Citizen Secure

Annual, Worldwide International Health Insurance

The following charges, treatments, care, services, supplies and/or conditions are excluded from coverage:

1. Services or treatment payable by another insurance or government
2. Substance Abuse
3. Charges which exceed Usual, Reasonable and Customary
4. Investigational or experimental Surgeries or treatment
5. Custodial, Educational or Rehabilitative Care
6. Cosmetic surgery, unless reconstructive surgery is directly related to a covered Injury or Illness
7. 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
8. Individuals HIV+ at effective date
9. Charges relating to congenital conditions
10. Drugs or treatment for sexual dysfunction
11. Drugs or treatment to promote or prevent conception
12. Devices or procedures to correct sight or hearing
13. Foot care, unless related to a covered accidental Injury
14. Treatment or supplies not ordered by a Physician or not Medically
15. Organ transplants, except for Covered Transplants
16. Speech, acupuncture or sleep therapy
17. Acts of Terrorism, war, insurrection, riot or any variation thereof
18. Dental Treatment, except emergency treatment following a covered Accident, or unless Dental Rider is purchased

The following are excluded from the Optional Dental Rider:

1. Orthodontia
2. Sealants, bleaching and oral hygiene expenses exclusions.

Special Illness Exclusion:
The following conditions which manifest themselves within the first 180 days of coverage are excluded: Any condition of the breast, prostate, reproductive system, tonsils, adenoids, hemorrhoids, hernia, gallstones, kidney stones, glaucoma, cataracts, disk disease, varicose veins, all types of cysts, arthritis, and repetitive motion disorders, and any disorder or disease of the skin.

The exclusions listed here are a summary of the plan exclusions/ limitations and are for informational purposes only. Please refer to the certificate of insurance for a full list of plan exclusions and limitations.