HTH GLOBAL CITIZEN AND GLOBAL NAVIGATOR FAQ

1. Will a pre-existing condition be covered?
2. Will my pre-existing condition be covered under a Global Navigator plan?
3. Will my pre-existing condition be covered under a Global Citizen plan?
4. What if I have asthma? Will I be accepted?

1. Will a pre-existing condition be covered?

   If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, HTH Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet HTH's medical underwriting criteria. HTH will also consider private health insurance issued in other countries as creditable coverage. HTH does not consider surplus lines insurance sold in the U.S. as creditable coverage.

   If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, HTH Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet HTH's medical underwriting criteria. HTH will also consider private health insurance issued in other countries as creditable coverage. HTH does not consider surplus lines insurance sold in the U.S. as creditable coverage.

2. Will my pre-existing condition be covered under a Global Navigator plan?

   If you do not have the letter of credible coverage (CCC), you will have to wait 12 months before pre-existing medical condition is covered. A Preexisting Condition is defined any disease, illness, sickness, malady or condition which was diagnosed or treated by a legally qualified physician prior to the effective date of coverage with consultation, advice or treatment by a legally qualified physician occurring within 6 months prior to the Coverage Date for the insured.

   If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, HTH Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet HTH's medical underwriting criteria. HTH will also consider private health insurance issued in other countries as creditable coverage. HTH does not consider surplus lines insurance sold in the U.S. as creditable coverage.

   The number of months of coverage shown on the Certificate will reduce or eliminate the 12 month pre-existing condition waiting period. If you have 12 or more months of creditable coverage, your waiting period will be eliminated. If you have less than 12 months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from 12 months to 10 months.

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3. Will my pre-existing condition be covered under a Global Citizen plan?

   Once approved and activated, if you were previously covered by a group or annually renewable individual U.S. health plan that issues you a Certificate of Creditable Coverage, HTH Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet HTH's medical underwriting criteria. HTH will also consider private health insurance issued in other countries as creditable coverage. HTH does not consider surplus lines insurance sold in the U.S. as creditable coverage.

   The number of months of coverage shown on the Certificate will reduce or eliminate the six month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting period will be eliminated. If you have less than six months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from six months to four months.

   If they do not have credible coverage there will be a 6 month waiting period to cover pre-existing conditions. Asthma may or may not have a rate up. It would depend the status.

4. What if I have asthma? Will I be accepted?

   It depends on the severity of your medical condition. If you are accepted then asthma may or may not have a rate up. The rate up can go as high as 40% of your monthly premium.

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