Written Summary

Executive Health Options:

Access to Quality International Care 

Under Executive Health Options (EHO) you have a choice when it comes to selecting  your medical care provider. You may seek care from medical providers in almost any country in the world.* If you are seeking medical care within the United States, you may want to consider providers in the Preferred Provider Organization (PPO).

By choosing one of the U.S preferred providers you may be able to save on your personal expenses. Applicable coinsurance will be waived when the participating PPO provider directly bills the Plan Administrator, HCC Medical Insurance Services, LLC. Or, you may consider utilizing the International PPO; participants in the International PPO have arrangements with the Plan Administrator for direct billing, which will help to ease the claims process.

* All benefits are subject to the provisions, limitations and exclusions contained in the certificate of insurance. Coverage area excludes countries restricted by US economic sanctions and embargo programs and/or other applicable trade sanction laws.

Renewable coverage

Executive Health Plan products are annually renewable. There are no medical questions at renewal. Renewal is only subject to your continued eligibility and timely payment of premiums. Your renewal premium will be based on certificate origination year, age and gender and experience of the group.

Eligibility for Executive Health Options 

The EHO plan is available to Canadians and citizens of the countries of the world who are at least14 days old and not older than age 74. Citizens of all countries except the U.S. may reside anywhere, including their country of citizenship. (If you are a U.S. citizen or a dual U.S./Canadian citizen, you must reside outside the U.S. or be departing the U.S. within 30 days of the effective date. U.S. and dual citizens must reside outside the United States for at least 6 months of each certificate period.) Coverage is subject to medical evaluation of your application, payment of premium, and citizenship and/or host country.

The Senior Plan

Eligibility for the standard Executive Health Options plan ends at age 75, but for those members who joined before age 65 and maintained coverage for at least 10 years, the Senior Plan is available with no medical questions. The Senior Plan offers many of the same benefits and limits as the standard EHO plan. The Senior Plan deductibles are $5,000, $7,500 and $10,000. On the Senior Plan the overall maximum limit is  set at $1,000,000, and the human organ transplant and emergency medical evacuation benefits are deleted.

Deductible and Coinsurance

You may choose between a range of deductible amounts from USD $250 to USD $5,000. All family members to be covered must choose the same deductible amount. Coinsurance applies to medical services received in the United States and Canada.

Preferred Provider Network (PPO)

Coinsurance will be waived for expenses incurred in the U.S. within the Executive Health Options Plan’s direct pay PPOs. Simply present your identification card at the provider’s office so they can contact the Plan Administrator to verify benefits and billing information. Our combined PPO network represents at least 4,000 critical care hospitals and over 400,000 physicians and is growing. To search for providers participating in our network, please visit Provider Search Engine. For your convenience we also offer an International Providers Network. The CMN/EA International Provider Network spans approximately 200 countries and territories worldwide with over 2000 hospitals and clinics and over 6000 physicians. To search for providers participating in our network, please visit International Provider Search Engine.

Optional Coverage

Optional Dental Coverage

Provides preventative care for children and basic and major dental benefits for children and adults.

Optional Term Life

Provides Life and Accidental Death and Dismemberment coverage. (Not available to residents of the U.S., regardless of citizenship.)

Optional Sports Rider

If your interests include contact sports, team sports such as hockey, or extreme sports such as mountaineering, skydiving or whitewater rafting, choose the Sports Rider option. It will add coverage for contact sports such as soccer or hockey up to a lifetime maximum of $5,000 and coverage up to a lifetime maximum of $25,000 for other sports activities excluded by the standard plan.  (Activities engaged in for wage, reward or profit are excluded.)