Welcome! At Sunburst Worldwide Insurance Services, we are dedicated to providing you a trusted source for international travel, medical, life, and accident insurance with global emergency evacuation assistance 24/7/365 and war and terrorism related coverage for U.S. citizens traveling abroad, new immigrants, international employees, and non-US citizens worldwide. We are committed to providing quality global insurance protection and superior worldwide travel assistance to international travelers in over 100 countries. You can purchase high quality insurance coverage with ease and confidence from Sunburst Worldwide Insurance Services. We are knowledgeable about international insurance and responsive to your needs. You can easily get instant quotes and apply online for these global coverage from our secure system on our website. You also can find current and reliable International Travel News Briefs on our website. Wherever you are in the world, our worldwide assistance is by your side 24 hours a day, 7 days a week.
 

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COMPLETE BROCHURE & RATES FOR

c.gif (2073 bytes)itizenSecure EconomySM
Ren
ewable Long-Term International Medical Insurance
for MultiNational Employees, International Students, Visiting Families, Missionaries,
Foreign Dignitaries, Non-US Citizens, Retirees Overseas

Rates & Application at the bottom of this page.

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note.gif (85 bytes) If you reside or have a mailing address in Florida, please contact us at 877-211-3654 or Info@worldwidemedicalplans.com before submit your application for this plan.
Please read the Benefits & Exclusions of this plan carefully before submitting your application..

globe3.gif (1126 bytes) Why Buy International Medical Insurance?
The answer is easy. If you are a US citizen living abroad, traditional sources of US private health insurance will 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 your lifestyle knows no geographic limits, you need health insurance that knows no boundaries. International Citizen Economy has been designed to meet the needs of budget conscious International Citizens who want reliable, affordable coverage.

globe3.gif (1126 bytes) Who is the Insurer?
These plans are underwritten by Lloyd's, London, the largest and oldest insurance market in the world, with 317 years of experience insuring individuals and corporations internationally. Rated A by AM Best Company and A 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.

globe3.gif (1126 bytes) Am I Eligible for International Citizen Economy (ICE)?
International Citizen Economy 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 plan to depart 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.

note.gif (85 bytes) If you reside Florida or have a mailing address in Florida, please contact us at 877-211-3654 or Info@worldwidemedicalplans.com before submit your application for this plan.

Is Coverage Under International Citizen Economy Renewable?
Yes. International Citizen Economy is annually renewable. There are no medical questions at renewal. Renewal is only subject to your continued eligibility and 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 International Citizen Senior Plan with no medical questions.

SPECIAL NOTE: This plan is renewable. This plan provides long-term medical coverage for non-US citizens around the globe including the U.S.A. For U.S. citizen, you must live or travel outside of  the United States for at least 6 months of any given 12 months of policy period in order to qualify for this plan. If you are a non-US citizen and a permanent resident of the United States, a green card holders, please contact us for eligibility requirement.

globe3.gif (1126 bytes) How Do I Apply for International Citizen Economy?

Please
Click here for Free Instant Quotes and Application Online
note.gif (85 bytes) If you reside Florida or have a mailing address in Florida, please contact us at 877-211-3654 or Info@worldwidemedicalplans.com before submit your application for this plan.

Within 5 business days of receipt of your Application, you will be informed as to the acceptance of your Application and your Effective Date, or of any additional information required to continue the evaluation of your Application. Answer each question thoroughly and legibly, and attach additional sheets if necessary.
If your Application is not accepted, our Underwriters  will promptly refund your premium.
If your Application is accepted, you will receive a fulfillment kit containing your Certificate of Coverage, an identification card, a claim form, and instructions on how to use your insurance.

globe3.gif (1126 bytes) How Do I File a Claim?
Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains a Claimant's Statement and Authorization form. Just complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to the Plan Administrator. Be sure to complete your claim form entirely, sign it, and indicate a convenient time and location to contact you in the event questions arise. If you have already paid certain expenses, attach copies of your paid receipts. You will be reimbursed for eligible expenses. In many cases, the Plan Administrator. will make payment directly to the hospital or physician who treated you. Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.

Pre-certification
International Citizen Economy contains Pre-notification provisions. Pre-notification simply means that you must contact the Plan Administrator as soon as possible before a planned hospitalization or surgical procedure, or within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy. Pre-notification 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-notification helps us help you.

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What Are the Plan Features?

Pre-existing Conditions:
If your Pre-existing Conditions have been fully disclosed on your Application and not excluded or restricted by any other provision of your Certificate, your Pre-existing Conditions are covered up to $5,000 per Certificate Period and $50,000 Lifetime limit after you have been insured continuously for 24 months. Pre-existing Conditions include any Injury, Illness or Mental Health disorder that existed at or prior to your initial Effective Date, including chronic or recurring conditions.

Acute Onset of Pre-existing Condition:
If your Pre-existing Conditions have been fully disclosed on your Application and the conditions are not excluded or restricted by any other provision of your Certificate, you are covered for an Acute Onset of Pre-existing Condition up to $1,000 during the first 12 months of coverage and up to $2,500 during the second 12 months of coverage hereunder. An Acute Onset of a Pre-existing Condition is a sudden, unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning, either in the form of Physician recommendations or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Schedule of Benefits & Limits

Benefits

Limits

Coverage Area Worldwide
Overall Maximum Limit $5,000,000 Lifetime
Deductibles Available $250, $500, $1,000, $2,500 or $5,000 per person per Certificate Period
Coinsurance -- Claims incurred in U.S. or Canada 80% of the next $5,000 of Eligible Medical Expenses after the Deductible, then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO
Coinsurance -- Claims incurred outside US or Canada 100% of Eligible Medical Expenses after the Deductible to the Overall Maximum Limit
Acute Onset of Pre-existing Condition $1,000 during the first Certificate Period and $2,500 during the second Certificate Period
Pre-existing Conditions $5,000 per Certificate Period subject to a Lifetime Maximum of $50,000 (including Acute Onset claims) after 24 months of continuous coverage hereunder
Maternity $5,000 per Pregnancy after 12 months of continuous coverage hereunder, including Inpatient, Outpatient and other benefits as herein provided. Not subject to Coinsurance
Newborn care $15,000 per covered Pregnancy, including Inpatient, Outpatient and other benefits as herein provided, during the first 31 days of life
Organ Transplants $250,000 Lifetime maximum for covered transplants*
INPATIENT BENEFITS (All Subject to Deductible and Coinsurance)
Hospital Room and Board $600 per day, maximum of 240 days per Hospitalization (including ICU days)
Intensive Care Unit (ICU) $1,500 per day, maximum of 240 days per Hospitalization (including non ICU days)
Lab, x-rays and other covered Inpatient services & supplies Usual, Reasonable and Customary Charges (except as limited herein)
OUTPATIENT BENEFITS (All Subject to Deductible and Coinsurance)
Office Visits (Including Physician, Specialist Physical, Psychiatrist, Chiropractor, Surgical Consultant, Physical or Occupational Therapist) 25 visits per Certificate Period per person as provided herein
Physician $70 per visit
Specialist Physician $70 per visit
Psychiatrist $60 per visit, after 12 months of continuous coverage hereunder
Chiropractors $50 per visit (must be prescribed by another non-Chiropractor Physician)
Surgical Consultant $500 per consultation prior to Surgery
Physical or Occupational Therapy $50 per visit (must be prescribed by a Physician who is not affiliated with the Physical Therapy practice)
X-rays $250 per exam (includes Sonograms, Ultrasounds and diagnostic Mammograms)
Laboratory $300 per exam (includes all procedures carried out on one specimen)
Emergency Room Usual, Reasonable and Customary
Local Ambulance $1,500 per Certificate Period per person
INPATIENT or OUTPATIENT BENEFITS (All Subject to Deductible and Coinsurance)
Prescription Medications Usual, Reasonable and Customary
Surgery Usual, Reasonable and Customary
Assistant Surgeon 20% of Surgeon benefit
Anesthesiologist 20% of Surgeon benefit
Midwife Services $500 per covered Pregnancy
MRI, CAT Scan, Echocardiography, Endoscopy, Gastroscopy, Colonoscopy and Cystoscopy $600 per exam
Chemotherapy and Radiation Therapy Usual, Reasonable and Customary
WELLNESS BENEFITS (Not Subject to Deductible)
Well Child (under age 19) $50 per visit for a maximum of 3 visits per Certificate Period (included in Office Visit limit), after 12 months of continuous coverage hereunder
Wellness (Adult 19+) $250 per Certificate Period, after 24 months of continuous coverage hereunder, including Office Visit for $70 and X-Ray and Lab for $180
OTHER BENEFITS (All Subject to Deductible and Coinsurance)
Durable Medical Equipment Usual, Reasonable and Customary charges for Wheelchair, Hospital Bed, and/or Toilet
Emergency Medical Evacuation $50,000 Per Certificate Period
Repatriation of Remains $25,000 Lifetime Maximum
Emergency Reunion $5,000 Lifetime Maximum
*Covered transplants include Heart, Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow.

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note.gif (85 bytes) If you reside or have a mailing address in Florida, please contact us at 877-211-3654 or Info@worldwidemedicalplans.com before submit your application for this plan.

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Optional Sports Rider

Sports Category Lifetime Maximum
Extreme Sports $25,000
Contact Sports $5,000

Optional Term Life Insurance and Accidental Death and Dismemberment

Term Life Insurance  

Age

Basic Life
Principal Sum

Supplemental Life
Principal Sum

19 to 59 $50,000 $50,000
60 to 64 $25,000 $25,000
65 to 69 $10,000 Not Available
Dependent Child $5,000 Not Available

Accident Death and Dismemberment

Accidental Death Principal Sum

Accidental Loss of Two Members

Principal Sum
Accidental Loss of One Member 50% of Principal Sum
"Member" means hand, foot or eye. The Benefit is based on your age at time of Death or Dismemberment.
 

Optional Dental Rider

Year 1 Year 2 Year 3 and after
Preventative Dental Benefits
Children age 9 through 16 (after 3 months of continuous coverage)
100% 100% 100%
Basic Dental Benefits (after 6 months of continuous coverage) 50% 65% 80%
Major Dental Benefits (after 6 months of continuous coverage) 30% 40% 50%
Dental Deductible $100.00 per Certificate Period $100.00 per Certificate Period $100.00 per Certificate Period
Maximum Dental Benefits $500.00 per Certificate Period $750.00 per Certificate Period $1,000.00 per Certificate Period

globe3.gif (1126 bytes) Exclusions and Limitations:
The following charges, treatments, care, services, supplies and/or conditions are excluded from coverage:

1) Charges not incurred during the Certificate Period
2) Services or treatment payable by another insurance or government
3) Substance abuse
4) Charges which exceed usual, reasonable and customary
5) Investigational or experimental surgeries or treatment
6) Custodial, educational or rehabilitative care

7) Weight modification
8) Cosmetic surgery, unless reconstructive surgery is directly relating to a covered Illness or
      Injury
9) Individuals HIV+ at effective date
10) Drugs or treatment for sexual dysfunction
11) Charges for use of Emergency Room for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness
12) Drugs or treatment to promote or prevent conception
13) Devices or procedures to correct sight or hearing
14) Self-inflicted Injury or Illness
15) Foot care, unless related to a covered accidental Injury
16) Treatment or supplies not ordered by a Physician or not Medically Necessary, except for
       Wellness benefits provided herein.
17) Organ transplants, except for covered transplants

18) Speech, acupuncture or sleep therapy
19) Acts of terrorism, war, insurrection, riot or any variation thereof
20) Dental treatment, except emergency treatment following a covered accident, or unless
       Dental Rider is purchased
21) Orthodontia (Dental Rider Exclusion)
22) Sealants, Bleaching and oral hygiene expenses (Dental Rider Exclusion)

This is a summary of the exclusions contained in the Certificate of Insurance. See the Certificate of Insurance for a complete list of exclusions.

globe3.gif (1126 bytes) Special Illness Exclusion:
The following conditions which manifest themselves within the first 180 days of coverage are excluded: any condition of the breast, prostate, the reproductive system, hernia, gallstones, kidney stones, glaucoma, cataracts, disk disease, tonsils, adenoids, hemorrhoids, all types of cysts and any disorder or disease of the skin.

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Wellness:
After 12 months of continuous coverage, children under the age of 19 are eligible for Wellness benefits that are not subject to the Deductible. After 24 months of continuous coverage, adults age 19 and older are eligible for Wellness benefits that are not subject to the Deductible. Wellness benefits include routine physical exams, tests and immunizations, as well as mammogram and OB/GYN visits for adult females.

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Emergency Medical Evacuation:
International Citizen Economy provides coverage for Emergency Medical Evacuation to the nearest medical facility qualified to treat your life threatening condition or potential loss of limb. All Emergency Medical Evacuations must be approved in advance and coordinated by the Plan Administrator. Emergency Medical Evacuations provide you with access to care when you need it most. The Plan Administrator is available 24 hours a day, 7 days a week to approve and coordinate Emergency Medical Evacuations as well as other valuable assistance services needed during an Emergency.

globe3.gif (1126 bytes) Emergency Reunion:
In the event of a covered Emergency Medical Evacuation, the International Citizen Economy will provide the following benefits: the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Medical Evacuation, and reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days.

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Repatriation of Remains:
In the event of a covered Injury or Illness resulting in your death, International Citizen Economy will provide the following benefit: air or ground transportation of bodily remains or ashes to the area of your Principal Residence and reasonable cost of preparation of your remains necessary for transportation.

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Optional Dental Insurance:
If you purchase the Dental Rider, children age 9 to 16 are covered for Preventative Dental care, including routine oral exams every 6 months, fluoride treatment every 12 months and bitewing x-rays every 24 months. All family members are covered for Basic and Major Dental procedures. Basic Dental procedures include Periodontics, Endodontics, fillings and extractions. Major Dental procedures include restorations, crowns, bridges and dentures. All benefits are subject to Deductible, Coinsurance, and Certificate Period maximums.

globe3.gif (1126 bytes)Optional Term Life and AD&D Insurance:
If you reside outside the US, you may 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 Basic coverage 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 Supplemental coverage, which doubles the benefits available to you.

International Citizen Assistance Services:
The following Assistance Services are available to you 24 hours a day, 7 days a week while your International Citizen plan is in effect.

Pre-Trip Health and Safety Advisories (available after your purchase of the International 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 anywhere in the world.
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 anywhere in the world.

Other International Citizen Assistance Services include:

901bbalb.gif (879 bytes)Medical referrals
901bbalb.gif (879 bytes)Up-to-the-minute travel medical advisories
901bbalb.gif (879 bytes)Assistance with prescription drug replacement
901bbalb.gif (879 bytes)Dispatch of a doctor or specialist
901bbalb.gif (879 bytes)Emergency travel arrangements for family members
901bbalb.gif (879 bytes)Lost passport or travel documents assistance
901bbalb.gif (879 bytes)Embassy and consulate referrals
901bbalb.gif (879 bytes)Legal and accounting referrals
901bbalb.gif (879 bytes)Bail bond assistance
901bbalb.gif (879 bytes)Translation and interpretation assistance

International Citizen Assistance Services are not insurance benefits and provision of any International Citizen Assistance Services is not a guarantee of any other benefit under the International Citizen Economy.

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note.gif (85 bytes) If you reside Florida or have a mailing address in Florida, please contact us at 877-211-3654 or Info@worldwidemedicalplans.com before submit your application for this plan.

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Bon Voyage!
Haben Sie eine sichere Reise! Abbia un viaggio sicuro!
”Tenga un viaje seguro! Ayez un voyage sūr! Have a safe trip!


 Guide_2.jpg (1373 bytes) If you have any questions, please contact our friendly specialists.
info@worldwidemedicalplans.com
877-211-3654 or 559-294-0316

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HERE'S THE FINE PRINT:
Availability, features, benefits and rates for all plans described on this site are subject to change without notice at the discretion of the insurance companies. This site is updated frequently, but we recommend contacting Sunburst Worldwide Insurance Services directly to be assured of getting the most up-to-date information available.

Copyright © 1999-2008 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,

is not allowed without the express written permission of the copyright owner.

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INTERNATIONAL TRAVEL NEWS BRIEFS:
Please note that we at Sunburst Worldwide Insurance Services provides the International Travel News Briefs as a value-added service to our international clients and visitors of this website. Our International Travel News Briefs are updated frequently, in order to provide you with current and reliable news and events as quickly as we can. We have no control over the content of external websites, and links to various external news sources may become inactive at any time. We suggest that you bookmark our website and return frequently to check the current global news posted on our website.


East Asia / Pacific - China  June 30, 2007
Special police for Beijing games
The Chinese authorities say they have established a special military unit to provide security for the Beijing Olympics next year.

Sub-Saharan Africa - Kenya  May 5, 2007
Kenya Airways plane
crashed
A Kenya Airways plane that crashed in Cameroon on Saturday has been found submerged in a swamp and there is no chance of any survivors, officials say.

Europe - France
France opens fastest railway link  
Mar. 15, 2007
France's fastest rail link to date has been inaugurated with the service's first train travelling from Paris to the east on Thursday afternoon. Trains on the line are set to travel at 320km/h (200mph).  The service will open to passengers on 10 June when they will be able to travel further east to other EU states.

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East Asia / Pacific - Japan
Ban on liquids expanded for all international flights
  Feb. 26, 2007
Tokyo, Japan: In a move aimed at further thwarting terrorist attacks, passengers on all international flights will be prohibited from bringing aboard liquids in containers larger than 100 milliliters starting Thursday

Europe - Russia  
Explosion in Russian McDonald's
 Feb. 19, 2007
An explosion at a McDonald's restaurant in the Russian city of St Petersburg has slightly injured six people with concussion and cuts from flying glass. 

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Americas - Mexico
'Safest city' now has drug war
Feb. 16, 2007
Monterrey, Mexico:
: An affluent city just two hours from Texas is the newest battleground in a war between drug cartels

Sub-Saharan Africa - Guinea
Guinea Airport Situation 
Feb. 14, 2007
This warden message is being issued to update American citizens regarding information on Air France flights out of Guinea. A flight left Guinea for Paris yesterday. We believe Air France will try to operate flights to Paris starting Thursday, February 15 to Sunday February 19, 2007.

East Asia / Pacific - Indonesia
Bird flu virus kills Indonesian  
Feb. 9, 2007
West Java, Indonesia A 20-year-old woman in Indonesia who tested positive for bird flu has died, becoming the country's 64th human victim, a health official said

Americas - Brazil
Brazil airport hub faces revamp after court battle  
Feb.9,2007
SAO PAULO, Brazil (Reuters) -- Slick runways at Brazil's busiest airport will undergo major overhauls this month after officials tried to ban wide-body jets because of fears they could skid off its short landing strips, the airport's authority said Thursday.

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East Asia / Pacific - Vietnam
Vietnam plans new railway link
Feb. 6, 2007
Hanoi: The Vietnamese authorities have approved plans to build a $33bn (£15bn) rail link between the capital, Hanoi, to Ho Chi Minh City in the south.

New Thailand airport off to rough start  Feb. 2, 2007
BANGKOK, Thailand - The taxiways are cracked, the terminal has leaks and some airlines even wonder whether it's safe to fly into Thailand's new international airport.

Australians warned about crime in Caribbean Feb. 2, 2007
SYDNEY, Australia: The foreign affairs department said in an official travel advisory that fans needed to be aware of safety issues at the World Cup, to be hosted by six Caribbean nations from March 10 until April 28. "In some parts of the Caribbean, violent crime, including armed robbery, kidnapping and murder is common," the advisory said.

Breaking News that International Travelers Need to Know!

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UK Updated Polonium-210 Information  Jan. 31, 2007
Europe - United Kingdom: This information is meant primarily for Americans who were in Britain from November through December 2006. It is an update to the December 11, 2006 warden message concerning events in the UK involving the radioactive material Polonium-210, which have caused concerns for possible public health risks. 

Islamabad Marriott Hotel Attack
Pakistan - It was reported that on January 26, 2007, at approximately 2:37 p.m. local time, a bomb exploded at the back area of the Marriott Hotel in Islamabad, Pakistan.

Kidnap group leader nabbed
East Asia / Pacific - Philippines LINGAYEN -- A leader of the Pepino kidnap-for-ransom group was arrested Wednesday in Bolinao, Pangasinan Wednesday, police officials said.
 

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for Global Travel Medical, Accident, Life Insurance, Emergency Medical &
Political Evacuation, & Trip Cancellation

 

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info@worldwidemedicalplans.com

877-211-3654 or 559-294-0316

 

point1.gif (1077 bytes) List of International Insurance Plans | Request Quotes | What's New?
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Breaking News that International Travelers Need to Know!  
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Copyright © 1999-2007 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,

is not allowed without the express written permission of the copyright owner.