Call 888.708.0812 or
+1.503.642.4646
FAX - +1.503.212.5599
International > Group Health Insurance > MultiNational Underwriters
International Group Health Insurance
GroupSecure Plan
Medical/Surgical Benefit |
Limit |
Maximum Limit |
$1,000,000 Lifetime or $5,000,000 Lifetime |
Individual Deductible Options |
$150, $250, $500, $1,000 or $2,500 |
Family Deductible |
Maximum of 3 Deductibles per Family per Calendar Year |
Individual Out-of-Pocket Limit |
$1,000 after the Deductible per Calendar Year |
Inpatient Prescription Drugs |
Usual, Reasonable and Customary (Subject to Deductible and Coinsurance). |
Transplant Expense |
Subject to Special Transplant Pre-certification Requirements. Treatment is provided within the PPO. Covered Transplants are: Heart, Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver and Allogeneic and Autologous Bone Marrow. |
Second Surgical Opinion |
Subject to Deductible and Coinsurance unless requested by Underwriters (payable at 100% if requested by Underwriters) |
Maternity & Newborn Care |
Same as any other Illness after 10 months of continuous coverage, including $500 per Calendar Year for Midwife Services. Subject to Special Maternity Pre-certification Requirements. |
Hospital Room and Board |
Average Semi-private room rate, including nursing service |
Intensive Care Unit |
Usual, Reasonable, and Customary |
Medical Plan Payment Percentages
| Benefit | Outside the US |
Inside the US (In-Network) |
Inside the US (Out-of-Network) |
| Hospital Services | 100% |
100% |
80% |
| Physician Services | 100% |
100% |
80% |
| Inpatient Treatment | 100% |
100% |
80% |
| Outpatient Treatment | 100% |
100% |
80% |
| Surgery | 100% |
100% |
80% |
| Physical Therapy and Chiropractic Care ($50 per visit; must be presecribed by medical doctor in relation to covered condition) | 100% |
100% |
80% |
| Local Ambulance $3,000 per Calendar Year |
100% |
100% |
80% |
| Eligible Medical Expenses | 100% |
100% |
80% |
Individual Out-of-Pocket Expenses
After the Deductible, Insured PErsonas are responsible for 20% of the next $5,000 of Eligible Expenses incurred within the US and Canada. This coinsurance will be waived if expenses are incurred within the Perferred Provider Organization and expenses are submitted to Underwriters for review and payment directly to the provider.
US Preferred Provider Organization (PPO)
When seeking treatment in the US, Insured Persons may elect to seek treatment from a provider within the Hygeia PPO network to reduce out-of-pocket expenses. The PPO online directory allows Insured Persons to search for facilities or practitioners with in the area where treatment will be sought.
Optional Benefit Packages
| Benefit | Limit |
| Preventative Package | Preventative benefits are available after 12 months of coverage and are not subject to Deductible Dependent children under 19: $75 per visit (including immunizations), maximum of 3 visits per Calendar Year |
| Emergency Assistance Package | Emergency Medical Evacuation: for Insured Persons under the age of 65
Emergency Reunion: $15,000 per Calendar Year Repatriation of Remains: $25,000 Maximum per Insrued Person |
| Mental Health Disorders | $25,000 Lifetime Maximum after 12 months of continuous coverage, subject to the following sub-limits: Outpatient Treatment: 50% of a Maximum charge of $100 per visit with a Maximum of 52 visits per Calendar Year per Insured Person. Inpatient Treatment: Limited to $10,000 per Calendar Year per Insured Person. |
| Hospital Indemnity | $100 per day, seven day maximum (excluding hospitalization for maternity) |
Vision Package |
After 12 months of continuous coverage and s ubject to $50 Deductible. Covered up to $150 every 24 months for routine eye exam. Covered up to $100 every 24 months for corrective lenses, contacts and frames |
| Term Life and AD&D | For groups with 10 or fewer employees, group term life insurance is automatically included. For larger groups, term life insurance is optional. Life insurance is available in amounts of $10,000, $25,000, $50,000 or a multible of salary up to $125,000 |
Dental Plan Benefits |
Outpatient Prescription Benefits |
|||||||||||||||||||||||||||||||||||||||||
|
*When prescription expenses are incurred in the US or Canada without presenting the card at time of purchase, expenses are subject to Deductible and Coinsurance instead of Copay. Outpatient Prescription Drug CardIf this option is selected, each employee will receive a Prescription Drug Card recognized by 98% of the pharmacy outlets in the US.. |