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HCC Medical Insurance Services CitizenSecuresm International Long-Term Medical Insurance

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Comprehensive. Flexible. Reassuring.

Annually renewable major medical insurance for citizens of all countries of the world working or living abroad. Coverage is available for US citizens overseas and non-US citizens anywhere, including the US. 

HCC Medical Insurance Services® has designed 2 plans to meet your needs: CitizenSecure and CitizenSecure Economy. CitizenSecure offers comprehensive medical coverage worldwide. CitizenSecure Economy Economy offers specific benefit amounts for specific services and is ideal if you are residing abroad and on a tighter budget. Click here for more details about CitizenSecure Economy

What are the Benefits of CitizenSecure?

CitizenSecure is one of the most comprehensive medical insurance products available with features such as:

  • A $5,000,000 lifetime limit

  • Worldwide medical coverage

  • Maternity benefits

  • Mental health benefits

  • Wellness benefits

  • Emergency medical evacuation benefits

This plan offers two coverage areas: including the US and Canada and excluding the US and Canada. If you desire worldwide coverage, select the "Including the US and Canada" option. If you do not need or desire coverage in the US or Canada, you may obtain lower premiums by selecting the "Excluding the US and Canada" option.

Optional benefits include: Dental rider; Term Life and Accidental Death and Dismemberment.

Am I Eligible?
The CitizenSecure plan is available to citizens of all countries of the world who are at least age 14 days and not older than age 74. If you are a US citizen, you must reside outside the US or be departing the US within 30 days of the effective date. If you are a US citizen, you must also reside outside the US for at least 6 months within each Certificate Period. Citizens of other countries may reside anywhere, including their country of citizenship. Optional Term Life Insurance is not available to residents of the US, regardless of your citizenship.
Is the plan renewable?
Yes. CitizenSecure products are annually renewable. There are no medical 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. If you purchase coverage before you reach the age of 65, and maintain coverage continuously for 10 years, subject to continued eligibility, you will automatically be eligible to apply for the CitizenSecure Senior Plan with no medical questions.
What are the Benefits of the Policy?
A Schedule of Benefits and Limits, Pre-existing Condition information, and more are included in the CitizenSecure Series brochure. This document also contains rate tables and an application you can fill out and return to All Aboard Benefits. Click the link below to download and view/print the brochure. 

Note: To view the brochure you need to have Adobe Reader 5.0 or higher installed on your machine. This is a large file that may take a minute or more to download depending on the speed of your Internet connection.

How do I Apply?
Click the Apply On-Line button at the top of the page to fill out an on-line application. If you prefer not to apply online, choose Brochure or Application to download the brochure or fill out the application in that document. Or, call us toll free at 1-800-462-2322 to request an application from a travel health insurance agent.

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