|
Inbound USA - Visitor Insurance USA
Non-US citizens. 5 days-1 year.
|
|
Effective March 15, 2007
The United States offers the most comprehensive medical care available, but is often complicated as well as very expensive. For the visitor to the United States or the recent immigrant, finding a program that is easy to understand and reasonably priced is often difficult.
As a solution, Inbound USA was developed to provide a simple program to visitors and immigrants.
This is a brief description of the Inbound USA program. Detailed wording is outlined in the Program Summary, which will be mailed to you once you have enrolled in Inbound USA.
This program is available to non-United States citizens who come to the U.S. for business, pleasure, to study, or to immigrate. The program must become effective within 12 months of arrival in the United States.
You may initially enroll
into Inbound USA for as little as 5 days and up to a maximum of 12 months.
Total period of coverage
for Inbound USA cannot exceed 12 months (in order to reapply after the 12
months, you must first return to your home country).
Paper Application:
If you initially purchase at least
3 months, you may continue to renew coverage for a minimum 3 months at a time,
at the premium rate in force at the time of renewal.
Online Application:
You can renew for as little as 5 days at a time.
Effective Date - Your coverage will begin on the latest of the following:
- Your departure from your Home Country; or
- The date your Application and premium are received by Seven Corners; or
- The date your Application and premium are accepted by Seven Corners; or
- The date you request on the Application.
Expiration Date - Your coverage will end on the earlier of the following:
- The date shown on the Insurance Confirmation Card, for which premium has been paid; or
- The date you return to your Home Country; or
- 12 months after your original Effective Date; or
- The day an insured becomes a U.S. citizen or is considered a U.S. resident by the state where they are residing; or
- The date of entry into active military service.
Upon each renewal, the rates, benefits, and program in general are subject to change.
Paper Application:
If Inbound USA is initially
purchased for at least three months, one month before the expiration date, Seven Corners
will send a renewal notice to the Address of Correspondence listed on the
application. Coverage may then be renewed for a period of time, depending upon
your specific need. If you renew the coverage for 3 or more months (up to 12
months in total), Seven Corners will continue to send renewal notices to you. If you
renew the coverage for only 1 or 2 months, Seven Corners will assume that you no longer
require the coverage and will not send another renewal notice. Again, total
period of coverage for Inbound USA cannot exceed 12 months.
Online Application:
If you initially apply online on this web site and provide your email address, you can
renew for as little as 5 days at a time. Before the insurance expires, you will
receive a renewal notice in the email. You will have the option to
renew in whatever increment you choose (Minimum 5 day purchase).
If you renew for at least 3 months,
you will also receive paper renewal notice in the mail.
Please note that every time you renew, insurance company will charge $5
administrative fee. Therefore, it is advisable not to renew in a lot of
small durations if you need coverage for a longer period.
When your covered Injury or Sickness requires treatment by a physician, this program will provide benefits for the Usual and Customary (U&C) charges scheduled below which exceed the chosen Per Person Deductible ($0, $50 or $100, or a $200 deductible for age 70 and over) for each Injury and each Sickness and which are incurred within the 26 weeks following the Injury or Sickness. Payment for any covered service will be no more than the Benefit Maximum shown. The maximum amount payable for all benefits will be no more than $50,000, $75,000, $100,000 or $130,000 for each Injury and each Sickness.
For persons age 70 and over, the maximum benefit limit is $50,000 or $70,000 for each injury or sickness. The period in which covered expenses must be incurred is 26 weeks following the Injury or Sickness, and a separate schedule applies.
Age 14 days to Age 69 years old
Age 14
days to Age 69
|
Plan A
|
Plan B
|
Plan C
|
Plan D
|
INPATIENT
|
$50,000 Max per Injury/Sickness
|
$75,000 Max per Injury/Sickness
|
$100,000 Max per Injury/Sickness
|
$130,000 Max per Injury/Sickness
|
|
Hospital Room &
Board including miscellaneous
|
Up to $1400/day, 30
day max
|
Up to $1675/day, 30
day max
|
Up to $1950/day, 30
day max
|
Up to $2535/day, 30
day max
|
|
Hospital Intensive
Care Unit
|
Additional
$660/day, 8 day max
|
Additional
$755/day, 8 day max
|
Additional
$850/day, 8 day max
|
Additional
$1105/day, 8 day max
|
|
Surgical Treatment
|
Up to $3300
|
Up to $4400
|
Up to $5500
|
Up to $7150
|
|
Anesthetist
|
Up to $825
|
Up to $1100
|
Up to $1375
|
Up to $1775
|
|
Assistant Surgeon
|
Up to $825
|
Up to $1100
|
Up to $1375
|
Up to $1775
|
|
Physician’s
Non-Surgical Visits
|
Up to $55/visit,
1/day, 30 visits max
|
Up to $70/visit,
1/day, 30 visits max
|
Up to $85/visit,
1/day, 30 visits max
|
Up to $110/visit,
1/day, 30 visits max
|
|
A Consulting
Physician, when requested by attending Physician
|
Up to $450
|
Up to $475
|
Up to $500
|
Up to $650
|
|
Private Duty Nurse
|
Up to $550
|
Up to $550
|
Up to $550
|
Up to $700
|
|
Pre-Admission Tests
w/in 7 days before Hospital admission
|
Up to $1100
|
Up to $1100
|
Up to $1100
|
Up to $1450
|
OUTPATIENT
|
|
|
|
|
|
Surgical Treatment
|
Up to $3300
|
Up to $4400
|
Up to $5500
|
Up to $7150
|
|
Anesthetist
|
Up to $825
|
Up to $1100
|
Up to $1375
|
Up to $1775
|
|
Assistant Surgeon
|
Up to $825
|
Up to $1100
|
Up to $1375
|
Up to $1775
|
|
Physician’s
Non-Surgical / Urgent Care Visits
|
Up to $55/visit,
1/day, 10 visits max
|
Up to $70/visit,
1/day, 10 visits max
|
Up to $85/visit,
1/day, 10 visits max
|
Up to $110/visit,
1/day, 10 visits max
|
|
Diagnostic X-rays
& Lab Services
|
Up to $450 -
Additional $250 - One Cat scan, PET scan or MRI
|
Up to $475 –
additional $375 – One Cat scan PET or MRI
|
Up to $500 -
Additional $500 - One Cat scan, PET scan or MRI
|
Up to $650 -
Additional $600 - One Cat scan, PET scan or MRI
|
|
Hospital Emergency
Room (all expenses incurred therein)
|
75% of U&C to a
maximum of $330
|
75% of U&C to a
maximum of $440
|
75% of U&C to a
maximum of $550
|
75% of U&C to a
maximum of $700
|
|
Prescription Drugs
|
Up to $100
|
Up to $125
|
Up to $150
|
Up to $200
|
|
Outpatient Surgical
Facility
|
Up to $1000
|
Up to $1050
|
Up to $1100
|
Up to $1400
|
|
|
|
|
|
|
OTHER
TREATMENT AND SERVICES
|
|
|
|
|
|
Ambulance Services
|
Up to $450
|
Up to $450
|
Up to $450
|
Up to $450
|
|
Initial Orthopedic
Prosthesis/brace
|
Up to $1100
|
Up to $1200
|
Up to $1300
|
Up to $1700
|
|
Chemotherapy and/or
radiation therapy
|
Up to $1100
|
Up to $1225
|
Up to $1350
|
Up to $1750
|
|
Dental Treatment
for Injury to Sound, Natural Teeth
|
Up to $550
|
Up to $550
|
Up to $550
|
Up to $550
|
|
Mental &
Nervous Disorder & Substance Abuse
|
Same as any
Sickness
|
Same as any
Sickness
|
Same as any
Sickness
|
Same as any
Sickness
|
|
Physiotherapy
|
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
|
|
Emergency
Evacuation
|
$50,000
|
$50,000
|
$50,000
|
$50,000
|
|
Repatriation of
Remains
|
$7,500
|
$7,500
|
$7,500
|
$7,500
|
|
AD&D Principal
Sum
|
$25,000 Common
Carrier
|
$25,000 Common
Carrier
|
$25,000 Common
Carrier
|
$25,000 Common
Carrier
|
If an insured person turn 70 years old during the purchased coverage period, the 70 and over benefit schedule becomes effective upon the day the insured turns 70. Individuals with the $100,000 or $130,000 per injury or sickness policy maximum will receive the $70,000 per injury or sickness schedule for age 70 and older. Individuals with the $75,000 or $50,000 per injury or sickness policy maximum will receive the $50,000 per injury or sickness schedule for age 70 and older.
COVERED SERVICES INJURY AND SICKNESS BENEFIT MAXIMUMS
Age 70 to Age 99
Age 70
to Age 99
|
Plan J
|
Plan K
|
INPATIENT
|
$50,000 Max per Injury/Sickness
|
$70,000 Max per Injury/Sickness
|
|
Hospital Room &
Board including miscellaneous
|
Up to $1050/day, 30
day max
|
Up to $1470/day, 30
day max
|
|
Hospital Intensive
Care Unit
|
Additional
$460/day, 8 day max
|
Additional
$640/day, 8 day max
|
|
Surgical Treatment
|
Up to $2750
|
Up to $3850
|
|
Anesthetist
|
Up to $685
|
Up to $960
|
|
Assistant Surgeon
|
Up to $685
|
Up to $960
|
|
Physician’s
Non-Surgical Visits
|
Up to $55/visit,
1/day, 30 visits max
|
Up to $75/visit,
1/day, 30 visits max
|
|
A Consulting
Physician, when requested by attending Physician
|
Up to $400
|
Up to $560
|
|
Private Duty Nurse
|
Up to $450
|
Up to $450
|
|
Pre-Admission Tests
w/in 7 days before Hospital admission
|
Up to $775
|
Up to $1085
|
OUTPATIENT
|
|
|
|
Surgical Treatment
|
Up to $2750
|
Up to $3850
|
|
Anesthetist
|
Up to $685
|
Up to $960
|
|
Assistant Surgeon
|
| |
Printer Friendly