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CitizenSecure^SM

Why Buy International Medical Insurance?

The Answer is easy. 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. HCC Medical Insurance Services has designed Citizen Secure^SM to meet your needs.

Am I Eligible for Citizen Secure^SM?

Citizen Secure^SM 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 US citizen, you must also reside outside the US for at least 6 months within each Certificate 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

How Do I Apply for CitizenSecure^SM?

To receive a quote and complete an application online, please click here. Within 5 business days of receipt of your Application, HCC Medical Insurance Services 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, HCC Medical Insurance Services 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 Claimant's Statement and Authorization form, and instructions on how to use your insurance.

International Dental Insurance Rider:

CitizenSecure^SM offers a Dental Insurance Rider to their already popular International Health Insurance plans! This coverage can only be purchased when applying for one of the CitizenSecure^SM plans.

Optional Sports Rider:

The Optional Sports Rider is a must-have addition for your extreme sports lifestyle. Whether your interests include mountaineering, skydiving, or whitewater rafting, electing the Sports Rider option will add coverage up to a lifetime maximum of $25,000 for these activities excluded by the standard plan. Coverage for contact sports, such as soccer or hockey, is added up to a lifetime maximum of $5,000. The Sports Rider adds coverage for sports and athletics except those activities engaged in for wage, reward, or profit.

Preferred Provider Network (PPO)

Coinsurance will be waived for expenses incurred in the US within our direct-pay PPO.  Simply present your identification card at the provider's office so taht they may contact us to verify benefits and billing information.  For your convenience, HCC Medical Insurance Services also offers an international network.  Both networks are searchable through Client Zone, which is accessible with your Certificate number and date of birth once coverage has been approved.

CitizenSecure^SM Assistance Services:

All Assistance Services are available to you 24 hours a day, 7 days a week while your CitizenSecure^SM Plan is in effect.

• Medical referrals
• Up-to-the-minute travel medical advisories
• Assistance with prescription drug replacement
• Dispatch of a doctor or specialist
• Emergency travel arrangements for family members
• Lost passport or travel documents assistance
• Embassy and consulate referrals
• Legal and accounting referrals
• Bail bond assistance
• Translation and interpretation assistance

CitizenSecure^SM Assistance Services are not insurance benefits, and provision of any International Citizen Assistance Services is not a guarantee of any other benefit under the CitizenSecure^SM.

HCC Medical Insurance Services (HCCMIS)
Headquartered in Indianapolis, Indiana, HCCMIS is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.6 billion, shareholders’ equity in excess of $2.7 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.

Lloyd's, the largest and oldest insurance market in the world, is the insurer of the CitizenSecure^SM international medical insurance plan . 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.