Inbound Choice Insurance

Inbound Choice is a continuous and renewable insurance plan offering medical coverage for families and individuals aged less than 70 years visiting USA.

Inbound Choice Plan benefits for travelers aged 14 days to 69 years

Age
Age 2
Start Date
End Date
Coverage
Citizenship
Inbound Choice Plan A
Maximum
$50,000
Deductible
Inbound Choice Plan B
Maximum
$75,000
Deductible
Inbound Choice Plan C
Maximum
$100,000
Deductible
Inbound Choice Plan D
Maximum
$130,000
Deductible
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Inpatient
Hospital Room & Board
Up to $1,500/day, 30 day max Up to $2,000 per day, 30 day max Up to $2,500/day, 30 day max Up to $3,000/day, 30 day max
Hospital Intensive Care Unit
Additional $500/day, 8 day max Additional $500/day, 8 day max Additional $500/day, 8 day max Additional $800/day, 8 day max
Surgical Treatment
Up to $2,100 Up to $4,800 Up to $5,800 Up to $7,200
Consultant Physician, when requested by attending Physician
Up to $250 Up to $325 Up to $500 Up to $575
Assistant Surgeon
Up to $500 Up to $750 Up to $1,000 Up to $1,650
Private Duty Nurse
Up to $650
Pre-Admission Tests within 7 days before Hospital admission
Up to $650 Up to $975 Up to $1,300 Up to $1,300
Outpatient
Anesthetist
Up to $500 Up to $750 Up to $1,000 Up to $1,650
Physician’s Non-Surgical
Up to $60/visit, 1/day, 30 visits max Up to $75/visit, 1/day, 30 visits max Up to $90/visit, 1/day, 30 visits max Up to $115/visit, 1/day, 30 visits max
Diagnostic X-rays & Lab Services
Up to $250 - Additional $325 - One CAT scan, PET scan or MRI Up to $375 – additional $325 - One CAT scan, PET scan or MRI Up to $500 - Additional $975 - One CAT scan, PET scan or MRI Up to $575 - Additional $975 - One CAT scan, PET scan or MRI
Hospital Emergency Room(all expenses incurred therein)
Up to $200 max Up to $500 max Up to $575 max Up to $750 max
Prescription Drugs
$250 (per coverage period) $250 (per coverage period) $250 (per coverage period) $250 (per coverage period)
Outpatient Surgical Facility
Up to $600 Up to $900 Up to $1,200 Up to $1,400
Other
Initial Orthopedic Prosthesis/ brace
Up to $663 Up to $994 Up to $1,325 Up to $1,600
Chemotherapy and/or Radiation Therapy
Up to $663 Up to $994 Up to $1,325 Up to $1,600
Physiotherapy
Up to $45/visit, 1/day, 12 visits max
Acute Onset of a Pre-existing Condition
$50,000 per coverage period for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per coverage period for Emergency Medical Evacuation. $75,000 per coverage period for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per coverage period for Emergency Medical Evacuation. $100,000 per coverage period for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per coverage period for Emergency Medical Evacuation. $130,000 per coverage period for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per coverage period for Emergency Medical Evacuation.
Return of Mortal Remains
$25,000, for local cremation or burial $5,000 $25,000, for local cremation or burial $5,000 $25,000, for local cremation or burial $5,000 $25,000, for local cremation or burial $5,000
International Travel Coverage
30 days 30 days 30 days 30 days
Common Carrier Accidental death and dismemberment
Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000
Ambulance Services
$500 $500 $500 $500
Incidental Trips to Your Home Country
$50,000 $50,000 $50,000 $50,000
Insurance Provider
Insurance Provider
Seven Corners
Plan Life
Plan Life
5 days to 364 days
underwriters
Underwriter
Underwritten by Certain Underwriters at Lloyd's of London.
Best Rating
Rating
“A” (Excellent) by A.M. Best and “A+” (Strong) by Standard & Poor’s.

Seven Corners Inbound Choice plan summary

 Eligibility Eligibility
  • Non US citizen traveling to the U.S. for business, pleasure, to study, or to visit
  • Travelers 14 days of age through 69 years.
  • Policy must become effective within 24 months of arrival in USA

Renewal Renewability
  • Total period of coverage cannot exceed 728 days, You have the option to renew coverage in any increment of 5 days or more.
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  • Advantages
  • Disadvantages
  • Restrictions
  • Exclusions
  • Claims
adv-icon Advantages
  • Affordable price with multiple lifetime maximum options.
  • Plan can be purchased initially for a maximum of 364 days and can be renewed up to 728 days (2 years).
  • Coverag of acute onset of pre-existing conditions up to the age of 69 years at no additional cost.
disad-icon Disadvantages
  • The plan has benefit limit based on the type of medical expense.
  • Covers only Non US Citizens visiting US.
special-coverage Restrictions
  • State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
  • Country Restrictions: The plan will not accept an address in Australia, Canada, Cuba, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, the U.S. Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone.
exclusion-icon Exclusions
  • Pre-Existing Conditions as defined herein. If you are a non-U.S. citizen under age 70, this exclusion is waived for eligible medical expenses for an Acute Onset of a Pre-existing Condition(s) (as defined herein) as shown in the Schedule of Benefits for your chosen plan (Plan A, B, C, and D). Benefits will be administered as stated in section F, Acute Onset of a Pre-Existing Condition(s), for eligible medical expenses incurred in the United States, minus your Deductible and subject to the scheduled limits for benefits as stated in the Schedule of Benefits. For persons age 70 and over, there is no benefit.
  • Any loss that occurs while traveling solely for the purpose of obtaining medical treatment, while on a waiting list for a specific treatment, or while traveling against the advice of a Physician;
  • Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to the Insured Person’s Home Country;
  • Routine physical, inoculations or other examinations including but not limited to laboratory, diagnostic, or x-ray examinations where there are no objective indications of impairment of normal health, or well baby care;
  • Eye examinations; prescriptions or fitting of eyeglasses and contact lenses; eyeglasses, contact lenses; eye surgery when the primary purpose is to correct nearsightedness, farsightedness or astigmatism; 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;
  • Treatment and the provision of false teeth or dentures or dental appliances, normal ear tests and the provision of hearing aids, hearing implants, cosmetic or plastic Surgery (including deviated nasal septum), dental expenses except as specifically provided in the Dental Emergency Treatment benefit;
  • Services or supplies not necessary for the medical care of the patient’s Injury or Sickness;
  • 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 Sickness;
  • Elective surgery and elective treatment;
  • Treatment, drugs, diagnostic or surgical procedures in connection with infertility, impotency, artificial insemination, sterilization or reversal thereof, unless infertility is a result of a covered Injury or Sickness;
  • Birth control, including surgical procedures and devices;
  • Routine new-born baby care, well-baby nursery and related Physician charges;
  • Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics; including but not limited to the event, games, practice, conditioning and any other activity related to professional sponsored and/or organized Amateur of Interscholastic Athletics;
  • Injury sustained while taking part in Mountaineering, hang gliding, parachuting, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle / motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snow skiing and snowboarding and any other sport, recreational, athletic, or adventure activity which is undertaken for thrill seeking and exposes the insured to abnormal or extreme risk of injury and/or is in violation of applicable laws, rules, or regulations;
  • Treatment paid for or furnished under any other individual, government, or group policy; previous Certificate; payable under any Worker’s Compensation or Occupational Disease Law or Act; or charges provided at no cost to the Insured Person;
  • Occupational Diseases, including but not limited to Disease(s) related to asbestos exposure, and the complications thereof, including asbestosis and mesothelioma related to asbestos exposure;
  • Treatment for human organ or tissue transplants and their related treatment;
  • War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not, Terrorist activity.
  • Suicide or any attempt thereof, or self-destruction or any attempt thereof; intentionally self-inflicted Injury or Illness;
  • Charges 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, or Treatment in connection with alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic agent; Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor, chemicals, or drugs or narcotic agent, unless administered under the advice of a Physician and said narcotic agent was taken in accordance with the proper dosing as directed by the physician; unless prescribed by a Physician, except as stated in the Schedule of Benefits for mental or nervous disorders;
  • 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 payable under any prior Certificate which was in force for the person making the claim;
  • Expenses incurred during a Hospital emergency room visit which are 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 subluxation 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 as the result of the Insured operating a motor vehicle while not properly licensed to do so in the jurisdiction the motor vehicle accident occurs;
  • Voluntary or elective abortion;
  • Expenses covered by any other valid and collectible medical, health or accident insurance;
  • Expenses incurred after the date insurance terminates for an Insured Person except as may be specifically provided;
  • Treatment and or diagnosis of venereal disease, including all sexually transmitted diseases and conditions, and any and all consequences thereof;
  • Treatment(s) which is incurred by an Insured Person(s) who is HIV Positive (i.e., infected with the human immunodeficiency virus, the cause of acquired immunodeficiency syndrome) at the time of Application for this Insurance, whether or not the Insured Person(s) was asymptomatic or symptomatic or had knowledge of his/her HIV status on the initial Effective Date of Coverage, or any associated diagnostic tests or charges for HIV infection, seropositivity to the AIDS virus, AIDS related Illness(es), ARC Syndrome, AIDS, and all diseases caused by and/or related to HIV;
  • Treatment(s) for HIV, the AIDS virus, AIDS related Illness(es), ARC Syndrome, AIDS, and all diseases and illnesses caused by and/or related to HIV or arising as complications from these conditions including but not limited to the cost of testing for these conditions and/or charges for drug treatment(s) or surgeries;
  • Treatment for tuberculosis, malaria, cholera, dengue fever and parasitic-sourced illnesses, including but not limited to treatment required as a result of complications from those same diseases, whether or not previously manifested or symptomatic prior to the effective date of the Certificate;
  • Charges incurred for treatment or surgeries which are Experimental / Investigational, or for research purposes; expenses which are non-medical in nature, expenses for custodial care, vocational, speech, recreational or music therapy;
  • Expenses for services or supplies which are not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  • Chiropractic care or complementary medicine including but not limited to acupuncture and massage;
  • Services, supplies, or treatment prescribed, performed or provided by a Relative of the Insured Person or any family member of the Insured Person or anyone who lives with the Insured Person. This includes but is not limited to prescription medication and any diagnostic testing;
  • Diagnosis or treatment of the Temporomandibular joint;
  • Treatment required as a result of complications or consequences of a treatment or for a condition not covered under this Certificate;
  • Expenses for home health care, custodial care and/ or daily living, including but not limited to food, housing, or home maker services;
  • Expenses for environmental supplies, including but not limited to handrails, ramps, special telephones, air conditioners, or home delivered meals.
  • Pregnancy expenses or Sickness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Injury;
claims-icon Claims
Please visit: : Seven Corners Claims Forms
Toll Free Number: 1.800.335.0477
Claims Department:
Email: claims@sevencorners.com
Fax: (+1) 317-575-2256
Seven Corners, Inc
. Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA

Provider network and how to find hospital or doctor?
You may use our network provider search to find a physician or hospital in your area. However, because there is not a PPO network for these plans, network pricing will not apply.

You need to be prepared to pay for medical services and prescription medications when you receive them. Some providers may agree to bill Seven Corners directly, but they are not required to do so.

When you visit a medical provider, explain to them that you have insurance. Show them your card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility.

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