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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.

HTH Global Citizen Health Insurance Plan

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?

  • A Recognized Leader
    HTH Worldwide is a recognized leader in international health insurance and medical assistance services serving hundreds of thousands of world travelers annually.
  • Highest Standards of Service
    Global Citizen is administered by HTH Worldwide Insurance Services to meet the highest expectations. HTH has set new standards for international assistance services and for applying stringent criteria when contracting with doctors and hospitals outside the U.S. Effective September 1st, 2007 HTH's Global Citizen Members will be able to choose from over 700,000 physicians and 4,400 hospitals who participate in the Aetna Passport to Healthcare Providers ® program in the United States.
  • Strength of a U.S. Health Underwriter
    Global Citizen is underwritten by HM Life Insurance Company, a wholly owned subsidiary of Highmark, Inc. and is rated A- (Excellent) by A.M. Best. Highmark, Inc. is the fifth largest health insurer in the U.S. with annual revenues in excess of $25 Billion.
  • Global Citizen Advantages over Competing Plans
    Meets the standards of state regulators and thus features benefits more generous than non-admitted "surplus coverage". No waiting periods associated with any benefits or services. HIPPA compliant - the pre-existing condition exclusion can be waived with proof of prior credible insurance. Covers injuries or illnesses that are a result of a terrorist act. No precertification requirements. Choice of five plan designs, including a high-deductible plan that qualifies for a tax-advantaged (HSA) Healthcare Savings Account.

Apply Here Online

Apply Here via .pdf Print and Post

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)
Application for IRS Individual Taxpayer Identification Number for use by individuals who are not U.S. citizens or permanent residents.  See instructions.

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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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