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 a plan sponsored by your government 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. MultiNational Underwriters, Inc. has designed The International Citizen Series to meet your needs.

Who is the Plan Administrator?

MultiNational 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 travelers, expatriates and other international citizens. As a TRAVEL GUARD® International company, we benefit from the experience of a corporate group that protected over 6 million travelers last year. 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 lost your luggage or are in need of an Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and of the highest professional quality.

Who is the Insurer?

These plans are underwritten by Lloyd's, London, the largest and oldest insurance market in the world, with 317 years of experience insuring individuals and corporations internationally. 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. 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.

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 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.

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. If you are a U.S. citizen, you must also reside outside U.S. for at least 6 months within each cerificate period. Citizens of other countries may reside anywhere, including their country of citizenship. Optional Term Life Insurance is not available to residents of the US, regardless of your citizenship.

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.

How Do I Apply for The International Citizen Series?

To receive a quote and complete an application online, please click here. Within 5 business days of receipt of your Application, MultiNational 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, MultiNational 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.

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 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, 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.

Hospital Pre-certification

All plans in The International Citizen Series contain hospital pre-certification provisions. Pre-certification simply means that you must contact MultiNational 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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