Please read brochures for detailed information relating to the above information. Specific benefits may have maximum amounts of coverage, subject to waiting periods or required pre-certification. If you have any questions pleasecontact InsuranceToGo® - Worldwide Insurance Agency. We would be happy to assist you in choosing the right plan for you.
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Provides immediate coverage for accidental injuries not subject to deductible or coinsurance
Pre-natal, post-natal care and delivery
The premiums quoted are based on the basic information provided. Health history, actual age and other factors may effect actual premium.
Medical insurance for a newborn
A medical condition that existed prior to the approval of the application whether condition was known or not know by the applicant
See brochure for more detaills
Following a separate Maternity Deductible of $1,000, the plan will pay 100% of Eligible Expenses up to a $50,000 lifetime maximum
In USA up to 6 months per policy year or up to the renewal date, whichever is first.
The Deductible will be reduced by 50% for Eligible Medical Expenses incurred within the Preferred Provider Network.
The first $500 will be covered for each accidental injury. Not subject to deductible or coinsurance
HTH’s Global Citizen plan is HIPAA compliant. That means its 6 month waiting periodfor pre-existing conditions is waived if you have a certificate of credible coverage. Also, HTH will issue a certificate of credible coverage if you have been on the Global Citizen.
No penalty with the exception of transplants.
Deductible reduced in half for service outside the United States.
If you have questions about what a Certificate of Credible Coverage isplease contact our office for a detailed explanation. This is especially important to US citizens that will be returning to the US.
- Pre-Trip Health and Safety Advisories
- LiveTravel services
- BagTrak
- Emergency message relay
- Emergency cash transfers
- Embassy and Consulate referrals
- Bail bond assistance
- Translation and interpretation assistance
Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered the same and any illness. Conditions including any complication therefrom, that are not fully disclosed on the application will not be covered.
Pre-certification required with first 90 days of pregnancy.
URC Charges up to the limits below per Pregnancy, must be Pre-Notified within the first 90 days of Pregnancy. Waiting period of 12-months before maternity benefit begins.
After 12 months of continuous policy term: $1,000
After 24 months of continuous policy term: $2,000
After 36 months of continuous policy term: $3,000
After 48 months of continuous policy term: $4,000
After 60 months of continuous policy term: $5,000
Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered the same and any illness. Conditions including any complication therefrom, that are not fully disclosed on the application will not be covered.
Maximum of $5,000 per policy period.
The following benefits are changed on the 1st day of the 37th month of coverage; Lifetime Maximum Benefit, coverage inside and outside the US and Canada, inpatient hospital expenses, intensive care, surgery, hospital daily indemnity benefit, outpatient treatment, physiotherapy, chiropractic, medical supplies, ambulance, well child care, maternity, mental & nervous, newborn benefit, dental, emergency medical evacuation, repatriation of remains, emergency medical reunion, preventive benefits, AD&D, lifetime transplant benefit, chemotherapy or radiation therapy, prescription medications. Please consult brochure for complete details.
Not subject to deductible or coinsurance.
Females age 18 and older: - Routine physicals, Mammogram, ob/gyn visit, etc.
Males age 18 and older: - Routine physicals.
Exams must be separated by 12 months.
After deductible, Underwriters will pay 50% of next $100,000 Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000. Covered Maternity expenses include pre-natal, Delivery, and post-natal care (after 12 months of coverage).
If 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 they will be covered the same as any other illness as of your effective date.
Outside US - $10 Co-pay and no co-insurance
In the US (In Network) - $30 + 20% in co-insurance.
The Global Citizen plan does not cover services for treatment of a medical condition for which medical advice,diagnosis, care, or treatment was recommended or received during the 180 days immediately preceding the member's eligibility date.
HOWEVER, the six-month pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.)
Restrictions do apply to the act of war. If traveling to Iraq, Afghanistan or other active war zone pleasecontact us.
Available with $1,100 deductible.Contact us for details .
If delivery was covered than newborn is covered for the first 31 days. Contact HTH in first 31 days to have child added to policy without underwriting.
-Elite International Provider Community: 3,500 English speaking physicians in over 170 countries. Less than 2% of physician are accepted into this Elite provider network so you can be assured you’re receiving the best care. -Personal Safety Intelligence: Includes daily health & safety email, security profiles of 240 destinations, prescription and over the counter drug translation, translation of 100”s of medical terms and phrases. - Informed Choice: HTH’s International Physician Advisor can provide second opinion for unanticipated medical problems. - Well Prepared Program: Personal web page for HTH Members. Allows members to access HTH services. - Appointment Scheduling & Direct Pay: Members can request HTH to schedule appointment with the Elite Int’l Provider Community. HTH pays provider directly.
Not subject to deductible or coinsurance.
For checkups and routine visits.
Not subject to age.
Not subject to deductible.
Must be 35 years or older.
Not subject to deductible or coinsurance.Child must be between 14 days old to 18 years old.
