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Multinational Underwriters Inc (MNUI) |
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MNUI
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Multinational Underwriters, Inc., (MNUI) offer a series of international annually renewable expatriate medical insurance plans. Key Benefits
A Choice of Three PlansPLATINUM PREMIER RISK SHARE
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 your government sponsored plan, or to provide coverage while you are outside your home country. If you lifestyle knows no geographic limits, you need health insurance that knows no boundaries as well. MNUI has designed the International Citizen Series to meet you needs. Am I eligible for the International Citizen Series?The International Citizens Series is available to all countries of the world who are at least 14 days, and not older than 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, and plan to reside abroad for at least 6 months. Citizens of other countries may reside anywhere, including their country of citizenship. Is Coverage under the International Citizen Series renewable?Yes. The International Citizen Series products are annually renewable. There are no medical questions at renewal. Renewal is only subject to you continued eligibility and payment of premiums. Your renewal premium will be the same as all persons of your same 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 for the International Citizen Senior Plan, with no medical questions. What are the Plan Benefits and Premiums?Please click on the side bar for the relevant plan. How do I apply for the International Citizen Series?We have included a 'Get a Quote' button below the benefit section of all of the MNUI's plans. Please click on this and follow through the instructions. How do I file a Claim?Filing is easy. Once your application is accepted you will receive a kit which contains claim forms. Just complete the claim form, attach original, itemized bills, and forward them to MNUI. Be sure to complete your claim form, 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 a copy of your paid receipt. You will be reimbursed. In many cases, MNUI will make payment directly to the hospital or physician who treated you. Remember, you are responsible for the deductible,coinsurance, and any uncovered charges. Hospital Pre-Certification.All plans in the International Citizen Series contain hospital pre-certification provisions. Pre-certification simply means that you must contact MNUI 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-certification allows MNUI to establish contact and make payment arrangements with your providers, negotiate discounts which will benefit both you and MNUI, and allows MNUI to prearrange future care, and plan for your claim. Pre-certification helps MNUI to help you. e&oe Home | Atlas | Interglobal | Multinational | Highway Contact e-mail
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