Voyager Choice

Who is eligible for coverage?

 Covered Persons are the only people qualified to be covered by this Certificate. The following section describes who qualifies as an Eligible Participant or Eligible Dependent, as well as information on when and who to enroll and when coverage begins and ends.

Who is Eligible to Enroll Under This Certificate?

Eligible Participant
An Eligible Participant means:
1. A member of the Global Citizens Association (GCA) covered under this Certificate;
2. Has submitted an enrollment form, if applicable, and the premium to the Insurer;
3. Meets the eligibility requirements as stated in this Certificate of Coverage;

Eligible Dependents
An Eligible Dependent means a person who is the Eligible Participant’s:

1. spouse; civil union partner, or domestic partner;

 2. natural child, stepchild or legally adopted child who has not yet reached age 26;

 3. own or spouse’s, civil union partner’s or domestic partner’s own 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;

 4. For a person who becomes an Eligible Dependent (as described below) after the date the Eligible Participant’s coverage begins, coverage for the Eligible Dependent will become effective in accordance with the following provisions:

a. Newborn Children: Coverage will be automatic for the first 31 days following the birth of an Insured Participant’s Newborn Child. To continue coverage beyond 31 days, the Newborn child must be enrolled within 31 days of birth.
b. Adopted Children: An Insured Participant’s adopted child is automatically covered for Illness or Injury for 31 days from either date of placement of the child in the home, or the date of the final decree of adoption, whichever is earlier. To continue coverage beyond 31 days, an Insured Participant must enroll the adopted child within 31 days either from the date of placement or the final decree of adoption.
c. Court Ordered Coverage for a Dependent: If a court has ordered an Insured Participant to provide coverage for an Eligible Dependent who is a spouse, civil union partner, domestic partner or minor child, coverage will be automatic for the first 31 days following the date which the court order is issued. To continue coverage beyond 31 days, an Insured Participant must enroll the Eligible Dependent within that 31 day period;

5. grandchild, niece or nephew who otherwise qualifies as a dependent child.

The term “primary care” means that the Insured Participant provides food, clothing and shelter on a regular and continuous basis.

A person may not be an Insured Dependent for more than one Insured Participant.

Additional Requirements for an Eligible Participant and Eligible Dependents: An Eligible Participant or an Eligible Dependent must meet the following requirements:
1. Home Country is the U.S.; and
2. under Age 96; and
3. Enrolled in a Primary Plan;
4. For children under age 6, must be enrolled with a parent, aunt, uncle or grandparent; and
5. Initial purchase must be made in Home Country prior to departing on trip.

A Primary Plan is a Group Health Benefit Plan, an individual health benefit plan, a student health insurance plan, a health insurance plan issued by your employer or certain governmental health plan (including Medicare Supplements and Medicare Advantage plans) designed to be the first payor of claims for a Covered Person prior to the responsibility of this Plan. Medicaid, state run Medicaid programs, Veterans Administration health benefit plans, travel insurance plan, short term limited duration insurance plans, accident only insurance plans, are not considered a primary plan under this Certificate of Coverage.