Inbound Guest Plan Description
Disclaimer: Please note that Non-admitted carriers are usually referred to as "surplus" or "excess lines insurers". Non-admitted carriers are not regulated and do not contribute to the State Guaranty Fund, which protects policyholders from the bankruptcy of its insurance carrier. Non-Admitted Carriers are not regulated by state insurance authority, you cannot seek any recourse from Non-Admitted Carriers for unpaid claims.
If you are planning a trip to the United States for yourself or your family members, you need a quality medical insurance plan. Health care in the United States can be expensive and complicated. Inbound Guest provides a variety of affordable and easy-to-understand options, so you can choose the coverage you need. Inbound® Guest is underwritten by Certain Underwriters at Lloyd’s of London and is rated “A” (Excellent) by A.M. Best. In addition to being one of the largest insurance entities in the world, Lloyd’s has over 300 years of experience in the international insurance business. As your plan administrator, Seven Corners* handles your insurance needs from start to finish, processing your purchase, providing all documents, and handling any claims. In addition, our 24/7 in-house travel assistance team, Seven Corners Assist, will help with your emergency and travel needs. Since 1993, we have provided travel insurance to worldwide travelers, and we are here to help. Contact details for Seven Corners Assist is shown on your ID card. |
Inbound Guest Plan Features:
This plan is designed for:
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Inbound Guest Plan Description
PLAN INFORMATION
Important Benefit Highlights
MEDICAL BENEFITS - If your covered injury or sickness requires medical treatment, we will pay the coverage amounts in the schedule of benefits, minus your chosen per person deductible. Please note that treatment for your injury or sickness must be received within 182 days of your injury or sickness.
INTERNATIONAL TRAVEL COVERAGE - If you purchase at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days. This benefit does not include travel back to your home country, and it does not extend after your current expiration date.
EMERGENCY MEDICAL EVACUATION* - We will pay for an emergency medical evacuation, if your medical condition requires immediate transportation from your current medical facility to the closest facility with appropriate care. This benefit must be ordered by Seven Corners Assist in consultation with your attending Physician. *
RETURN OF MORTAL REMAINS/LOCAL CREMATION OR BURIAL* We will pay to return your remains to your home country or pay for local burial/cremation at the place of death
INTERNATIONAL TRAVEL COVERAGE - If you purchase at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days. This benefit does not include travel back to your home country, and it does not extend after your current expiration date.
EMERGENCY MEDICAL EVACUATION* - We will pay for an emergency medical evacuation, if your medical condition requires immediate transportation from your current medical facility to the closest facility with appropriate care. This benefit must be ordered by Seven Corners Assist in consultation with your attending Physician. *
RETURN OF MORTAL REMAINS/LOCAL CREMATION OR BURIAL* We will pay to return your remains to your home country or pay for local burial/cremation at the place of death
Schedule of benefits
Benefit payments are subject to the limits shown below.
Age 14 Days To Age 69 Plan A |
Age 14 Days To Age 69 Plan B |
Age 14 Days To Age 69 Plan C |
Age 14 Days To Age 69 Plan D |
Age 14 Days To Age 69 Plan E |
Age 70 to Age 99 Plan J |
Age 70 to Age 99 Plan K |
Age 70 to Age 99 Plan L |
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max per injury or sickness → | $25,000 | $45,000 | $65,000 | $85,000 | $120,000 | $40,000 | $60,000 | $100,000 |
Inpatient | ||||||||
Hospital Room & Board Including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous | Up to $910/day, 30 day max |
Up to $1,260/day, 30 day max |
Up to $1,565/day, 30 day max |
Up to $1,725/day, 30 day max |
Up to $2,340/day, 30 day max |
Up to $870/day, 30 day max |
Up to $1,260/day, 30 day max |
Up to $2,050/day, 30 day max |
Hospital Intensive Care Unit | Add’l $430/day, 8 day max | Add’l $595/day, 8 day max | Add’l $720/day, 8 day max | Add’l $790/day, 8 day max | Add’l $1020/day, 8 day max | Additional $380/day, 8 day max | Additional $550/day, 8 day max | Additional $900/day, 8 day max |
Surgical Treatment | Up to $2,150 | Up to $2,970 | Up to $3,960 | Up to $4,840 | Up to $6,600 | Up to $2,285 | Up to $3,300 | Up to $5,365 |
Anesthetist | Up to $500 | Up to $740 | Up to $990 | Up to $1,210 | Up to $1,650 | Up to $570 | Up to $825 | Up to $1,340 |
Assistant Surgeon | Up to $500 | Up to $740 | Up to $990 | Up to $1,210 | Up to $1,650 | Up to $570 | Up to $825 | Up to $1,340 |
Physician’s Non-Surgical Visits | Up to $40/visit, 1/day, 30 visits max | Up to $60/visit, 1/day, 30 visits max | Up to $65/visit,1/day, 30 visits max | Up to $75/visit, 1/day, 30 visits max | Up to $100/visit, 1/day, 30 visits max | Up to $45/visit, 1/day, 30 visits max | Up to $65/visit, 1/day, 30 visits max | Up to $100/visit, 1/day, 30 visits max |
A Consulting Physician, when requested by attending physician | Up to $350 | Up to $405 | Up to $465 | Up to $485 | Up to $600 | Up to $330 | Up to $480 | Up to $780 |
Private Duty Nurse | Up to $400 | Up to $495 | Up to $550 | Up to $550 | Up to $660 | Up to $375 | Up to $450 | Up to $880 |
Pre-Admission Tests within 7 days before hospital admission | Up to $750 | Up to $990 | Up to $1,100 | Up to $1,100 | Up to $1,100 | Up to $775 | Up to $775 | Up to $1,500 |
Outpatient | ||||||||
Surgical Treatment | Up to $2,150 | Up to $2,970 | Up to $3,960 | Up to $4,840 | Up to $6,600 | Up to $2,285 | Up to $3,300 | Up to $5,365 |
Anesthetist | Up to $500 | Up to $740 | Up to $990 | Up to $1,210 | Up to $1,650 | Up to $570 | Up to $825 | Up to $1,340 |
Assistant Surgeon | Up to $500 | Up to $740 | Up to $990 | Up to $1,210 | Up to $1,650 | Up to $570 | Up to $825 | Up to $1,340 |
Physician’s Non-Surgical/
Urgent Care Visits |
Up to $50/visit, 1/day, 10 visits max | Up to $60/visit, 1/day, 10 visits max | Up to $65/visit, 1/day, 10 visits max | Up to $75/visit, 1/day, 10 visits max | Up to $100/visit, 1/day, 10 visits max | Up to $45/visit, 1/day, 10 visits max | Up to $65/visit, 1/day, 10 visits max | Up to $100/visit, 1/day, 10 visits max |
Diagnostic X-rays & Lab Services | Up to $295 - Additional $250- One CAT scan, PET scan or MRI | Up to $405 - Additional $250 - One CAT scan, PET scan or MRI | Up to $465 – additional $375 - One CAT scan, PET scan or MRI | Up to $485 - Additional $500 - One CAT scan, PET scan or MRI | Up to $600 - Additional $500 - One CAT scan, PET scan or MRI | Up to $330 - Additional $250
- One CAT scan, PET scan or MRI |
Up to $480 – additional $300
- One CAT scan, PET scan or MRI |
Up to $780 – additional $300
- One CAT scan, PET scan or MRI |
Hospital Emergency Room (all expenses incurred therein) | Up to $215 | Up to $295 | Up to $395 | Up to $465 | Up to $660 | Up to $208 | Up to $300 | Up to $480 |
Prescription Drugs (per period of coverage) |
Up to $150 | Up to $250 | Up to $125 | Up to $135 | Up to $180 | Up to $250 | Up to $250 | Up to $250 |
Outpatient Surgical Facility | Up to $750 | Up to $900 | Up to $1,030 | Up to $1,070 | Up to $1,320 | Up to $705 | Up to $1,020 | Up to $1,660 |
Other | ||||||||
Ambulance Services | Up to $295 | Up to $450 | Up to $450 | Up to $475 | Up to $475 | Up to $450 | Up to $450 | Up to $880 |
Initial Orthopedic Prosthesis/brace | Up to $715 | Up to $990 | Up to $1,160 | Up to $1,240 | Up to $1,560 | Up to $705 | Up to $1,020 | Up to $1,660 |
Chemotherapy and/or radiation therapy | Up to $715 | Up to $990 | Up to $1,175 | Up to $1,275 | Up to $1,620 | Up to $705 | Up to $1,020 | Up to $1,660 |
Dental Treatment for Injury to Sound, Natural Teeth | Up to $360 | Up to $550 | Up to $550 | Up to $550 | Up to $550 | Up to $550 | Up to $550 | Up to $1,075 |
Mental & Nervous Disorder & Substance Abuse | Same as any Sickness | Same as any Sickness | Same as any Sickness | Same as any Sickness | Same as any Sickness | Same as any Sickness | Same as any Sickness | Same as any Sickness |
Physiotherapy | Up to $30/visit, 1/day, 12 visits max | Up to $40/visit, 1/day, 12 visits max | Up to $40/visit, 1/day, 12 visits max | Up to $40/visit, 1/day, 12 visits max | Up to $40/visit, 1/day, 12 visits max | Up to $40/visit, 1/day, 12 visits | Up to $40/visit, 1/day, 12 visits | Up to $80/visit, 1/day, 12 visits |
Extended Care Facility | Covered under the Hospital Room & Board benefit | Covered under the Hospital Room & Board benefit | Covered under the Hospital Room & Board benefit | Covered under the Hospital Room & Board benefit | Covered under the Hospital Room & Board benefit | Covered under the Hospital Room & Board benefit | Covered under the Hospital Room & Board benefit | Covered under the Hospital Room & Board benefit |
Acute Onset of Pre-existing Condition(s) | $25,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation. | $45,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation. | $65,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation. | $85,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation. | $120,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation. | N/A | N/A | N/A |
Emergency Evacuation | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
Return of Remains/ Local Cremation and Burial |
$25,000/$5,000 | $25,000/$5,000 | $25,000/$5,000 | $25,000/$5,000 | $25,000/$5,000 | $25,000/$5,000 | $25,000/$5,000 | $25,000/$5,000 |
AD&D Principal Sum | $25,000 Common Carrier | $25,000 Common Carrier | $25,000 Common Carrier | $25,000 Common Carrier | $25,000 Common Carrier | $25,000 Common Carrier | $25,000 Common Carrier | $25,000 Common Carrier |
If you turn 70 years old during your coverage period, the 70-99 benefit schedule becomes effective on the day you turn 70. If you have the $25,000 or $45,000 per injury or sickness plan maximum, you will receive the $40,000 per injury or sickness schedule for age 70-99. If you have the $65,000 or $85,000 per injury or sickness plan maximum, you will receive the $60,000 per injury or sickness schedule for age 70-99. If you have the $120,000 per injury or sickness plan maximum, you will receive the $100,000 per injury or sickness schedule for age 70-99.
Pre-existing conditions | acute onset
Pre-Existing Conditions
Pre-existing conditions are defined in detail in the plan document. A brief summary is shown here.
Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder that existed with reasonable medical certainty during the 180 days before your coverage on Inbound Choice began, whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed.
This includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 180 days before the effective date.
Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder that existed with reasonable medical certainty during the 180 days before your coverage on Inbound Choice began, whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed.
This includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 180 days before the effective date.
Acute Onset
Non U.S. Citizens traveling in the United States
We pay up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is chronic, congenital or gradually worsens over time is not covered.
We pay up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is chronic, congenital or gradually worsens over time is not covered.
ACCIDENTAL DEATH & DISMEMBERMENT
This benefit pays up to $25,000 for accidents occurring while you are riding as a passenger in or on any land, water or air conveyance transporting passengers for hire. Your loss must occur within 365 days after the accident date. A description of the covered losses is shown below:
For Loss Of: |
Indemnity |
Life |
Principal Sum |
Both Hands or Both Feet or Sight of Both Eyes |
Principal Sum |
One Hand and One Foot |
Principal Sum |
Either Hand or Foot and Sight of One Eye |
Principal Sum |
Either Hand or Foot |
One-Half the Principal Sum |
Sight of One Eye |
One-Half the Principal Sum |
Outpatient benefits
Medical Service |
Benefit Amount | $50,000 |
Surgical Treatment |
Up to $2,100 |
Anesthetist |
Up to $500 |
Assistant Surgeon |
Up to $500 |
Physician’s Non-Surgical /Urgent Care Visits |
Up to $60/visit, 1/day, 10 visits |
Diagnostic X-rays & Lab Services |
Up to $250; Additional $325 - One CAT scan, PET scan or MRI |
Hospital Emergency Room |
Up to $200 max |
Prescription Drugs |
Up to $250 Per Coverage Period |
Outpatient Surgical Facility |
Up to $600 |
Medical Service |
Benefit Amount | $75,000 |
Surgical Treatment |
Up to $4,800 |
Anesthetist |
Up to $750 |
Assistant Surgeon |
Up to $750 |
Physician’s Non-Surgical /Urgent Care Visits |
Up to $75/visit, 1/day, 10 visits |
Diagnostic X-rays & Lab Services |
Up to $375; Additional $325 - One CAT scan, PET scan or MRI |
Hospital Emergency Room |
Up to $500 max |
Prescription Drugs |
Up to $250 Per Coverage Period |
Outpatient Surgical Facility |
Up to $900 |
Medical Service |
Benefit Amount | $100,000 |
Surgical Treatment |
Up to $5,800 |
Anesthetist |
Up to $1,000 |
Assistant Surgeon |
Up to $1,000 |
Physician’s Non-Surgical /Urgent Care Visits |
Up to $90/visit, 1/day, 10 visits |
Diagnostic X-rays & Lab Services |
Up to $500; Additional $975 - One CAT scan, PET scan or MRI |
Hospital Emergency Room |
Up to $575 max |
Prescription Drugs |
Up to $250 Per Coverage Period |
Outpatient Surgical Facility |
Up to $1,200 |
Medical Service |
Benefit Amount | $130,000 |
Surgical Treatment |
Up to $7,200 |
Anesthetist |
Up to $1,650 |
Assistant Surgeon |
Up to $1,650 |
Physician’s Non-Surgical /Urgent Care Visits |
Up to $115/visit, 1/day, 10 visits |
Diagnostic X-rays & Lab Services |
Up to $575; Additional $975 - One CAT scan, PET scan or MRI |
Hospital Emergency Room |
Up to $750 max |
Prescription Drugs |
Up to $250 Per Coverage Period |
Outpatient Surgical Facility |
Up to $1,400 |
Miscellaneous Information
Exclusions
The list below is a summary of the exclusions in your plan document. A complete description of the provisions, benefits, and exclusions are contained in the plan document which you may view online. You will receive this document when your coverage is issued. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail.
Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either:
for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s). ii) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. iii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. iv) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals. Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
Refund of premium
We realize there is uncertainty in international travel. Refund of total plan cost will be considered only if a written request is received by Seven Corners prior to your effective date of coverage. If the request is received after your effective date, the unused portion of the plan cost may be refunded minus a cancellation fee, provided you have not submitted a claim. |
Important information
Please be aware that this is not a general health insurance plan, but an interim program intended for temporary use. Inbound® Choice does not guarantee payment to a facility or individual for medical expenses until we determine it is an eligible expense. Medical Providers - When seeking medical care, you may see any provider of your choice. You may visit sevencorners.com for help locating providers in the United States. |
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