Comparison: Health Insurance
Comparison of Health Insurance
| Benefit | Premier Plus | Global Citizen | Citizen Secure |
| Eligibility | Individuals or Families who are residing outside the US or Canada. Maximum age for applicants is 70. |
US Citizens or Residents residing outside of the US. Maximum age for applicants is 74. Not available to residents of MD, MA, MN, NH, OR, or SD. |
Individuals or Families who are residing outside the US or Canada. Maximum age for applicants is 74. |
| Renewable Until Age | No Limit |
84 |
75 |
| Coverage Areas | Worldwide |
Worldwide or Excluding US |
Worldwide or Excluding US and Canada |
| US Residence Allowed |
|
|
 |
| Coverage Type | Major Medical |
Major Medical |
Major Medical |
| Coinsurance | |
 |
|
| Policy Maximum | $2,000,000 Per Insured Per Policy Year |
$5,000,000 Lifetime Maximum Per Insured |
$5,000,000 Lifetime |
| Required use of Network Providers | |
|
|
| Emergency Medical Evacuation | $50,000 |
$100,000 |
$50,000 |
| Repatriation of Mortal Remains | $5,000 |
$25,000 |
$25,000 |
| Ground Ambulance | 100% |
Outside US 100% |
Usual, Reasonable and Customary |
| Hospital Room and Board | 100% |
Outside US 100% |
In US & Canada Average Semi-Private room rate |
| Intensive Care | 100% |
Outside US 100% |
Usual, Reasonable and Customary |
| Diagnostic Services | 100% |
Outside US 100% |
Usual, Reasonable and Customary |
| Inpatient Prescribed Drugs | 100% |
Outside US 100% |
Usual, Reasonable and Customary |
| Prescribed Drugs | 100% |
Outside US 50% of actual charges up to $500 |
Usual, Reasonable and Customary |
| Cancer Treatment (chemotherapy/radiation) | 100% |
Outside US 100% |
Usual, Reasonable and Customary |
| Durable Medical Equipment | 100% |
Outside US 100% |
Usual, Reasonable and Customary |
| Maternity | $5,000 Per Pregnancy after 10 month waiting period. No deductible applies (Plans 1, 2 and 3 only) |
After 12 months of continuous coverage, Global Citizen members may apply for a new plan that covers maternity costs in the same way as all other medical conditions. To be eligible for the maternity benefit, members must not be pregnant at the time of upgrade. |
50% of the next $100,000 of Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000 after 12 month waiting period |
| Complications of Maternity | $500,000 Lifetime (with purchase of additional rider only) |
Outside US 100% |
50% of the next $100,000 of Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000 after 12 month waiting period |
| Physicians and Specialists Visits | 100% |
Outside US 100% |
$70 Per visit |
| Physical Therapy/Rehabilitation | 100% |
$30/Visits, 12 Visits per year |
$50 Per visit |
| Transplant Procedures | $1,000,000 Lifetime Maximum and $20,000 for living donor |
Not Covered |
Same as any other illness. Covered Transplants include: Heart/Lung, Lung, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow |
| Dialysis | 100% |
Outside US 100% |
Usual, Reasonable and Customary |
| Free Coverage for Eligible Dependents upon Death of Policyholder | 2 Years |
Not Covered |
Not Covered |
| Brochure | Download Brochure (PDF) | n/a | n/a |
| Online Quote & Application | Quote / Apply (Premier Plus) |
Quote / Apply (Global Citizen) |
Quote / Apply (Citizen Secure) |
Key:
| Benefit is included in policy. |
| Benefit is not included in policy. |