Eligibility Requirements

All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage or;

All legal residents of the U.S.(citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they apply from an approved state or;

An employee of a U.S. company, whereby the company is domiciled in an approved state listed below and the company pays the insurance premium.

Coverage may not be available in all states

If you live in any other U.S state, please contact your agent directly or HTH at 1.888.243.2358.

Eligible Family

Family members included in the plan must be Eligible Dependents. An Eligible Dependent means a person who is the Eligible Participant's spouse age 74 or less and/or:

• unmarried natural child, stepchild or legally adopted child who has not yet reached age 19;
  
  
• own or spouse's own unmarried child, of any age, enrolled prior to age 26, who is incapable of self support due to continuing mental retardation or physical disability and who is chiefly dependent on the Eligible Participant. The Insurer requires written proof from a Physician of such disability and dependency within 31 days of the child's 26th birthday and annually thereafter.
  
  
• unmarried child, from their 19th to their 22nd birthday who is a full-time student attending an accredited college, university, vocational or technical school, and who is fully dependent upon the Eligible Participant for support. The Insurer may require proof of student status, but not more than once a Year;
  
  
• grandchild, niece or nephew who otherwise qualifies as a dependent child, if: (i) the child is under the primary care of the Insured Participant; and (ii) the legal guardian of the child, if other than the Insured Participant, is not covered by an accident or sickness policy.
  
  The term "primary care" means that the Insured Participant provides food, clothing and shelter on a regular and continuous basis during the time that public schools are in regular session.

Maternity Benefits

After 12 months of continuous coverage, Global Citizen members may renew their coverage or apply for a new plan that covers maternity costs in the same way as all other medical conditions.

To be eligible for the maternity benefit, a member must not be pregnant at the time of upgrade.