ASSURANCE INTERNATIONALE
"A+MULTINATIONAL
SERIES"
AN INTERNATIONAL GROUP BENEFIT PROGRAM
FOR GROUPS OF 3 OR MORE PARTICIPANTS
Main Page - All international
health, medical, travel and life insurance carriers and plans
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WHY BUY AN INTERNATIONAL GROUP BENEFIT PROGRAM?
Whether you are a US based organization with employees
overseas, or a non-US organization employing expatriates, third country
nationals or key local nationals, a dependable and cost effective international
group benefit program is a necessity. Outside the United States, American
employees find their traditional group benefit programs to be non-responsive, in
benefits and in service, to the unique situations facing them as they seek
healthcare abroad. Third country nationals and key local nationals find that
their home country social medical systems rarely extend beyond the country’s
borders, and the availability of medical facilities within those borders may be
extremely limited. As international employers seek to compete in global
markets, the challenge of attracting and retaining qualified international
employees can only be met with a comprehensive international group benefit
program.
IS MY ORGANIZATION ELIGIBLE FOR THE A+MULTINATIONAL
SERIES?
If you are a US based
organization with a subsidiary or division operating outside the US, with 3 or
more international employees, your organization is eligible. If your
organization is based outside the US, and you have 3 or more employees, your
organization is eligible.
WHAT ARE THE UNDERWRITING REQUIREMENTS FOR THE A+MULTINATIONAL SERIES?
If you have 10 or less international employees, a completed
medical questionnaire must be submitted and approved for each employee and
dependent to be covered. If you have 11 or more international employees, a
completed simplified medical questionnaire must be submitted and approved for
each employee and dependent to be covered. This requirement may be waived if
you provide at least 3 years of claims history on your international group, from
your present or prior insurer. At least 80% of your international employees
must participate in the insurance.
ARE ALL INTERNATIONAL EMPLOYEES AND THEIR DEPENDENTS ELIGIBLE FOR INSURANCE UNDER THE A+MULTINATIONAL SERIES?
All active, full-time (30 hours per week or more) employees
are eligible, provided they reside and work outside the US. All Spouses and
Dependent children under the age of 19 (23 if full-time student) are eligible,
regardless of where they reside.
WHEN DOES COVERAGE BECOME EFFECTIVE FOR MY INTERNATIONAL EMPLOYEES AND THEIR DEPENDENTS?
For Employees and Dependents who were covered on the day
immediately preceding the Effective Date of the A+MultiNational plan, coverage
becomes effective immediately, provided they have satisfied the Waiting Period
selected by the employer. For new Employees and Dependents added throughout the
year, coverage becomes effective on the first day of the month following the
Waiting Period selected by the employer, provided the appropriate medical
questionnaire has been submitted and approved within the first 30 days of
employment.
WHEN DOES COVERAGE END?
Coverage ends on the date employment terminates, the date
of the employee’s retirement, the date the employee becomes eligible for a US
group benefit plan, or twelve months following the employee’s return to the US –
whichever first occurs. Some groups are required to extend COBRA benefits to
terminating employees. In these circumstances, the A+MultiNational Series
provides for such extension.
WHAT ARE THE BENEFITS OF THE A+MULTINATIONAL SERIES?
|
BENEFIT |
LIMIT |
|
Deductible |
All Deductibles are Per Insured Person per Calendar Year, with a maximum of 3 Deductibles per Family per Calendar Year. Deductible options are: $150, $250, $500, $1,000 or $2,500. |
|
Coinsurance – Claims incurred in US or Canada |
After the Deductible, Underwriters will pay 80% of Eligible Medical Expenses up to $5,000, then 100% to the Maximum Limit per Insured Person. The Coinsurance will be waived if satisfied with expenses incurred within the Preferred Provider Network. |
|
Coinsurance – Claims incurred outside US or Canada |
After the Deductible, Underwriters will pay 100% of Eligible Medical Expenses up to the Maximum Limit per Insured Person. |
|
Maximum Limit |
$1,000,000 Lifetime or $5,000,000 Lifetime |
|
Outpatient Prescription Drugs |
Option 1 – Usual, Reasonable and Customary (Subject to Deductible and Coinsurance) Option 2 - $7 Co-pay Rx card (including mail order) |
|
Inpatient Prescription Drugs |
Usual, Reasonable and Customary (Subject to Deductible and Coinsurance) |
|
Mental or Nervous Disorders |
$25,000 Lifetime Maximum after 12 months of continuous coverage, subject to the following sub-limits: Outpatient Treatment: 50% of a Maximum charge of $100 per visit with a Maximum of 52 visits per Calendar Year per Insured Person. Inpatient Treatment: Limited to $10,000 per Calendar Year per Insured Person. |
|
Transplant Expense |
Subject to Special Transplant Pre-certification Requirements, and only when treatment is provided within the PPO. Covered Transplants are: Heart, Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver and Allogeneic and Autologous Bone Marrow. |
|
Second Surgical Opinion |
Subject to Deductible and Coinsurance unless requested by Underwriters (payable at 100% if requested by Underwriters) |
|
Maternity and Newborn Care |
Subject to Special Maternity Pre-certification requirements, same as any other illness after 10 months of continuous coverage. |
|
Hospital Room and Board |
Average Semi-private, including nursing service. |
|
Intensive Care Unit |
3 times the Average Semi-private room rate |
|
Physical Therapy |
$50 Maximum per visit charge. |
|
Local Ambulance |
$3,000 Maximum per Calendar Year |
|
Wellness |
Up to $150 per Calendar Year for a Routine Physical Examination, including Pap Smear and Mammogram, after 24 months of continuous coverage, for Insured Persons age 35 and older. |
|
Emergency Medical Evacuation |
Up to $25,000 Lifetime Maximum, for Insured Persons under the age of 65. |
|
Eligible Medical Expenses |
Usual, Reasonable and Customary |
WHAT ARE THE PLAN FEATURES?
Pre-existing Conditions:
Pre-existing conditions are covered after 12 months of
continuous coverage under the A+MultiNational Series. If the A+MultiNational
Series is replacing another group insurance plan, time insured under the prior
plan will reduce the 12 month wait for coverage of Pre-existing Conditions.
Outpatient Prescription Drug Card Option:
If you select this Option, each employee will receive a
Prescription Drug Card recognized by 98% of the pharmacy outlets in the US.
There is a co-pay of $7 per prescription for Generic drugs, and $15 per
prescription for Brand drugs, charged when the medication is acquired.
Wellness:
For employees age 35 and older, the A+MultiNational Series
provides up to $150 for an annual routine physical exam, after 24 months of
continuous coverage. If the A+MultiNational Series is replacing another group
insurance plan that also featured a Wellness benefit, time insured under the
prior plan will reduce the 24 month wait for the Wellness Benefit.
Maternity and Newborn Care:
Maternity expenses, including pre-natal care, delivery and
post-natal care, are covered on the same basis as any other Illness, after 10
months of continuous coverage. Newborns are covered from the moment of birth,
provided the delivery is covered, and provided the Newborn is properly enrolled
within the first 31 days of life. If the A+MultiNational Series is replacing
another group insurance plan, time insured under the prior plan will reduce the
10 month wait for Maternity and Newborn Care benefits.
Emergency Medical Evacuation:
Emergency Medical Evacuation to the nearest medical
facility qualified to treat the life threatening condition is covered. All
Emergency Medical Evacuations must be approved in advance by MultiNational
Underwriters, Inc. MultiNational Underwriters, Inc. is available 24 hours a
day, 7 days a week, to approve and coordinate Emergency Medical Evacuations.
Pre-Certification:
All Hospitalizations, certain Outpatient procedures,
Maternity, and Transplants must be Pre-certified. Pre-certification is
easy. The patient or the Physician simply calls MultiNational Underwriters,
Inc. with all information about the medical condition. For Maternity,
Pre-certification must be done within the first 90 days of Pregnancy. All other
Pre-certifications must be done as soon as possible before the expense is
incurred, or within 48 hours in the event of an emergency. If you do not
Pre-certify, benefits will be significantly reduced, and in the case of
Transplants, benefits will be forfeited.
Preferred Provider Organization:
You may choose any Physician or any Hospital. If you are
seeking treatment in the US, your co-insurance will be waived with respect to
charges incurred in the MultiNational PPO Network. Upon request, MultiNational
will provide you with a Provider Directory for the area where you will be
receiving treatment. You can also access the Provider Directory via the
Internet at www.multiplan.com.
Group Term Life and AD&D Insurance:
For groups with 10 or fewer employees, group term life
insurance is required. For larger groups, it is optional. You can select life
insurance amounts of $10,000, $25,000, $50,000 or a multiple of salary, up to
$100,000. Higher life amounts are available, subject to special underwriting
requirements.
Other services provided by MultiNational
Underwriters, Inc.
Hospital / Physician Referral: MultiNational
Underwriters, Inc. maintains relationships with hospitals and physicians
throughout the world, and this network is growing daily. If you need a
referral, just contact MultiNational Underwriters, Inc. and one of our Customer
Service Representatives will assist you.
Patient Advocacy Services: If you are faced with a
complex or severe medical condition, you will be assigned to one of
MultiNational’s Patient Advocates. Your Patient Advocate is your personal
assistant at MultiNational Underwriters on all matters relating to your
treatment and claim, with the goal of securing the best possible care for you in
a convenient and cost effective setting.
General Customer Services: You’ve lost your ID card
or your benefit booklet. Or you have a question about your insurance. Or, you
have filed a claim and you want to know the status of payment. These and many
more questions may arise from time to time. MultiNational Underwriters, Inc.
Customer Service Team is ready to respond. If you do not speak English, your
Customer Service Representative will arrange for a telephone translator to
monitor your call and assist in providing the answers you need.
WHO IS THE PLAN ADMINISTRATOR?
MultiNational Underwriters, Inc., headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of the international community. With over 40 years of experience in the international insurance market, the staff of MultiNational Underwriters, Inc. is ready to serve you. Our international claims specialists, medical professionals and customer service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs.
WHO IS THE INSURER?
Lloyd’s, the largest and oldest insurance market in the
world is the insurer of the A+MultiNational Series. Rated A by AM Best Company,
and A+ by Standard and Poors, 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. Literally millions of people, in
almost every country of the world, rely on Lloyd’s for their accident and health
insurance needs.
HOW DO I OBTAIN A PROPOSAL FROM MULTINATIONAL?
Just complete the A+MultiNational Request for Quote form,
including census data, and forward, fax or e-mail it to John K. Arnold. Within
72 hours of receipt of a complete submission, we will provide you with a
professionally prepared proposal
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For more information please contact:
Pierre Granger AAI,CIRMS
Managing General Agent
Assurance International Website
www.assurance-reseau.com
Email:Pierre Granger
PH: 1-(954) 328-6750
Fax: 1-(305) 556-3680