Immigrant Secure
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Purchase this Plan Online
Brochure & Paper Application
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Health Coverage that Goes Far & Beyond
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Agent Information:
MCIS Multichoice Insurance Services
40461 Fremont Blvd.,
Fremont, CA 94538, USA.
Ph: 1-800-507-1428
Ph: 1-510-456-5304
Fax: 1-510-402-4743
Website: www.insurancemultichioce.com
Email: contact@insurancemultichoice.com
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ImmigrantSecure is your cost effective insurance plan when you have relatives visiting the US or for travel abroad. ImmigrantSecure provides
protection while immigrating or traveling to the US and internationally.
- Easy online enrollment
- Major medical coverage for individuals of any age
- Astonishing travel assistance services included
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Individuals from around the globe live and work in the US. While traditional domestic plans are available to permanent residents, family, friends
and others who visit these individuals often need insurance protection while they are in the US. ImmigrantSecure is designed to protect these
international visitors. The plan also provides an additional, economical option for US citizens traveling abroad. ImmigrantSecure provides quality
insurance at a price that does not break the bank. It provides both inpatient and outpatient hospital benefits and many other valuable emergency
travel features, giving you protection you can rely on.
Whether you are looking for coverage for one individual or a group of family members, ImmigrantSecure has the features you need. Each plan
includes coverage for Medical Expenses, Emergency Medical Evacuation, and Common Carrier AD&D. In addition, the plan offers a choice of
deductibles and coverage options assuring that the plan will meet almost any budget.
About the Plan Administrator
HCC Medical Insurance Services Underwriters® (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering a
comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international
claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer your questions and
respond to your needs. You will find our service team to be prompt, compassionate, and highly professional. 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 $8.0 billion, shareholders’ equity in excess of $2.3 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.
About the Insurer
Lloyd’s, the largest and oldest insurance market in the world, is the insurer of ImmigrantSecure. Rated ‘A’ (Excellent) by AM 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.
Privacy Policy
HCCMIS respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please
contact us to obtain a full version of our Privacy Policy.
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All benefits, except Common Carrier Accidental Death and Dismemberment, are subject to Deductible and are per Certificate Period unless stated
otherwise. Coinsurance does not apply.
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$200 per Injury or Illness
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$0, $50, or $100 per Injury or Illness
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$0, $50, or $100 per Injury or Illness
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Maximum per Injury / Illness
Ages 14 days through 69 years
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Penalty for failure to Pre-certify
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50% of Eligible Medical Expenses
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Hospital Room and Board,
including miscellaneous
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$1,400 per day,
maximum 30 days
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$1,675 per day,
maximum 30 days
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$1,950 per day,
maximum 30 days
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$2,535 per day,
maximum 30 days
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Intensive Care Unit, including
miscellaneous
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$2,060 per day,
maximum 8 days
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$2,430 per day,
maximum 8 days
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$2,800 per day,
maximum 8 days
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$3,640 per day,
maximum 8 days
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$55 maximum per visit,
30 visits maximum
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$70 maximum per visit,
30 visits maximum
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$85 maximum per visit,
30 visits maximum
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$110 maximum per visit,
30 visits maximum
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Outpatient Surgical Facility
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Diagnostic X-ray and Labs
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$450 maximum, plus
$250 for one CAT Scan,
MRI or PET
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$475 maximum, plus
$375 for one CAT Scan,
MRI or PET
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$500 maximum, plus
$500 for one CAT Scan,
MRI or PET
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$650 maximum, plus
$600 for one CAT Scan,
MRI or PET
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Emergency Room (all expenses
incurred therein)
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75% of URC to $330
maximum
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75% of URC to $440
maximum
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75% of URC to $550
maximum
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75% of URC to $700
maximum
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Outpatient Prescription Drugs
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Office Visits, including Urgent Care
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$55 allowable per visit,
10 visits maximum
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$70 allowable per visit,
10 visits maximum
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$85 allowable per visit,
10 visits maximum
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$110 allowable per visit,
10 visits maximum
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Miscellaneous Inpatient & Outpatient Treatment
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$40 maximum per visit, 1 visit per day, maximum 12 visits
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Durable Medical Equipment
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Chemotherapy and Radiation
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Emergency Medical Evacuation
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$50,000 Lifetime Maximum. Available only to Members under age 70. Accrues
toward Maximum per Injury / Illness
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Common Carrier Accidental Death &
Dismemberment
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$25,000 Lifetime Maximum Principal Sum per Member
Not Subject to Deductible
Death or Loss of Two Limbs – Principal Sum
Loss of One Limb – One-half the Principal Sum
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Covered Expenses
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Medical
Subject to the coverage outlined in the Schedule of Benefits and Limits, ImmigrantSecure will provide benefits for the following:
- Inpatient and Outpatient charges made by a Hospital
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred
the case
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist but excluding nebulizers,
oxygen tanks, diabetic supplies and all devices for repeat use at home
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
- Charges for oxygen and other gases and anesthetics and their administration
- Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or
otherwise compromised drugs
- Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital
- Emergency local ambulance transport incurred in connection with Injury or Illness resulting in Inpatient hospitalization
Emergency Medical Evacuation
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary
treatment is not available locally, and if approved in advance and coordinated by HCCMIS, the plan will provide the following benefits: Emergency
air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.
Repatriation of Remains
In the event of a covered Injury or Illness resulting in your death, ImmigrantSecure will provide the following benefit: Air and/or ground
transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary
for transportation.
Common Carrier Accidental Death & Dismemberment
In the event of your Accidental Death or Dismemberment while traveling on board a commercial common carrier (airplane or cruiseline),
ImmigrantSecure will provide the following benefit, subject to a maximum of $125,000 per family:
- Accidental Death – $25,000 to the Beneficiary designated on your Application
- Loss of 2 eyes or 2 or more limbs – $25,000 to you
- Loss of 1 eye or 1 limb – $12,500 to you
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Pre-existing Conditions
This plan does not provide any coverage for Pre-existing Conditions. A Pre-existing Condition is a condition that meets any of the following
descriptions. A condition:
- that would have caused a person to seek medical advice, diagnosis, care or Treatment within the 6 months (or 12 months for persons age
70 and older) prior to your Effective Date
- for which medical advice, diagnosis, care or Treatment, including medication, was sought, recommended or received within the 6 months (or
12 months for persons age 70 and older) prior to your Effective Date
- for which the symptoms that occurred within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date would
have allowed a person trained in medicine to make a diagnosis of the condition producing the symptoms
- which manifested within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date
Home Country Coverage
ImmigrantSecure is designed to cover you during a single trip outside of your Home Country. Coverage will end upon return to your Home Country.
Contact your agent or HCCMIS for other plan options providing Home Country coverage and/or allowing visits to your Home Country without
terminating coverage.
Other exclusions include:
- Charges related to Pregnancy, childbirth, care of newborns, congenital conditions, birth control, artificial insemination, infertility, impotency or
sexual dysfunction, sterilization or reversal thereof
- Charges that are not incurred during the Certificate Period or which exceed Usual, Reasonable and Customary
- Services that are not Medically Necessary, not administered or ordered by a Physician, or are provided at no cost to you or by your Relative
or a person who resides with you
- Venereal disease, and treatment of individuals who are HIV+ or who have AIDS or ARC
- Services related to vision correction, hearing correction, or hair loss
- All cosmetic surgeries, unless reconstructive surgery is directly relating to a covered Illness or Injury
- Speech, acupuncture or sleep therapy and treatment by a chiropractor
- Self-inflicted Injury or Illness
- Dental Treatment, except for Emergency Treatment following a covered Accident
- Charges for travel or accommodations, except as specifically provided by the plan
- Organ and tissue transplants
- Treatment of the temporomandibular joint
- Charges resulting from or occurring during the commission of a violation of law by the Member
- Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs
- Home nursing care and charges Incurred while confined primarily to receive Custodial, Educational or Rehabilitative Care
- Surgeries, treatments, services or supplies which are Investigational, Experimental or for Research Purposes
- Immunizations and Routine Physical Exams
- Foot care, unless related to a covered accidental Injury
- Diseases of the skin
- Injury sustained while taking part in contact sports, non-recreational athletics, and thrill-seeking activities
This is a partial list of exclusions. Please see the Certificate of Insurance for detailed information about these and other plan benefits,
provisions, exclusions and limitations. Master Policy
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Pre-certification
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Hospitalizations, Surgeries, Emergency Evacuations, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance
Imaging (MRI) must be Pre-certified. Simply call, or have your Physician call, HCCMIS with the information relative to your claim. You may also
Pre-certify by submitting details through Client Zone. Be sure to have your ID number available. If you do not Pre-certify, medical expenses will be
reduced by 50% and all other expenses will be forfeited.
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Policy Administration
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Enrollment Procedures
For quick and easy enrollment, contact your producer or HCCMIS for online application instructions. Online applications are processed in real-time,
and you will be able to print your fulfillment immediately. You may also obtain and complete an application form to be returned to HCCMIS by e-
mail, fax, or postal mail. Applications submitted by e-mail, fax, or postal mail will be processed within two business days of receipt by HCCMIS.
MCIS Multichoice Insurance Services
40461 Fremont Blvd.,
Fremont, CA 94538
Ph: 1-510-456-5304
Toll Free: 1-800-507-1428
Fax: 1-510-402-4743
Email: contact@insurancemultichoice.com
Eligibility
To be eligible for ImmigrantSecure, you must be traveling outside of your Home Country and be at least 14 days of age. US citizens must be
traveling outside of the US in order to be eligible. For individuals coming to the US who are over age 65, coverage must be effective within 30 days
of arrival.
Home Country – For US Citizens, Home Country is the United States of America, regardless of the location of the Member’s Principal Residence.
For non-US Citizens, Home Country is the country where the Member principally resides and receives regular mail. For non-US citizens listed as a
Spouse or Child on an Application, Home Country will be the same as that of the Primary Applicant.
Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select
any plan. If an individual reaches age 70 while covered under the plan, the Deductible changes to $200 as of the date of the 70th birthday. Overall
Policy Maximums and other benefit limits, as applicable, reduce in accordance with the Schedule of Benefits on the dates of the 70th and 80th
birthdays if those dates occur while an individual is covered under the plan.
Certificate Effective & Termination Dates
Insurance hereunder is effective for a Member on the later of:
- the moment HCCMIS receives Application and correct premium if Application and payment is made online or by fax
- 12:01am* on the date HCCMIS receives Application and correct premium if Application and payment is made by mail
- the moment the Member departs from his or her Home Country
- 12:01am* on the date requested on the Application
Insurance hereunder terminates for a Member on the earlier of:
- 12:01am* on the last day of the period for which premium has been paid
- 12:01am* on the date requested on the Application
- the moment of the Member’s arrival upon return to his or her Home Country
*Times expressed above are based on US Eastern Time
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After your initial purchase, you may extend your coverage up to a maximum of 12 months from the initial effective date. You may renew your
coverage for an additional year as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 30 days of
your first Certificate Period. For an ongoing condition, the Deductible must be re-satisfied as of the renewal date. After 2 years of continuous
coverage or any break in coverage, a new plan must be purchased. A new Application is required and you must re-satisfy your Deductible,
Pre-existing Condition provisions, and all other benefit limits.
Extensions and renewals must be made online with payment by credit card. For additional information on extending or renewing your plan, please
visit Client Zone. Renew Online
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To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the
effective date will be subject to the following conditions:
- A $25 cancellation fee will apply
- Only the unused portion of the plan cost will be refunded
- Only members who have no claims are eligible for premium refund
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Assistance Services
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All Travel Assistance Services are available to you 24 hours a day, 7 days a week while your plan is in effect:
Pre-Trip Health and Safety Advisories – Contact us for current passport, visa, inoculation and vaccine requirements as well as for 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 track 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.
Travel Assistance Services also include:
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- Medical referrals
- Assistance with prescription drug replacement
- Dispatch of a doctor or specialist
- Emergency travel arrangements for family members
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- Lost passport or travel documents assistance
- Embassy and consulate referrals
- Legal and accounting referrals
- Bail bond assistance
- Translation and interpretation assistance
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Customer Service
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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:
- Change personal information
- Extend and renew coverage
- Obtain details about claim filing, including downloading necessary forms
- Pre-certify for certain medical procedures and hospitalizations
- Replace a lost ID card or reprint your fulfillment
- Locate doctors and hospitals within the PPO Network
- Study destination, weather and travel security information using our Travel Intelligence & Planning System (TIPS)
- Access health and wellness information
- View and download brochures, obtain policy information, or get quotes for other products offered by HCCMIS
You may access Client Zone by logging in at Client Zone
At times, there is simply no substitute for human intervention. HCCMIS’s 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, the HCCMIS service representative
will arrange one.
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Rates valid through 12/31/08 Rates include Surplus Lines taxes and fees when applicable
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