International > Group Health Insurance > MultiNational Underwriters

International Group Health Insurance

What are the plan features?

Pre-existing Conditions:
Pre-existing Conditions are covered after 12 months of continuous coverage under the MultiNational GroupSecure Plan. If the MultiNational GroupSecure Plan is replacing another group insurance plan, time insured under the prior plan will reduce the 12 month wait for coverage of Pre-existing Conditions.

Wellness:
For employees age 35 and older, the MultiNational GroupSecure Plan provides up to $150 for an annual routine physical exam after 12 months of continuous coverage. Dependent children under age 19 may have up to 3 visits ($50 maximum per visit) for routine wellness after 12 months of continuous coverage.

Maternity and Newborn Care:
Maternity expenses, including pre-natal care, delivery and postnatal care, are covered on the same basis as any other Illness after 10 months of continuous coverage. Newborns are covered from the moment of birth, provided the delivery is covered, and as long as the Newborn is properly enrolled within the first 31 days of life.

Outpatient Prescription Drug Card:
If this option is selected, each employee will receive a Prescription Drug Card recognized by 98% of the pharmacy outlets in the US.

Emergency Medical Evacuation:
Emergency Medical Evacuation to the nearest medical facility qualified to treat the life threatening condition is covered. All Emergency Medical Evacuations must be approved in advance by MultiNational Underwriters, Inc.. MultiNational Underwriters, Inc. is available 24 hours a day, 7 days a week, to approve and coordinate Emergency Medical Evacuations.

Pre-Certification:
All Hospitalizations, certain Outpatient procedures, Maternity, and Transplants must be Pre-certified.

Pre-certification is easy. The patient or the Physician simply calls MultiNational Underwriters, Inc. with all information about the medical condition. For Maternity, Pre-certification must be done within the first 90 days of pregnancy. All other Pre-certifications must be done as soon as possible before the expense is incurred, or within 48 hours in the event of an emergency. If you do not Pre-certify, benefits will be significantly reduced, and in the case of Transplants, benefits will be forfeited.

Preferred Provider Organization:
Insured members may choose any Physician or any Hospital. When seeking treatment in the US, co-insurance will be waived for Eligible Expenses incurred in the Hygeia PPO Network. The PPO online directory allows members to search for facilities or practitioners in the area where treatment will be sought.

Group Term Life and AD&D Insurance:
For groups with 10 or fewer employees, group term life insurance is automatically included. For larger groups, term life coverage is optional. Life insurance is available in amounts of $10,000, $25,000, $50,000, or a multiple of salary up to $125,000.

Optional Group Dental Plan:
This plan offers optional Dental coverage for preventive and diagnostic procedures as well as basic and major dental procedures with a $1000 calendar year maximum. An optional orthodontia benefit is also available.