Nautical Health Insurance Plans for Your Worldwide Travel Needs

Why Buy Maritime Medical Insurance?

The answer is easy.
If you are a US citizen living abroad, traditional sources of US private health insurance may not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside, or you may wish to have access to health care in other countries, including the US, in the event you become seriously ill. If you are a non-US citizen, you may need an international medical insurance policy to supplement the coverage available to you through a plan sponsored by your government or to provide coverage while you are outside your home country. If you travel or reside worldwide, HCC Medical Insurance Services has designed The Maritime Citizen Series to meet your needs.

Who is the Plan Administrator?
HCC Medical Insurance Services, headquartered in Indianapolis, Indiana, is a full service organization, offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of Maritime Citizens. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.6 billion, shareholders’ equity in excess of $2.7 billion and is rated ‘AA’ (Very Strong) by Standard & Poor’s, ‘AA’ (Very Strong) by Fitch Ratings and ‘A+’ (Superior) by A.M. Best Company.

Who is the Insurer?
The Maritime Citizen Series is insured by Lloyd’s. Lloyd's is the largest and oldest insurance market in the world and is rated ‘A’ (Excellent) by A.M. Best Company and ‘A+’ (Strong) by Standard and Poor’s. Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.

Which Coverage Area is Right for Me?
The Maritime Citizen Series 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.

Am I Eligible for The Maritime Citizen Series?
The Maritime Citizen Series is available to citizens of most countries of the world who are at least age 14 days and not over 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 abroad, including the US or their country of citizenship. Optional Term Life Insurance is not available to residents of the US, regardless of citizenship.

Is Coverage Under The Maritime Citizen Series Renewable?
Yes. The Maritime Citizen Series products are annually renewable. There are no medical questions at renewal. Renewal is 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 Maritime Citizen Senior Plan, with no medical questions.

How Do I Apply for The Maritime Citizen Series?
To receive a quote and complete an application online, please click here. Within five business days of receipt of your Application, you will be informed of whether your Application has been accepted or of any additional information required for continuing the evaluation of your Application. If your Application is accepted, you will be informed of the effective date of coverage, and a fulfillment kit will be sent via mail containing your Certificate of Coverage, an identification card, a Claimant’s Statement, and instructions on how to use your insurance. In the event that your Application is not accepted, HCC Medical Insurance Services will promptly refund your premium.

The Maritime Citizen Series is a medically underwritten plan, which means that your family’s medical status and history will be used to determine your eligibility for coverage. When Underwriting reviews your Application, they will evaluate the medical information that you provide and determine whether coverage can be issued and if Riders are necessary. These Riders allow Underwriting to issue a Certificate by excluding coverage for specified conditions. Additionally, your premium may be impacted by certain factors. If additional premium is due, you will be notified after a medical underwriter has reviewed the application.

Coinsurance will be waived for expenses incurred in the US within our direct-pay PPO. Simply present your identification card at the provider’s office so that they may contact us to verify benefits and billing information. For your convenience, HCC Medical Insurance Services also offers an international network. Both networks are searchable through Client Zone, which is accessible with your Certificate number and date of birth once coverage has been approved.

How Do I File a Claim?
Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains Claimant's Statement and Authorization forms. Complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to HCC Medical Insurance Services. Be sure to complete your Claimant's Statement entirely and sign it. If you have already paid certain expenses, attach copies of your payment receipts. You will be reimbursed for eligible medical or dental expenses. In many cases, HCC Medical Insurance Services will make payments directly to the hospital or physician that treated you. Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.

The Maritime Citizen Series plans require Pre-certification, which simply means that you must contact HCC Medical Insurance Services as soon as possible before a planned hospitalization or surgical procedure, within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy. Pre-certification allows us to establish contact and make payment arrangements with your providers, negotiate discounts which will benefit both you and us, pre-arrange future care, and plan for your claim. Pre-certification helps us help you.

Maritime Citizen Senior Plan
Eligibility for the standard Maritime Citizen plans ends at age 75, but for those members who joined before age 65 and have maintained coverage for at least 10 years, the Maritime Citizen Senior Plan is available with no medical questions. The Maritime Citizen Senior Plan offers many of the same benefits and limits as the standard Maritime Citizen plan. The Senior plan deductibles available are $5,000, $7,500, and $10,000. On the Maritime Senior Platinum plan, the Overall Maximum Limit is reduced to $1 million. Additionally, the Human Organ Transplant and Emergency Medical Evacuation benefits are deleted.

Optional Sports Rider:
The Optional Sports Rider provides additional coverage for your extreme sports lifestyle. Whether your interests include mountaineering, skydiving, or whitewater rafting, electing the Sports Rider option will add coverage up to a lifetime maximum of $25,000 for these activities excluded by the standard plan. Coverage for Contact Sports, such as soccer or hockey, is added up to a lifetime maximum of $5,000. The Sports Rider adds coverage for sports and athletics except those activities engaged in for wage, reward, or profit.

Optional Dental Rider:
If you purchase the Optional Dental Rider, children age 9 to 16 are covered for Preventative Dental Benefits, including routine oral exams every 6 months, fluoride treatment every 12 months and bitewing x-rays every 24 months. All covered family members receive Basic and Major Dental Benefits. Basic Benefits include periodontics, endodontics, extractions and fillings. Major Benefits include crowns, bridges and dentures. The Maritime Citizen Series Optional Dental Rider is useful for families as well as individuals. Coverage is provided in most countries of the world at your choice of dentists.

If you reside outside the US, you may be able to purchase the Optional Term Life and Accidental Death and Dismemberment insurance to protect your family and provide cash benefits in the event of your Death. The amount of coverage available under Option 1 ranges from $5,000 to $50,000, depending on your age at the time of your death or dismemberment. If you are at least 19, but not yet 65, you may purchase Option 2, which doubles the benefits available to you.

Assistance Services are available to you 24 hours a day, 7 days a week while your Maritime Citizen Plan is in effect.

»Pre-Trip Health and Safety Advisories (available after your purchase of the Maritime Citizen Series and before your departure) – Call us for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.

»Livetravel® Services – We will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

»BagTrak® – We are the industry leaders in tracking lost checked baggage. We will help you locate your lost checked baggage, and deliver it to you.
»Emergency Message Relay – We will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.
»Emergency Cash Transfers – We will assist you in arranging and obtaining cash transfers in various countries around the world.

Maritime Citizen Assistance Services are provided by AIG Travel Assist and are not insurance benefits. Any assistance service provided by AIG Travel Assist is not a guarantee of any insurance benefit under the Maritime Citizen Series.

Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, HCCMIS is ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to:

At times, there is simply no substitute for human intervention. HCCMIS’ World Service Center is available 24 hours a day, 7 days a week to answer your questions and may be reached at no cost through our worldwide toll-free numbers. Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, a World Service Center representative will arrange one. You may contact the World Service Center by e-mail via insurance@hccmis.com or by phoning 800-605-2282 or 317-262-2132 (collect calls accepted).

HCC Medical Insurance Services (HCCMIS) is a leading innovator in the international medical insurance industry. HCCMIS has designed a complete portfolio of quality international medical, life, and disability insurance products to protect individuals, corporations, missionaries, students, and organizations during their international activities. HCCMIS is backed by the solid financial security of our parent company, HCC Insurance Holdings, Inc. (HCC).

You have choices when buying international medical insurance and travel assistance services for your next trip abroad. Doesn’t it make sense to work with a company with proven integrity and resilience? We are committed to providing exceptional service and innovative insurance products to our consumers worldwide. HCCMIS has a strong foundation, built around a loyal customer-base and worldwide network of distributors, which has not only withstood during tumultuous times, but has gotten stronger.

»Atlas Travel Series: Travel medical insurance for individuals and families traveling internationally.

»Atlas Group Travel: The same quality coverage as the Atlas Travel Series product at a discount group rate making it appropriate for student groups, missionary organizations and corporations.

»Atlas Professional: Coverage similar to the Atlas Travel Series tailored to meet the needs of professionals traveling abroad several times throughout the year.

»StudentSecure^SM: A medical insurance plan designed specifically to meet the needs of students studying abroad.

»GroupSecure^SM: Dependable, high quality medical insurance for US-based organizations with employees overseas or non-US organizations employing expatriates, third-country nationals, or key local nationals.

»MultiNational Accident Plan: Coverage for accidents that result in disability or death, including Acts of War and Terrorism.

»IC+ International Term Life: Term life insurance for individuals requiring personal and business protections.

HCC Medical Insurance Services respects individual privacy and values the confidence of its customers, employees, consumers, business associates and others. Please contact us or visit our website to obtain a full version of our Privacy Policy.