |
|
Wellness Benefits |
Covered to Policy and NO Waiting
Periods |
$250 Annual Benefit after 12 months
of cont. coverage |
$250 Annual Benefit after 12 months
of cont. coverage |
$250 Annual Benefit after 12 months
of cont. coverage |
|
Deductible Waiver |
Waived for all physician visits and
wellness |
waived only for wellness after 12 months
of coverage |
waived only for wellness after 12 months
of coverage |
waived only for wellness after 12 months
of coverage |
|
Chiropractic and Acupuncture |
Covered up to $2,000 with no waiting
period |
Covered AFTER referred by a physician |
Covered AFTER referred by a physician |
Covered AFTER referred by a physician |
| Mental
Health Benefit |
100% up to 20 inpatient and 30
outpatient visits per year w/ no waiting period |
$25,000 lifetime benefit / $10,000 annual
benefit after 12 month waiting period |
$50,000 lifetime benefit after 12 month
waiting period |
$60 per visit after 12 month waiting
period |
|
Details, Exclusions and Limitations |
Plan Description |
Plan Description |
Plan Description |
Plan Description |
|
Coverage for Non-Emergency Medical Care |
Yes |
Yes |
Yes |
Yes |
|
Coverage for Emergency Medical Care |
Yes |
Yes |
Yes |
Yes |
|
Prescription Drug Benefit |
All RX Drugs including maintenance
medications |
All RX Drugs excluding maintenance
medications |
All RX Drugs excluding maintenance
medications |
All RX Drugs excluding maintenance
medications |
|
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|
Conditional Waiting Period |
|
Excluded Illnesses or Injuries in the first 180 days |
No specific conditions excluded |
Asthma, allergies, tonsillectomy, back
conditions, Adenoidectomy, hemorrhoids, disorders of the reproductive
system, hysterectomy, hernia, gall stones or kidney stones, any
condition of the heart and any condition of the prostate |
|
Pre-existing Conditions Covered |
180 Day Exclusion, waived with prior
credible coverage |
Depending on Underwriting |
2 Year Waiting Period |
2 Year Waiting Period |
|
Optional Outside the US and Canada only coverage |
Yes |
Yes |
No |
No |
|
Details, Exclusions and Limitations |
Plan Description |
Plan Description |
Plan Description |
Plan Description |
|
Global Health and Safety Resources |
| Online
Doctor Search |
Yes |
Yes |
No |
Yes |
|
Online destination Health and Security Information |
Yes |
No |
No |
No |
| Online
Drug Translation Guide |
Yes |
No |
No |
No |
| Medical
Term and Phrase Translation Databases |
Yes |
No |
No |
No |
| Text &
Email Health & Security News Alerts |
Yes |
No |
No |
No |
|
Additional Benefits |
| Toll
Free Telephone Access to All Services |
Yes |
Yes |
Yes |
Yes |
| 24
hours/7 days Global Medical Assistance |
Yes |
Yes |
Yes |
Yes |
| 10 Day
Money Back Guarantee |
Yes |
No |
No |
No |
|
Published Renewal Rates |
Published Rates are the Same as Renewal
Rates |
Renewal Rates can be higher than published
rates |
Renewal Rates can be higher than published
rates |
Renewal Rates can be higher than published
rates |
|
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