PRODUCT SUMMARY

PRODUCT DESCRIPTIONS

What Is ICS?

The International Citizen Series (ICS) is MNU’s comprehensive major medical policy for individuals and their families traveling and residing worldwide. It provides coverage for Inpatient Hospitalization care as well as Outpatient Clinical care. [Note: A major medical policy is an insurance policy that has cost sharing from Policyholder in the form of Deductible and Coinsurance.]

Who Is Eligible?

The International Citizen Series is available to Citizens of all countries of the world who is at least 14 days old but not older than age 74 at the point of application.

What Are Other Eligibility Requirements?

Beside age eligibility, there are residency requirements to be met as summarized in the following table:

[1] Individuals with dual citizenship, where one of the citizenships is US, are treated as US citizens.

[2] Includes US territories.

[3] At least 6 months of the Certificate period but need not to be consecutive.

[4] Must not be eligible for domestic US insurance.

Are Pre-Existing Conditions Covered?

Yes, if you are insured under the Platinum plan, and your pre-existing conditions have been fully disclosed on your Application and not excluded or restricted by a rider or any other provision of your Certificate, your pre-existing conditions are covered the same as any other Illness or Injury as of your effective date.

Yes , if you are insured under the Premier plan, your pre-existing conditions are covered up to a lifetime limit of $25,000 after you have been insured continuously for 24 months.

Pre-existing conditions include any Injury, Illness or Mental Health disorder that existed at or prior to your initial effective date, including chronic or recurring conditions.

Is Coverage Under The International Citizen Series Renewable?

Yes. The International Citizen Series products are annually renewable. There are nomedical questions at renewal. Renewal is only subject to your continued eligibility and timely payment of premiums. Your renewal premium will be the same as all persons of the same Certificate origination year, age and gender.

What Is The Maximum Insurable Age?

Eligibility for the standard International Citizen plans ends at age 75, but for those members who joined before age 65 and have maintained coverage for at least 10 years, the International Citizen Senior Plan is available with no medical questions. The International Citizen Senior Plan is lifetime annually renewable as long as the other eligibility requirements continue to be met.

Please see the section on International Citizen Senior Plan for more benefit details.

Which Plan Is Right For Me?

There are two plans available under ICS namely: the International Citizen Series Platinum and the International Citizen Series Premier.

If you desire worldwide coverage, including coverage in the US and Canada, the Platinum plan is right for you.

This plan is one of the most comprehensive medical insurance products available, featuring a $5,000,000 lifetime limit, worldwide medical coverage, Maternity benefits, Mental Health benefits, Wellness benefits and Emergency Medical Evacuation benefits.

If you desire worldwide coverage, excluding the US and Canada, the Premier plan will meet your needs.

 BENEFITS SCHEDULE

[1] Covered transplants include Heart/Lung, Lung, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow.

What Are The Pre-Notification Requirements?

All plans in The International Citizen Series contain pre-notification provisions. Pre-notification simply means that you must contact MultiNational Underwriters® as soon as possible before a planned hospitalization or surgical procedure, or within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy.

Pre-notification allows us to establish contact and make payment arrangements with your providers, negotiate discounts which will benefit both you and us, pre-arrange future care, and plan for your claim. Pre-notification helps us help you.

International Citizen Assistance Services

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

A) Pre-Trip Health And Safety Advisories

Call MNU for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.

B) Livetravel Services

MNU will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

C) Bagtrak

MNU are the industry leaders in tracking lost checked baggage. MNU will help you locate your lost checked baggage and deliver it to you anywhere in the world.

D) Emergency Message Relay

MNU will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

E) Emergency Cash Transfers

MNU will assist you in arranging and obtaining cash transfers anywhere in the world.

F) International Citizen Assistance Services Also Include:

• 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

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

Emergency Medical Evacuation

If you are insured under the Platinum Plan, you are covered for Emergency Medical Evacuation to the nearest medical facility qualified to treat your life-threatening condition or potential loss of limb.

All Emergency Medical Evacuations must be approved in advance and coordinated by MultiNational Underwriters®. Emergency Medical Evacuations provide you with access to care when you need it most.

MultiNational Underwriters® is available 24 hours a day, 7 days a week to approve and coordinate Emergency Medical Evacuations as well as other valuable assistance services needed during an Emergency.

Emergency Reunion

In the event of a covered Emergency Medical Evacuation, the Platinum Plan will provide the following benefits: the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Medical Evacuation, and reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days.

Repatriation Of Remains

In the event of a covered Injury or Illness resulting in your death, the Platinum Plan will provide the following benefit: air or ground transportation of bodily remains or ashes to the area of your Principal Residence and reasonable cost of preparation of your remains necessary for transportation.

What Are The Exclusions And Limitations?

The following charges, treatments, care, services, supplies and/or conditions are excluded from coverage:

• Charges not incurred during the Certificate period
• Services or treatment payable by another insurance or government
• Substance abuse
• Charges which exceed Usual, Reasonable and Customary
• Investigational or experimental surgeries or treatment
• Custodial, educational or rehabilitative care
• Weight modification
• Cosmetic surgery, unless reconstructive surgery is directly related to a covered Injury or Illness
• Charges for use of Emergency Room for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness
• Individuals HIV+ at effective date
• Drugs or treatment for sexual dysfunction
• Drugs or treatment to promote or prevent conception
• Devices or procedures to correct sight or hearing
• Self-inflicted Injury or Illness
• Foot care, unless related to a covered accidental Injury
• Treatment or supplies not ordered by a physician or not medically necessary
• Organ transplants, except for covered transplants
• Speech, acupuncture, occupational or sleep therapy
• Acts of terrorism, war, insurrection, riot or any variation thereof
• Dental treatment, except emergency treatment following a covered accident, or unless Dental Rider is purchased
• Orthodontia (Dental Rider Exclusion)
• Sealants, Bleaching and oral hygiene expenses (Dental Rider Exclusion)

This is a summary of the exclusions contained in the Certificate of Insurance. See the Certificate of Insurance for a complete list of exclusions.

Special Illness Exclusions

The following conditions which manifest themselves within the first 180 days of coverage are excluded: Any condition of the breast, prostate, the reproductive system, tonsils, adenoids, hemorrhoids, hernia, gallstones, kidney stones, glaucoma, cataracts, disk disease, all types of cysts, and any disorder or disease of the skin.

What Is International Citizen Senior Plan?

The International Citizen Senior Plan offers many of the same great benefits and limits as the standard International Citizen plan. The Senior Plan deductibles available are $5,000, $7,500, and $10,000.

On the Senior Platinum plan, the Overall Maximum Limit is reduced to $1 million. Additionally, the Human Organ Transplant and Emergency Medical Evacuation benefits are deleted.

On the Senior Premier plan, the Overall Maximum Limit is reduced to $250,000 and the Human Organ Transplant benefit is deleted.

What Are The Optional Riders Available To ICS?

A. Optional Dental Rider
The International Citizen Optional Dental Rider is a must for families as well as individuals. Coverage is provided worldwide at your choice of dentists.

If you purchase the Dental Rider, children age 9 to 16 are covered for Preventative Dental care, including routine oral exams every 6 months, fluoride treatment every 12 months and bitewing x-rays every 24 months.

All family members are covered for Basic and Major Dental procedures. Basic Dental procedures include Periodontics, Endodontics, fillings and extractions. Major Dental procedures include restorations, crowns, bridges and dentures.

All benefits are subject to Deductible, Coinsurance, and Certificate Period maximums.

B. 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.

C. Optional Term Life And AD&D Insurance

If you reside outside the US, you may purchase the Optional Term Life and Accidental Death and Dismemberment insurance to protect your family and provide cash benefits in the event of your death.

The amount of Basic coverage ranges from $5,000 to $50,000, depending on your age at the time of your death or dismemberment. If you are at least 19 but not yet 65 you may purchase Supplemental coverage which doubles the benefits available to you.

Optional Term Life and AD&D Insurance are not available to Residents of the US, regardless of your Citizenship.

Term Life Insurance

Accident Death and Dismemberment

"Member" means hand, foot or eye. The Benefit is based on your age at time of Death or Dismemberment.

How Do I File A Claim?

Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains Claimant's Statement and Authorization forms.

Just complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to MultiNational Underwriters®. Be sure to complete your Claimant's Statement entirely, 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 copies of your paid receipts. You will be reimbursed for eligible medical or dental expenses. In many cases, MultiNational Underwriters® will make payment directly to the hospital or physician that treated you.

Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.

Where Can I Get Help?

Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, MNU is always ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to:

• Change personal information
• Renew coverage and reprint ID cards
• Obtain details about claim filing, including downloading necessary forms
• Pre-Notify for certain medical procedures and hospitalizations
• Locate providers within the PPO Network
• Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
• Access health and wellness information
• View and download brochures, obtain policy information, or get quotes for other products offered by MultiNational Underwriters®

You may access Client Zone by logging in at https://zone.mnui.com/clientzone/

At times, there is simply no substitute for human intervention. MNU Client Relations team is available 24 hours a day, 7 days a week to answer your questions and may be reached at no cost through our worldwide toll-free numbers.

Here is how you can reach MNU Client Relations from anywhere in the world, 24 hours a day, 7 days a week :

• Within US, please call 800-605-2282;
• Outside US, depending on the country you are in, please dial the respective country’s toll-free number. Click here to download MNU worldwide toll-free numbers; or
• Call MNU collect from anywhere in the world at 1-317-262-2132

Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, the MNU Client Relations Specialist will arrange one.

What Are The Steps Involved In MNU Online Application?

Step 1: Choose your desired coverage

Step 2: Input a few basic information

Step 3: Get Quote

Step 4: Fill out online application form and payment method

Step 5: Confirm Order and Proceed to checkout

How Secure Is MNU Online Purchase?

All information submitted through our "Instant Online Quoting and Application System" is transmitted and received through a high security sequel socket layer server with 128 bit encryption, thus offering one of the toughest security protocols available for data security.

When you buy insurance through MNU, you maintain control of your purchase decisions at all times. MNU is dedicated to making your insurance purchase as fast, easy, private and secure as possible.

MNU Privacy Policy

MultiNational Underwriters® is vigorously dedicated to the protection of your privacy. As a result, we offer one of the strictest policies in the industry. That is: we will never give, sell, rent, lease or otherwise transfer your name or information specific to you, to any person or entity other than our insurer, Lloyd’s, London, and outside investigative agencies which are used in the normal course of insurance underwriting.

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 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.

f your Application is not accepted, MultiNational Underwriters® will promptly refund your premium.