International Health Insurance > Missionary Medical

CitizenSecure ^SM Messenger

Why Buy Missionary Medical Insurance?

The Answer is easy. If you are a US citizen serving 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 mission knows no geographic limits, you need health insurance that knows no boundaries. MultiNational Underwriters® has designed The CitizenSecure Messenger to meet your needs.

Am I Eligible for The CitizenSecure Messenger?

The CitizenSecure Messenger 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.

Furlough Requirements:

1. The individual must have been in service outside the United States immediately prior to Furlough. Furlough Coverage is not provided to individuals before they have been in service outside the United States.
2. The individual must be classified by the sponsoring organization as “On Furlough”.
3. The individual must at all times maintain affiliation with the sponsoring organization, and a plan to return to active service outside the US.

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 Underwriters® 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® 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!

The CitizenSecure Messenger offers a Dental Insurance Rider to their already popular International Health Insurance plans! This coverage can only be purchased when applying for the Health Insurance plan.

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.

Is Coverage Under The CitizenSecure Messenger Renewable?

Yes. The CitizenSecure Messenger is 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 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.