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Global Citizen Health Insurance
Worldwide health insurance and services for International living
The Global Citizen health plan is designed to support the international lifestyles of those who travel to or from the United States for extended periods of business, leisure and study. If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services. This risk is heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.
PHA Health, US can assist in identifying these gaps in coverage and secure the comprehensive international health and medical insurance you require from our "virtual agency".
Global Citizen is the premier international health plan because it combines comprehensive worldwide benefits with a new generation of medical assistance services, which include an impressive array of online tools to identify, access and pay for quality healthcare around the world.
Global Citizen give you the freedom to access care inside and outside the U.S. Choose from five plan designs, including a high-deductible plan that qualifies for a tax advantaged Healthcare Savings Account.
Why Choose HTH Worldwide's Global Citizen Health Insurance Plan?
Health Savings Accounts (HSA's) are tax-exempt accounts where funds grow to pay for medical expenses. They were created to help give control back to consumers and lower healthcare costs. HSA’s provide a financial incentive for consumers to select a High Deductible Health Plan (HDHP). HDHP's have lower monthly premiums than traditional plans. The HSA/HDHP combination provides consumers with more incentive to shop carefully for healthcare services.
Form W-7 (Rev. January 2007)
How to Apply for Global Citizen Health Insurance Online
A personal check, money order, (payable to HTH Worldwide) 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 you 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 and HM Life Insurance Company underwriters 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 the 1st or 15th day of the month following underwriter approval.
This page, accompanying literature and web links provide a brief description of benefits. The policy / certificate of insurance contains complete details on the pre-existing conditions limitation and plan provisions which include the exclusions and limitations. These plans are not available in all states and the benefits and provisions may vary by state. This is an outline only and not intended to serve as legal interpretation of benefits. Reasonable effort has been made to have this outline represent the contract language. However, the contract language stands alone and the complete terms of the coverage will be determined by the Group Master Policy. .
Global Citizen, TripProtector, TravelGap® and Global Student Health plans are marketed through HTH Worldwide Insurance Services, a subsidiary of Highway to Health. TripProtector Travel insurance is underwritten by Stonebridge Casualty Insurance Company.
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