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ImmigrantSecure ^SM Insurance

ImmigrantSecure ^SM is an innovative new product designed to protect international visitors to the United States. The program is available to non-US citizens who come to the US to visit, study or immigrate. It is also an ideal choice for individuals visiting relatives and family members who live in the US. ImmigrantSecure SM is your cost effective option for providing protection to loved ones visiting from abroad.

Policy Maximum	ImmigrantSecure ^SM Insurance provides a choice of Policy Maximum of US$50,000, $75,000, $100,000 and $130,000 for Age 14 days to Age 69 ; for ages 70 to Age 79 the maximum is US$50,000; and for ages 80 and above the maximum is $10,000
Deductible	$0, $50 or $100 per injury/sickness per person; For ages 70 and above $200 per Injury or Illness
Co-insurance	Outside the U.S. and Canada: ImmigrantSecure SM Insurance is not available for coverage outside the US. In USA: For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the covered amount for each type of medical expense.
Coverage Options	You can choose from Plan A, B, C, D with the ImmigrantSecure ^SM. 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.
Plan Life	Total period of coverage for ImmigrantSecure^SM cannot exceed 2 years. You can reapply by completing a new application.
Underwriter	ImmigrantSecure ^SM Insurance is underwritten by Lloyds .
Claims Administrator	ImmigrantSecure ^SM Insurance is administered by Multinational Underwriters, Inc.

Eligibility:

To be eligible for ImmigrantSecure ^SM, 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.

Coverage begins on the latest of the following:

The moment Underwriters receive Application and correct premium if Application and payment is made online or by facsimile or
12:01am* on the date Underwriters receive Application and correct premium if Application and payment is made by mail.
The moment the Member departs from his or her Home Country 12:01am* on the date requested on the Application.

Your coverage will end on the earlier of the following:

12:01am* on the last day of the period for which premium has been paid or
12:01am* on the date requested on the Application
The moment of the Member's arrival upon return to his or her Home Country

*Times expressed above are based on US Eastern Time

Plan Benefits:

ImmigrantSecure ^SM Insurance offers a broad range of benefits including:

Hospital Room & Board (including intensive care, supplies, diagnostics etc.)
Out patient services (doctor office visits, X-Rays etc.)
Emergency Medical Evacuation Expenses
Repatriation of Mortal Remains Expenses
Common Carrier Accidental Death and Dismemberment (AD&D)

Remarks:

PPO Network: The plan does not use any PPO network. One can go to any hospital or doctor of choice. Providers (hospitals and doctors) can bill the insurance company directly but it is voluntary because no PPO network arrangements exist.
Renewal: There is a $5 admin fee each time you renew. After your initial purchase, you may extend your coverage up to a maximum of 12 months from the initial effective date. You may renew your coverage for an additional year as long as you continue to meet the eligibility requirements. After 2 years of continuous coverage or any break in coverage, a new plan must be purchased. Extensions and renewals can be made online with payment by credit card at Client Zone.
Cancellation:Full refund of premium is possible if written request is received by MNUI prior to the Effective Date of Coverage. Cancellations after the Effective Date of Coverage are possible only if there are no claims; unearned premium is refunded less a $25 cancellation fee.