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Immigrant Secure Insurance Benefits
Individuals from around the globe live and work in the US. While traditional domestic plans are available to permanent residents, family, friends and others who visit these individuals often need insurance protection while they are in the US. ImmigrantSecureSM is designed to protect these international visitors. The plan also provides an additional, economical option for US citizens traveling abroad. ImmigrantSecureSM provides quality insurance at a price that does not break the bank. It provides both inpatient and outpatient hospital benefits and many other valuable emergency travel features, giving you protection you can rely on.
Whether you are looking for coverage for one individual or a group of family members, ImmigrantSecureSM has the features you need. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Common Carrier AD&D. In addition, the plan offers a choice of deductibles and coverage options assuring that the plan will meet almost any budget.
Eligibility
To be eligible for ImmigrantSecureSM, you must be traveling outside of your Home Country and be at least 14 days of age. US citizens must be traveling outside of the US in order to be eligible. For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.
Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select any plan. If an individual reaches age 70 while covered under the plan, the Deductible changes to $200 as of the date of the 70th birthday. Overall Policy Maximums reduce on the dates of the 70th and 80th birthdays if those dates occur while an individual is covered under the plan.
Immigrant Secure Insurance - Covered Expenses
Medical
Subject to the coverage outlined in the Schedule of Benefits and Limits, ImmigrantSecureSM will provide benefits for the
following:
- Inpatient and Outpatient charges made by a Hospital
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
- Charges for oxygen and other gases and anesthetics and their administration
- Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs
- Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital
- Emergency local ambulance transport incurred in connection with Injury or Illness resulting in Inpatient hospitalization
Emergency Medical Evacuation
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS, the plan will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.
Repatriation of Remains
In the event of a covered Injury or Illness resulting in your death, ImmigrantSecureSM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
Common Carrier Accidental Death & Dismemberment
In the event of your Accidental Death or Dismemberment while traveling on board a commercial common carrier (airplane or cruiseline), ImmigrantSecureSM will provide the following benefit, subject to a maximum of $125,000 per family:
- Accidental Death – $25,000 to the Beneficiary designated on your Application
- Loss of 2 eyes or 2 or more limbs – $25,000 to you
- Loss of 1 eye or 1 limb – $12,500 to you
Immigrant Secure Insurance - Exclusions
Pre-existing Condition
This plan does not provide any coverage for Pre-existing Conditions. A Pre-existing Condition is a condition that meets
any of these descriptions:
- That would have caused a person to seek medical advice, diagnosis, care or Treatment within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date.
- For which medical advice, diagnosis, care or Treatment, including medication, was sought, recommended or received within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date.
- The symptoms which occurred within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date would have allowed a person trained in medicine to make a diagnosis of the condition producing the symptoms.
- Which manifested within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date.
Other Exclusions
- Charges related to Pregnancy, childbirth, care of newborns, congenital conditions, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof
- Charges that are not incurred during the Certificate Period or which exceed Usual, Reasonable and Customary
- Services that are not Medically Necessary, not administered or ordered by a Physician, or are provided at no cost to you or by your Relative or a person who resides with you
- Venereal disease, and treatment of individuals who are HIV+ or who have AIDS or ARC
- Services related to vision correction, hearing correction, or hair loss
- All cosmetic surgeries, unless reconstructive surgery is directly relating to a covered Illness or Injury
- Speech, acupuncture or sleep therapy and treatment by a chiropractor
- Self-inflicted Injury or Illness
- Dental Treatment, except for Emergency Treatment following a covered Accident
- Charges for travel or accommodations, except as specifically provided by the plan
- Organ and tissue transplants
- Treatment of the temporomandibular joint
- Charges resulting from or occurring during the commission of a violation of law by the Member
- Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs
- Home nursing care and charges Incurred while confined primarily to receive Custodial, Educational or Rehabilitative Care
- Surgeries, treatments, services or supplies which are Investigational, Experimental or for Research Purposes
- Immunizations and Routine Physical Exams
- Foot care, unless related to a covered accidental Injury
- Diseases of the skin
- Injury sustained while taking part in contact sports, non-recreational athletics, and thrill-seeking activities
This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact MultiNational Underwriters®.
Assistance Services
All Travel Assistance Services are available to you 24 hours a day, 7 days a week while your ImmigrantSecureSM plan is in effect:
- Pre-Trip Health and Safety Advisories - contact us for current passport, visa, inoculation and vaccine requirements as well as for up-to-date travel safety advisories.
- Livetravel Services - we will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.
- BagTrak - we are the industry leaders in tracking lost, checked baggage. We will help track your lost, checked baggage and deliver it to you anywhere in the world.
- Emergency Message Relay - we will relay messages to your family, friends and co-workers, helping you to maintain
contact during an emergency.
- Emergency Cash Transfers - we will assist you in arranging and obtaining cash transfers anywhere in the world.
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