Global Citizen and Global Citizen EXP plans offer comprehensive benefits and a range of deductible options that allow members to select the right amount of insurance coverage for their budget and lifestyle.For detailed benefit schedule and rates, please see inserts. To calculate your total out-of-pocket expense, add the deductible and coinsurance maximum.

For families, the deductible and coinsurance maximum is a multiple of 2.5.

After 12 months of continuous coverage, Global Citizen members may renew their coverage or apply for a new plan that covers maternity costs in the same way as all other medical conditions.

To be eligible for the maternity benefit, a member must not be pregnant at the time of upgrade.

Amounts paid to satisfy a deductible are credited to all other deductibles.

Does not include U.S. benefits.

You can either apply online on this web site or may be initiated on the phone at (866) INSU-BUY. Application must be signed and mailed to:

Insubuy^®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093, USA

A personal check, money order or credit card number must accompany the application and must be sufficient to pay for one month of standard premium. HTH will hold the form of payment until an underwriting decision is made. If your application is accepted, the payment will be applied to your account. Quotes obtained online or by telephone are advisory only. Actual premium is determined by the medical underwriting process.

HTH Worldwide will review your medical history as provided on the application and may request an Attending Physician's Statement. HTH publishes standard premium rates for non-smokers. Smokers and other applicants with certain medical histories may be offered a policy at a higher rate. Not all applicants will be accepted.Your effective date of insurance will be on the 1st or 15th day of the month following underwriting approval.

Member Welcome Kit
When your application is accepted, HTH Worldwide will mail you and any family members covered under the plan a Welcome Kit with identification cards, a certificate of insurance and instructions on how to register online to use the Global Health and Safety Resources. Procedures for filing a claim or requesting direct payment of participating providers will also be included.

Renewals
Global Citizen is annually renewable and coverage is continuous when renewed. You must continue to meet the plan's eligibility requirements. There are no medical questions at renewal and premium rates do not change based on your individual claims history. Your renewal rate will be the same as all persons renewing in your rating class.

After 12 months of continuous coverage, Global Citizen members may apply for a new plan that covers maternity costs in the same way as all other medical conditions. Members must submit a simple Health Statement to supplement their original application.

How Coverage Ends
Your coverage ends on the earlier of:

1. The last day of the month after the date the Insured Person is no longer eligible;
2. The end of the last period for which premium has been paid;
3. The date the Policy terminates;
4. The date the Lifetime Maximum Benefit of the Plan has been exhausted;
5. The date of fraud or misrepresentation of a material fact by the Insured Person, except as indicated in the Time Limit on Certain Defenses provision.

Extension of Benefits
If an Insured Person is Totally Disabled on the date of termination of the Policy, coverage will be extended until the earlier of:

1. The date payment of the maximum benefit occurs;
2. The date the Insured person ceases to be Totally Disabled; or
3. The end of 90 days following the date of termination.

Pre-existing conditions
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 180 days immediately preceding the member's eligibility date.

Creditable coverage
The 180-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.

Conforms to state requirements
If any provision of a Global Citizen plan is in conflict with the statutes of the state in which the member resides, it is amended to conform to the minimum requirements of those statutes.

Global Citizen has three tiers of coinsurance: 100% outside the U.S.; 80% in-network inside the U.S.; 60% out-of-network inside the U.S. All Global Citizen plans have a $5,000,000 lifetime maximum and a $100,000 maximum benefit for emergency medical evacuation.

The Out-of-Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. Please refer to chart on page 3 of Brochure.

Maternity benefits are not covered under this plan. After 12 months of continuous coverage, Global Citizen members may apply for a new plan that covers maternity costs.

Global Citizen EXP covers most services outside the U.S. at 100%. All Global Citizen EXP plans have a $5,000,000 lifetime maximum and a $100,000 maximum benefit for emergency medical evacuation.

Maternity benefits are not covered under this plan. After 12 months of continuous coverage, Global Citizen EXP members may apply for a new plan that covers maternity costs.

1. Who is eligible to buy a Global Citizen plan?

1. All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage or;


2. All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they live in an approved state or;


3. an employee of a U.S. company, whereby the company is domiciled in a approved state and the company pays the insurance premium.

If you live in a state not listed, please call (866) INSU-BUY

Insurance Benefits underwritten by HM Life Insurance Company
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming

Insurance Benefits Underwritten by Unicare Life and Health Insurance Company
Montana, Nevada, North Carolina, Vermont

If you live in any other U.S. state please contact us.


A person may not be an Insured Dependent for more than one Insured Participant.

Eligible Dependents must be residents (either U.S. citizens or foreign nationals) of the U.S.

1. Who is eligible to buy a Global Citizen plan?

1. All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage or;
2. All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they live in an approved state or;
3. An employee or a U.S. company, whereby the company is domiciled in an approved state and the company pays the insurance premium.

If you live in a State not listed, please call (866) INSU-BUY

2. How do I qualify for maternity benefits?

After 12 months of continuous coverage, Global Citizen members may apply for a new plan that covers maternity costs in the same way as all other medical conditions. Members must submit a simple Health Statement to supplement their original application indicating their pregnancy status.

3. Do all eligible family members have to apply for Global Citizen?

Yes. The Global Citizen plan is available to individuals and their dependents. All eligible family members must apply for coverage.


4. Will my policy automatically renew? At what rate?

Global Citizen is renewable up to age 84. Policies are renewed at prevailing rates based on age and residence. Your personal health history will not determine the renewal rate. Existing members must confirm their renewal rates in writing in order to be renewed. They will be notified approximately 30 days prior to renewal.

5. When does my coverage end?

HTH may terminate your policy if:

1. You no longer meet the eligibility requirements
2. You fail to pay your premium
3. You exhaust the Lifetime Maximum Benefit of the plan
4. HTH discovers that you committed fraud or misrepresented a material fact to HTH, except as indicated in the time limit of certain defenses provision
5. HTH terminates the plan in your state or geographic service area

6. Who is the insurer?
Strength in ratings, top industry support
HTH's international health insurance plans are backed by a U.S. Insurer, no matter how much time you spend in or out of the U.S.:
• HM Life Insurance Company of Pittsburgh, PA rated A- (Excellent) by A.M. Best
• UNICARE Life & Health, a WellPoint company rated A- (Excellent) by A.M. Best
7. Does my plan deductible apply to all services?
No. Your deductible is waived for office visits. You simply pay a small copay at time of service with the contracted provider. For non contracted providers, you pay the provider directly and submit a claim for reimbursement.

8. Will my pre-existing condition be covered under a Global Citizen plan?
Global Citizen is administered using HIPAA guidelines. If you were previously covered by an annually renewable U.S. health plan that issues you a Certificate of Creditable Coverage, HTH Worldwide will credit you for this prior coverage. The number of months of coverage shown in the Certificate will reduce or eliminate the six-month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting preiod will be eliminated. If you have less than six monghs creditable converage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from six months to four months.

9. Am I guaranteed to be issued a Global Citixen policy if I apply?
No, Global Citizen is not a guaranteed issue plan. Each application is medically underwritten. Your application may be 1)accepted, 2)accepted with a rate increase due to your health status, or 3)denied.

10. Is the quote I receive binding?
No. The quote you receive may not apply if 1) you provided us with an inaccurate zip code, 2) you misstated a material fact on you r application, or 3) we increase the rate due to your health status.

11. When determining a rate while overseas, what zip code should I use?
Policies for U.S. citizens residing overseas are issued through the Global Citizens Association office in Washington D.C. The zip code that applies is 20036.

12. What is the Global Citizens Association?
GCA is a not-for-profit association serving those who travel the world for business, study and leisure. GCA promotes health and safety around the world through online knowledge tools and email news alerts. GCA members also benefit from the Association's group purchasing programs for travel, insurance, entertainment and telecommunication services. GCA benefits are available through its Rewards Worldwide program, for more information call (866)INSU-BUY.

13. What about accessing participating providers?
HTH's Global Health and Safety services help members identify, access and pay for quality healthcare all over the world, including a contracted community of elite providers in 180 countries. Members can access these carefully selected providers and arrange for direct billing. Please note that in the U.S. a member can simply show his/her ID card at time of service and participating providers will only bill the member for any applicable deductible or copayment. Members have access to a U.S. PPO Network through Aetna. Whether overseas or in the U.S., members can choose to use any doctor or hospital. Members are never restricted to a network. Please see the benefit schedules to see how coinsurance may apply.

14. Where can I read the fine print?
Click on the following link to see plan definitions, limitations and to review a sample certificate.
Sample Certificate

Out of Pocket Expense Example
Member is covered under the Global Citizen 500 plan and receives services from an in-network hospital in the U.S.

Payable medical expenses are $20,000, the $500 deductible must be satisfied, and 20% coinsurance applies.

Member is responsible for $3,500 in out-of-pocket expenses (hits the limit) because the deductible and coinsurance amount to $4,500 ($500 + 20% of $20,000)

The services for which NO benefits are paid under the insurance plan

• Amounts in excess of maximum amounts of Covered Expenses stated in this Plan.
• Services not specifically listed in this Plan as Covered Services.
• Services or supplies that are not Medically Necessary as defined by the Insurer.
• Services or supplies that the Insurer considers to be Experimental or Investigative.
• Services received before the Effective Date of coverage or during an inpatient stay that began before the Effective Date of Coverage.
• Services received after coverage ends unless an extension of benefits applies under the Plan.
• Services for which the Insured Person has no legal obligation to pay or for which no charge would be made if he/she did not have a health policy or insurance coverage.
• Services for any condition for which benefits are recovered or can be recovered, either by adjudication, settlement or otherwise, under any workers' compensation, employer's liability law or occupational disease law, even if the Insured Person does not claim those benefits.
• Conditions caused by or contributed by: (a) An act of war; (b) The inadvertent release of nuclear energy when government funds are available for treatment of Illness or Injury arising from such release of nuclear energy; (c) An Insured Person participating in the military service of any country; (d) An Insured Person participating in an insurrection, rebellion, or riot; (e) Services received for any condition caused by an Insured Person's commission of, or attempt to commit a felony or to which a contributing cause was the Insured Person being engaged in an illegal occupation; (f) An Insured Person, age 19 or older, being under the influence of illegal narcotics or non-prescribed controlled substances unless administered on the advice of a Physician.
• Any services provided by a local, state or federal government agency except when payment under this Plan is expressly required by federal or state law.
• Professional services received or supplies purchased from the Insured Person, a person who lives in the Insured Person's home or who is related to the Insured Person by blood, marriage or adoption, or the Insured Person's employer.
• Inpatient or outpatient services of a private duty nurse.
• Inpatient room and board charges in connection with a Hospital stay primarily for environmental change, physical therapy or treatment of chronic pain; Custodial Care or rest cures; services provided by a rest home, a home for the aged, a nursing home or any similar facility service.
• Inpatient room and board charges in connection with a Hospital stay primarily for diagnostic tests which could have been performed safely on an outpatient basis.
• Treatment of Mental, Emotional of Functional Nervous Disorders (including nicotine use) or psychological testing except as specifically stated in this Plan. However, medical conditions that are caused by behavior of the Insured Person and that may be associated with these mental conditions are not subject to these limitations.
• Treatment of Drug, alcohol, or other substance addiction or abuse, except as specifically stated in this Plan.
• Dental services, dentures, bridges, crowns, caps or other dental prostheses, extraction of teeth or treatment to the teeth or gums, except as specifically stated in this Plan.
• Dental and orthodontic services for Temporomandibular Joint Dysfunction.
• Orthodontic Services, braces and other orthodontic appliances.
• Dental Implants: Dental materials implanted into or on bone or soft tissue or any associated procedure as part of the implantation or removal of dental implants.
• Hearing aids.
• Routine hearing tests except as provided under Preventive and Primary Care.
• Optometric services, eye exercises including orthoptics, eyeglasses, contact lenses, routine eye exams, and routine eye refractions, except as specifically stated in this Plan.
• An eye surgery solely for the purpose of correcting refractive defects of the eye, such as near-sightedness (myopia), astigmatism and/or farsightedness (presbyopia).
• Outpatient speech therapy.
• Any Drugs, medications, or other substances dispensed or administered in any outpatient setting except as specifically stated in this Plan. This includes, but is not limited to, items dispensed by a Physician.
• Any intentionally self-inflicted Injury or Illness. This exclusion does not apply to the Medical Evacuation, Repatriation of Remains and Bedside Visit Benefits.
• Cosmetic surgery or other services for beautification, including any medical complications that are generally predictable and associated with such services by the organized medical community. This exclusion does not apply to Reconstructive Surgery to restore a bodily function or to correct a deformity caused by Injury or congenital defect of a newborn child, or to Medically Necessary reconstructive surgery performed to restore symmetry incident to a mastectomy.
• Procedures or treatments to change characteristics of the body to those of the opposite sex. This includes any medical, surgical or psychiatric treatment or study related to sex change.
• Treatment of sexual dysfunction or inadequacy.
• All services related to the evaluation or treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including sterilization reversals and In vitro fertilization, except as specifically stated under this Plan.
• All contraceptive services and supplies, including but not limited to, all consultations, examinations, evaluations, medications, medical, laboratory, devices, or surgical procedures unless stated otherwise.
• Cryopreservation of sperm or eggs.
• Orthopedic shoes (except when joined to braces) or shoe inserts, including orthotics.
• Services primarily for weight reduction or treatment of obesity including morbid obesity, or any care which involves weight reduction as a main method of treatment.
• Routine physical exams or tests that do not directly treat an actual Illness, Injury or condition, including those required by employment or government authority except as specifically stated in this Plan.
• Charges by a provider for telephone consultations.
• Items which are furnished primarily for the Eligible Participant's personal comfort or convenience (air purifiers, air conditioners, humidifiers, exercise equipment, treadmills, spas, elevators and supplies for hygiene or beautification, etc.).
• Educational services except as specifically provided or arranged by the Insurer.
• Nutritional counseling or food supplements.
• Durable medical equipment not specifically listed as Covered Services in this Plan. Excluded durable medical equipment includes, but is not limited to: orthopedic shoes or shoe inserts; air purifiers, air conditioners, humidifiers; exercise equipment, treadmills; spas; elevators; supplies for comfort, hygiene or beautification; disposable sheaths and supplies; correction appliances or support appliances and supplies such as stockings.
• Any services received on or within 6 months after the Effective Date of coverage if they are related to a Pre-existing Condition.
• Physical and/or Occupational Therapy/Medicine, except when provided during an inpatient Hospital confinement or as specifically provided under the benefits for Physical and/or Occupational Therapy/Medicine.
• All Infusion Therapy together with any associated supplies, Drugs or professional services are excluded except as specifically provided under this Plan.
• Growth Hormone Treatment.
• Routine foot care including the cutting or removal of corns or calluses; the trimming of nails, routine hygienic care and any service rendered in the absence of localized Illness, Injury or symptoms involving the feet.
• Charges for which the Insurer is unable to determine the Insurer's liability because the Eligible Participant or an Insured Person failed, within 60 days, or as soon as reasonably possible to (a) authorize the Insurer to receive all the medical records and information the Insurer requested or, (b) provide the Insurer with information the Insurer requested regarding the circumstances of the claim or other insurance coverage.
• Charges for the services of a standby Physician.
• Charges for animal to human organ transplants.

Pre-existing Conditions
Benefits are not available for any services received: (1) on or within 6 months after the Eligibility Date of an Insured Person who is not a Late Enrollee; or (2) on or within 6 months after the Effective Date of Coverage for a Late Enrollee, if those services are related to a Pre-existing Condition. This exclusion does not apply to a Newborn who is enrolled within 31 days of birth or a newly adopted child who is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption. In addition, the Insurer will credit time an Insured Person was covered by Creditable Coverage that was in effect up to a date not more than 63 days before the Effective Date of Coverage under this Plan, excluding the Waiting Period.

This limitation does not apply to the Medical Evacuation, Repatriation of Remains and Bedside Visit Benefits.

To review a sample certificate visit: certificate wording

If any provision of a Global Citizen plan is in conflict with the statutes of the state in which the member resides it is amended to conform to the minimum requirements of those statutes.

On the go, on the web, on your phone!


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Use your mobile phone to:

• Choose from over 5,400 selected, English speaking doctors in 182 countries.
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• Translate medication brand names and key medical terms and phrases.
• Receive personalized health and safety alerts via text message or e-mail.

U.S. means the United States of America.

Year is a 12-month period beginning each January 1 at 12:01 a.m. Eastern Time.