Inbound Hospital Insurance

Plan Summary

Inbound® Hospital Insurance was developed to provide a simple program to visitors and immigrants, Inbound Hospital Insurance is an Inpatient Hospital Expense plan. While the United States offers comprehensive medical care, it is complicated and very expensive for the visitor or new immigrant to the US. Inbound Hospital Insurance is designed for this community.

Policy Maximum	Inbound Hospital Insurance plan offers benefit maximums of US$50,000 or US$100,000 for policy period ($50,000 maximum for Age 70 and over).
Deductible	US$75 , US$150 or US$250 deductible per sickness/injury .
Co-insurance	Plan will pay 100% of the covered amount.
Eligibility	Inbound Hospital Insurance is offered 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.
Pre-Existing Condition Coverage	- For Age 14 days to Age 69, Up to $5,000 in coverage for Myocardial Infarction (heart attack) or Stroke and for Age 70 and over, Up to $3,000 in coverage for Myocardial Infarction (heart attack) or Stroke. Should an insured person turn 70 during the purchased coverage period, the 70 and over benefit schedule becomes effective upon the day the insured turns 70.
Coverage	- Hospital Room and Board - Hospital intensive care unit charges - Physician visits, surgeon, Private duty nurse fee	- Pre-admission tests - Diagnostics: X-Rays - Hospital emergency room - Prescription Drugs
Buy - Online	Apply & purchase online Inbound Hospital Insurance
Brochure	Complete, mail/fax the Inbound Hospital Insurance Brochure along with payment

Why you need Inbound Hospital Insurance?

While the United States offers the most comprehensive medical care available, it 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, InboundHospital was developed to provide a simple program to visitors and immigrants.

This is a brief description of the Inbound Hospital program. Detailed wording is outlined in the Program Summary, which will be mailed to you once you have enrolled into Inbound Hospital.

Eligibility for Inbound Hospital Insurance

Persons who are non-US citizens, over the age of 14 days who are traveling to the United States for business, pleasure, to study or to immigrate, have arrived in the United States within the 12 months preceding the proposed Effective Date of the program, who have paid premium as outlined in the enrollment application, and who have completed the enrollment form in complete detail are eligible for Inbound Hospital. The Company maintains its right to investigate to verify that the eligibility requirements have been met. If and whenever the Company discovers that the eligibility requirements have not been met, its only obligation is refund of premium.

For the purposes of this program, persons between the ages of 14 days through 69 years are considered one class of Insured Person, and persons age 70 and over are considered another class of Insured Person.

The eligibility date for Dependent Child(ren) of a Named Insured (as defined) shall be determined in accordance with the following: (1) If a Named Insured has Dependent Child(ren) on the date he or she is eligible for insurance; or (2) If a Named Insured acquires Dependent Child(ren) after the Effective date, such Dependent Child(ren) becomes eligible on the date the Insured acquires a Dependent Child who is within the limits of a dependent. Dependent Child(ren) eligibility expires concurrently with that of the Named Insured.

Effective Date of Inbound Hospital Insurance

Effective Date under the program shall become effective at 12:01 AM on the latest of the following dates:

The Insured Person's departure from his home country; or
The date the application and premium are received by the Administrator; or
The date the application and premium are accepted by the Administrator; or
The date requested on the application.

Dependent Child(ren) coverage will not be effective prior to that of the Named Insured.

Expiration Date of Inbound Hospital Insurance

The coverage provided with respect to the Named Insured shall terminate on the earliest of the following dates:

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.
The date the master policy terminates (unless the Company agrees, in writing, to permit coverage to continue to the end of the period for which premiums have been paid in lieu of a return of unearned premiums);
In addition, for Dependent Child(ren), coverage expires the date the Named Insured(s) coverage expires or the date they cease to be considered a Dependent Child.

Inbound Hospital Insurance - Schedule of Benefits

WWhen your covered Injury or Sickness requires overnight, Inpatient treatment in a Hospital, this program will provide benefits for the Usual and Customary (U&C) charges scheduled below which exceed the chosen Per Person Deductible (either $75 or $150, or a $250 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 or $100,000 (depending upon program purchased and availability) for each Injury and each Sickness.

For persons age 70 and over, the maximum benefit limit is $50,000, the period in which covered expenses must be incurred is 26 weeks following the Injury or Sickness, and a separate schedule applies.

Inbound hospital covered services Injury and Sickness Benefit Maximums

	Plan A	Plan B	Age 70 and Over
Inpatient	$50,000 Max per Injury/Sickness	$100,000 Max per Injury/Sickness	$50,000 Max per Injury/Sickness
Hospital Room & Board including other expenses relating to an overnight hospital admission	Up to $2000/day, 30 day max	Up to $2500 per day, 30 day max	Up to $1450/day, 30 day max
Hospital Intensive Care Unit	Additional $525/day, 8 day max	Additional $750/day, 8 day max	Additional $425/day, 8 day max
Emergency Evacuation	$10,000	$10,000	$10,000
Repatriation of Remains	$7,500	$7,500	$7,500
AD&D Principal Sum	$25,000 Common Carrier	$25,000 Common Carrier	$25,000 Common Carrier
Should an Insured Person turn 70 during the purchased coverage period, the 70 and over benefit schedule becomes effective upon the day the Insured Person turns 70.

	Age 14 days to Age 69	Age 14 days to Age 69	Age 70 and over
PRE-EXISTING CONDITIONS(the above maximum schedule still applies)	Up to $5,000 in coverage for Myocardial Infarction (heart attack) or Stroke	Up to $5,000 in coverage for Myocardial Infarction (heart attack) or Stroke	Up to $3,000 in coverage for Myocardial Infarction (heart attack) or Stroke

Should an insured person turn 70 during the purchased coverage period, the 70 and over benefit schedule becomes effective upon the day the insured turns 70.

Emergency Evacuation

The Company shall pay benefits for Covered Expenses incurred up to $10,000, if any covered Injury or Illness commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person. The Emergency Medical Evacuation or Repatriation must be ordered by the Assistance Company in consultation with the Insured Person's local attending Physician.

Emergency Medical Evacuation or Repatriation means: a) the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is located to the nearest adequate medical facility where medical treatment can be obtained; or b) after being treated at a local medical facility as a result of a Emergency Medical Evacuation, the Insured Person's medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route and be performed by the Administrator.

Repatriation of Remains

The Company will pay the reasonable Covered Expenses incurred up to $7,500 to return the Insured Person's remains to his/her Home Country, if he or she dies. Covered Expenses include, but are not limited to, expenses for embalming, [a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations.] All transportation arrangements must be performed by the Administrator.

Common Carrier Accidental Death and Dismemberment (AD&D)

Accidental Death and Dismemberment shall apply to covered accidents sustained by an insured person while riding as a passenger in or on any land, water or air conveyance operated under a license for the transportation of passengers for hire. A loss must occur within 365 days after the date of accident causing the loss:

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

* NOTE: In the event of an Emergency Medical Evacuation or Repatriation of Mortal Remains benefit is needed or utilized, arrangements must be made by the Assistance Service Provider.

Inbound Hospital Insurance - Definitions

The term "Injury" shall mean bodily Injury listed in the most recent edition of the International Classification of Diseases and caused solely and directly by Accidental, external, and visible means occurring while this Certificate is in force and resulting directly and independently of all other causes resulting in a Covered Event under this Program.

The term "Sickness" shall mean Illness or Disease of any kind listed in the most recent edition of the International Classification of Diseases. All related conditions and recurrent symptoms of the same or a similar condition will be considered one Sickness.

The term "Pre-Existing Condition" shall mean

1) A condition that would have caused a person to seek medical advice, diagnosis, care or Treatment within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this program;
2) A condition for which medical advice, diagnosis, care or Treatment, including Medication, was sought, recommended or received within the 6 months (or 12 months for persons age 70 and older) prior to the Individual Effective Date of Coverage under this program
; 3) the symptoms which occurred within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of the Coverage under this Certificate would have allowed a person trained in medicine to make a diagnosis of the condition producing the symptoms:
4) a condition which manifested within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this Certificate; Should the Insured Person suffer a Myocardial Infarction or Stroke during the Period of Coverage and it is determined to be a "Pre-Existing Condition", coverage for those expenses will be covered up to the Pre-Existing Condition Benefit maximum, according to the Schedule of Benefits.

Inbound Hospital Insurance - Exclusions

No benefits will be paid for loss or expense caused by, contributed to, or resulting from:

Pre-existing Conditions;
Any expenses incurred when travel was undertaken soley for the purpose obtaining medical treatment or while traveling against the advise of a Physician;
Expense incurred within the Insured Person's Home Country or country of regular domicile;
Routine physicals, inoculations, or other examinations where there are no objective indications of impairment of normal health, or well baby care, new-born baby care; well-baby nursery and related Physician charges;
Prescriptions or fitting of eyeglasses and contact lenses; eye examinations; or other treatment for visual defects and problems. "Visual defects: means any physical defect of the eye which does or can impair normal vision;
Hearing examinations or hearing aids; or other treatment for hearing defects and problems. "Hearing defects: means any physical defect of the ear which does or can impair normal hearing;
Dental treatment, except as the result of injury to sound, natural teeth;
Services or supplies performed or provided by a Member of the Insured Person's family, or anyone who lives with the Insured Person;
Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
Weak, strained or flat feet, corns, calluses, or toenails;
Cosmetic surgery, or treatment for congenital anomalies (except as specifically provided), except reconstructive surgery as the result of a covered Injury or Sickness. Correction of a deviated nasal septum is considered cosmetic surgery unless it results from a covered Injury or covered Sickness;
Elective Surgery and Elective Treatment;
Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth;
Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics;
Organ transplants;
Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war;
Participation in a riot or civil disorder, commission of or attempt to commit a felony in the country in which it was attempted or committed;
Suicide or attempted suicide (including drug overdose), while sane or insane (while sane in Missouri), or intentionally self-inflected Injury;
Expenses of an institution, health service, or infirmary for whose service payment is not required in the absence of insurance;
Treatment of nervous or mental disorders, except as stated in the Schedule of Benefits, or treatment of alcoholism or drug abuse, except as provided for treatment of mental or nervous disorders, according to the Schedule of Benefits;
Loss incurred from riding in any aircraft, other than as a passenger in an aircraft licensed for the transportation of passengers;
Treatment services, supplies or facilities in a hospital owned or operated by: a) The Veteran's Administration; or b) A national government or any of its agencies. (This exclusion does not apply to treatment when a charge is made which the Insured is required by law to pay);
Duplicate services actually provided by both a certified nurse-midwife and Physician;
Expenses incurred during a hospital emergency room visit which is not of an emergency nature;
Expenses incurred for outpatient treatment in connection with the detection or correction by manual or mechanical means of structural imbalance, distortion or sublimation in the human body for purposes of removing nerve interference and the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column;
Injury sustained while taking part in mountaineering where ropes or guides are normally used, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, snow skiing and snow boarding;
Treatment paid for or furnished under any other individual, government, or group policy; previous policy; payable under any Worker's Compensation or Occupational Disease Law or Act; or charges provided at no cost to the Insured Person;
Expense incurred after the Expiration Date for an Insured Person except as may be specifically provided;
Expenses for treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent or for Injury or Sickness due to wholly or partly to the effects of intoxicating liquor or drugs, unless prescribed by a Physician;
Sexually transmitted diseases, including AIDS;
Pregnancy expenses or Sickness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Injury; or voluntary or elective abortion;
Treatment while confined primarily to receive custodial care, educational or rehabilitative care and nursing services in a long term facility, spa, hydroclinic, weight loss clinic, sanatorium, nursing home or similar facilities;
Expenses for Speech therapy, Occupational therapy or Vocational Rehabilitation.