International Health Insurance

Premier Plus « Health Insurance

» Summary «

Premier Plus is an international annual renewable major medical plan, with guaranteed lifetime renewal. Premier Plus is insured by Best Doctors insurance limited who is partnered with top reinsurers rated A.M. Best, including Munich Re.

Best Doctors was founded with one goal to help people like you afford the best medical care and to be sure they receive the right diagnosis and treatment every time. To achieve this goal, Best Doctors has developed an exceptional medical insurance plan, Premier Plus. Best Doctors has created this plan which is easy to understand, easy to use and, most importantly, designed to give you benefits that make a real difference. Best Doctors works with the world's leading medical experts and institutions who continually do more to offer certainty and confidence to the 15 million people in 30 countries who rely on Best Doctors for the very best medical care.

Best Doctors has been featured on CBS 60 Minutes, The Wall Street Journal, USA Today, New York Times, Readers' Digest, Fox Business News, Money Marketing Magazine, The Insurance Journal, Business Week, Financial Times, Benefits and Compensation Solutions and Healthcare World Magazine.

Below please find a brief summary, which outlines the coverage provided:

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BUPA Plans « Health Insurance

» Summary «

The BUPA Care line of products offers a selection of different insurance plans to meet your needs, with each plan specifically crafted to meet various needs & circumstances. We currently offer the following BUPA Care plans:

• BUPA Diamond Care
• BUPA Complete Care
• BUPA Advantage Care
• BUPA Secure Care
• BUPA Essential Care
• BUPA Critical Care

Some BUPA Care plans may not be acceptable for your circumstances while others specifically meet your needs...

» Find out what BUPA plan is right for you!

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Global Citizen « Health Insurance

» Summary «

Are you a U.S. expat? Are you looking for an international health plan that is very similar to your U.S. domestic insurance? If so, then this is the product for you!

The Global Citizen Plan is a “best of class” annually renewable global major medical plan. Administered by HTH Worldwide, Global Citizen is underwritten in the U.S. by UNICARE Life and Health or HM Life Insurance Company. UNICARE is an operating affiliate of Wellpoint: the largest health insurance company in the U.S. with over 34 million health plan members. Global Citizen fully protects members’ rights because it complies with standards maintained by state insurance departments’. UNICARE is currently rated A- (Excellent) by AM Best, and A+ (stable) by Standard and Poor’s. HM Life is part of the HM Insurance Group and is also A- rated (Excellent) by A.M Best

Below please find a brief summary, which outlines the coverage provided:

• $5,000,000 Lifetime Policy Maximum
• Choice of Deductibles from $0; $500; $1,000; $2,000; $5,000; $10,000; $25,000
• Deductible waived for physician office visits
• Worldwide Coverage, with no limit on time spent in or out of the U.S.
• Freedom to choose any doctor or hospital, worldwide
• Exclusive access to HTH's elite and profiled community of doctors and hospitals- direct payments can be made to providers in 180 countries
• Monthly, Annual, Semi Annual & Quarterly Payments available
• Hospitalization & Surgery with no pre-certification requirement
• Outpatient Treatment
• Prescription Drugs
• Mental Health and Substance Abuse
• Maternity Benefits & guaranteed newborn cover up to the policy maximum
• Emergency Medical Evacuation, AD&D, & Repatriation of Remains
• Organ Transplants up to $5,000,000
• Covers illnesses or injuries that are a result of a terrorist act or hazardous activities
• Acupuncture, Chiropractic, Preventative services with no waiting period
• Pre-existing conditions can be covered subject to showing proof of prior qualified health insurance (Administered using HIPAA guidelines)
• Renewal rates are not based on your individual claims activity
• Renewable until age 84

This product is only available to U.S. citizens and residents moving abroad.

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Citizen Secure « Health Insurance

» Summary «

Citizen Secure is an international annually renewable major medical plan. The Citizen Secure plan is insured by Lloyd's of London, the largest and oldest insurance carrier in the world, with 315 years of experience insuring both individuals and companies. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world. Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is currently rated 'A' by A.M. Best Company and 'A' by Standard and Poor’s.

Below please find a brief summary, which outlines the coverage provided:

• Choice of Deductibles from $250; $500; $1,000; $2,500; $5,000
• Worldwide Coverage
• Choice of Doctors & Hospitals
• $5,000,000 Lifetime Policy Maximum
• Annual, Semi Annual, Quarterly & Monthly Payments available
• Hospitalization
• Surgery
• Outpatient Treatment
• Prescription Drugs
• Mental Health
• Maternity (after policy has been in effect for 12 months)
• Emergency Medical Evacuation
• Repatriation of Remains
• Local Ground Ambulance
• Organ Transplant

Limits and Exclusions apply to all benefits. See the Certificate of Insurance for a complete listing.

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