CitizenSecure® Economy
(also known as Citizen Secure Economy)
Affordable Expat Health Insurance
Affordable International Expat Health Insurance and Term Life for Individuals and Families Living Overseas
CitizenSecure® Economy is a great option for those expats who want comprehensive medical coverage, but without a comprehensive price. Because making sure you and your family are covered while living and working abroad as US Expatriates is priceless. Although some employers may provide you with an international medical insurance policy, it's important to take a look at all your options. It's also important to keep in mind that the level of care and service may not be the same as what you are used to experiencing. One way you can help make sure you get the appropriate medical care you need, when you need it at a price you can afford, is by getting the CitizenSecure® Economy international expat health insurance plan.
When you start your research on which plan to choose, you may want to take note of our:
- Cost – Cost is typically the first thing everyone looks at when researching any sort of product or service. Many have probably learned that features play a big role in the quality of a product, but it's important to know that weighing the benefits and coverage when researching expat insurance is crucial when trying to select the best plan for you. Sometimes picking the cheaper plan can leave you with one hefty bill if the coverage isn't enough when you have to use it.
- Coverage – Coverage comes in many forms: the benefits, the geographic reach of the plan and its provider network. Not only does our international expat health insurance plan come with comprehensive coverage, but CitizenSecure® Economy also has worldwide coverage with a global provider network thru CMN.
- Company – Choosing a plan from a reputable and stable company has always been important. You need to know that your insurance company can be there for you when you need them most. Check out the company's industry ratings status from reputable industry rating companies before purchasing your expat health insurance plan.
- Complimentary Services – Expat health insurance, although a major medical insurance plan isn't just like your typical domestic plan. It's designed for those who are outside of their home country for long periods of time. So, shouldn't your plan come with services that are designed for expatriates as part of the standard plan as well? Look for plans that offer key travel and medical assistance services like interpreter assistance, lost travel documents replacement, etc. like our CitizenSecure® Economy plan.
An expat is really just someone living out their ordinary lives in ordinary ways, just a little out of the way from home. Making a life change is tough and making a life changing career and physical relocation is even tougher. Though this lifestyle can be challenging, it can also be very rewarding, so don't let fear of the unknown hold you back and don't let your budget limit your experience. Get a personalized quote for our affordable expat health insurance plan, CitizenSecure® Economy and be on your way.
CitizenSecure® Economy: Major Medical Missionary Travel Insurance for the Budget Conscious
Volunteers heading out to aid those in need across the border can protect their own needs at the same time with an international major medical plan like CitizenSecure® Economy. Our CitizenSecure® Economy plan provides you with the necessary emergency coverage like the emergency medical evacuation and emergency reunion coverage while you are away helping those in need. One thing we have tried to keep in mind is that some of the missionary work is strictly on a volunteer basis and so you might be going without a paycheck for a while. Creating and keeping to a budget becomes a very important part of planning your trip abroad. We want to help, so we've come up with:
Top 10 Ways to Save Money with an Expat International Medical Insurance Plan- Research, Research, and Research – it's all too easy to just click on the cheapest rate that pops up when you're looking online for expat health insurance. However, that one little move could end up costing you so much more if it doesn't have the coverage you really need. Make sure you do a thorough comparison of your plan options, including evaluating the service, coverage, benefits and reputation of the insurance company.
- What's Required – some countries have specific requirements regarding the level of medical coverage you must carry. So don't throw away your money and purchase just any international plan, gather the coverage requirements and compare them to an international expat insurance plan, like CitizenSecure® Economy.
- Ask the Boss – if you are moving overseas and working with an organization as an employee or consultant, ask them about provided coverage for you and your family. They may already have it covered for you. One thing to keep in mind is, some domestic plans may have limited coverage overseas, but usually it is not enough for long-term living abroad.
- Ask the Professionals – whether it's an insurance agent or calling the insurance company directly, it can save you a lot of time and money when you have someone who can talk you through your needs and what coverage, deductible, and optional benefits work best for you and your family. They may also have other products you are looking for, like Trip Cancellation, that you can do one-stop shopping for.
- Pay For What's Needed – making sure you have comprehensive expat health insurance coverage is important, but there are some benefits you could opt out of to help reduce the premium cost. As an example, our CitizenSecure® Economy plan comes with several optional benefits that you may choose to add to your plan, like our Optional Sports Rider.
- Set the Right Levels – when making your plan selections, make sure you are weighing into consideration how often you typically go to the doctor and use your international expat health insurance plan. Choosing the highest deductible to reduce the monthly premium may actually end up costing you more out-of-pocket in the event you have a pricey medical expense.
- Think Long-term – although looking at the bill for an annual expat insurance policy might be a little eye popping, it's actually more cost effective to look at the bigger picture. For example, an emergency medical evacuation could cost over $50,000 and that's not including the medical treatment and hospital costs following the evacuation.
- Utilize the Network – finding physicians and hospitals that are in the plan's international network and can file claims on your behalf to your insurance company may alleviate the need to pay cash for services upfront and wait to get reimbursed later.
- Double Check the Coverage – think about the sort of activities you will be doing while away, whether for work or pleasure. Some of the activities you may participate in as part of your grand adventure abroad may actually be excluded from the standard plan coverage. Although it will add to the premium amount, adding the Optional Sports Rider may protect you from spending thousands later.
- Make a Smart Investment – make sure the company you are trusting to provide your international expat health insurance coverage is reputable and stable. Also make sure they have long-standing experience in serving international members. Paying for a plan and then having issues using it or getting claims reimbursed is a poor investment.
International expat health insurance is not always the cheapest, but in the end its protection is well worth its cost. Get your personalized missionary travel medical insurance quote today!
* The claims examples provided above are based on actual international health insurance claims handled by HCCMIS. Coverage for similar international health insurance claims is not to be inferred from the above examples, as all claims are determined to be eligible/ineligible based on the applicable international health insurance policy and the facts and circumstances of each claim.
