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ITG Worldwide Home > International Health > Plan Comparison

International Health Plans

Plan Comparison

Product | Coverage Area | Optional Benefits | Special Features | Assistance Services & Tools | Preexisting Conditions & Precertification | Routine Care | General Benefits | Provider Networks | Company Profiles | Notes

           
Insurance Carrier HTH Worldwide International Medical Group HCC Medical Insurance Services Seven Corners Petersen International Underwriters
Product Global Citizen Global Medical Insurance - Platinum CitizenSecure Reside Prime The Worldwide Major Medical Plan
Lifetime Maximum Benefit $5,000,000 $8,000,000 $5,000,000 $5,000,000 $5,000,000
Deductible Choices $0 - $25,000 $100 - $10,000 $250 - $5,000 $250 - $5,000 $500 - $5,000
Reduced Deductible Yes, for service outside the U.S. Yes, for service outside the U.S. N/A N/A N.A
           
Coverage Area
Outside U.S. Global Global Global Global Global
United States Coverage Included without time limit. Up to 6 months per policy year. Up to 6 months per policy year. Up to 6 months per policy year. Up to 7 months per policy year.
           
Optional Benefits
Prescription Drug Coverage Optional Included Included Included Included
Dental Insurance Optional Optional Optional N/A N/A
Hazardous Sports Rider N/A No, but SCUBA is covered Optional Optional Optional
Act of War N/A N/A N/A N/A Optional
Term Life / AD&D Insurance N/A Optional Optional N/A Optional
Daily Indemnity N/A Optional N/A N/A N/A
           
Special Features
HIPAA Compliant Yes No No No No
Health Saving Account Option Yes N/A N/A N/A No
AD&D $50,000 Optional Optional $10,000 Optional
Terrorism Coverage Yes No No No Yes 
Benefit Reduction No Yes, after age 75 Yes, after age 75 Yes, after 36 months. No
Annually Renewable Yes -  subject to eligibility requirements. Yes -  subject to eligibility requirements. Yes -  subject to eligibility requirements. Yes -  subject to eligibility requirements. Yes -  subject to eligibility requirements.
           
Assistance Services & Tools
24- Hour Emergency Assistance Yes Yes Yes Yes No
 Emergency Medical Evacuation Yes Yes Yes Yes Optional
Repatriation of Remains $25,000 $50,000 $25,000 $25,000 No
 City/Country Profiles Yes No No No No
Security Updates Yes Yes Yes No No
Legal Referrals No Yes Yes No No
Emergency Reunion No Yes Yes Yes No
Emergency Travel Arrangements No Yes Yes No No
Dedicated Claims Team No Yes No No No
Drug Translation Services Yes Yes No No No
           
Preexisting Conditions & Precertification
Preexisting Conditions Benefit Level Full Coverage after waiting period. Full Coverage $50,000 lifetime max after waiting period $50,000 lifetime max after waiting period Up to full coverage
Pre-Certification Penalty No Yes Yes Yes No
Waiting Periods for Preexisting Conditions Yes, 6 months but waived with a Certificate of Credible Coverage No, for fully disclosed and accepted preexisting conditions No, for fully disclosed and accepted preexisting conditions Yes, 24 months for Preexisting conditions No, if condition is approved
           
Routine Care
Co-pay for Office Visit $10 outside U.S. $30 inside U.S. No, subject to deductible No, subject to deductible No, subject to deductible No, subject to deductible
Adult Wellness Included - not subject to a limit $500 - after 12 months of continuous coverage $250 - after 12 months of continuous coverage $175 - after 12 months of continuous coverage N/A
Child Wellness Included - not subject to a limit $400 - after 12 months of continuous coverage $50 per visit ($150 max) - after 12 months of continuous coverage $200 - after 12 months of continuous coverage N/A
           
General Benefits
Medical Expenses Covered Covered Covered Covered Covered
Outpatient Medical Expenses Covered Covered Covered Covered Covered
Hospitalization Covered Covered Covered Covered Covered
Emergency Care Covered Covered Covered Covered Covered
Transplants Covered $2,000,000 lifetime maximum Covered $1,000,000 Lifetime Covered
Maternity Optional Maternity rider available after 12 months.  Subject to underwriting Covered - after 12 months, subject to maternity deductible & limited benefit amount. Covered - after 12 months and subject to limited benefit amount Covered - after 12 months and subject to limited benefit amount. Covered - after 15 months and subject to a limited benefit amount
Newborn Coverage Covered if HTH is notified within 31 days & delivery was covered. Newborn is subject to underwriting & birth must be covered. Newborn is subject to underwriting & birth must be covered. Newborn is subject to underwriting & birth must be covered. Newborn is subject to underwriting & birth must be covered.
           
Provider Networks
U.S. PPO Aetna First Health Hygeia Hygeia N/A
Int'l PPO Elite Provider Community International Provider Access N/A International Network N/A
           
Company Profiles HTH Worldwide International Medical Group HCC Medical Insurance Services Seven Corners Petersen International Underwriters
Ratings A-  A.M. Best    A+  Standard & Poor's A  A.M. Best    A-  Standard & Poor's A  A.M. Best     A  Standard & Poor's A  A.M. Best    A+  Standard & Poor's A  A.M. Best    A+  Standard & Poor's
Location Radnor, PA Indianapolis, IN Indianapolis, IN Carmel, IN Valencia, CA
Insurance Carrier HM Insurance Group SIRIUS International Lloyd's of London Certain Underwriters at Lloyd's of London Lloyd's of London

Notes

The notes below apply to all plans listed in this comparison.

  • Do not purchase coverage without first reviewing the brochure for specific plan details.  ITG Worldwide would be happy to supply you with a brochure and sample policy.
  • Underwriters reserve the right to change benefits, the plan and premiums by class of insureds.
  • Comparison is a summary of benefits.  Consult the brochure or policy for full details about individual benefits.
  • Renewal of coverage requires that you need certain conditions such as residing outside the U.S.
  • All plans have certain exclusions
  • Renewal premiums may be higher than first year premiums
  • Age limits apply to some plans and individual benefits
  • Transplant benefit do not include coverage for donation or the donor
  • Age limits apply to adult wellness benefit
  • Coverage automatically terminates for some plans when the member attains a specific age.
  • Certain benefits may change when the member attains a specific age.

 

 

 

 

 
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