Inbound Guest insurance with pre-existing condition coverage

Inbound Guest Visitor Insurance plan was developed to provide simple and effective coverage for visitors and immigrants to the US. This program is designed for non US citizens who visit USA either on work or for pleasure, or even to immigrate. Inbound Guest Insurance must be purchased within 180 days of arrival in the USA. This plan is a good visitor medical insurance option for visiting parents and tourists in the USA. The insured can visit any doctor, hospital or medical provider across the USA.

Inbound Guest Plan benefits for travelers aged 14 days to 99 years

Age
Age 2
Start Date
End Date
Coverage
Citizenship
Inbound Guest Plan A
Maximum
$25,000
Deductible
Inbound Guest Plan B
Maximum
$45,000
Deductible
Inbound Guest Plan C
Maximum
$65,000
Deductible
Inbound Guest Plan D
Maximum
$85,000
Deductible
Inbound Guest Plan E
Maximum
$120,000
Deductible
Inbound Guest Plan J
Maximum
$40,000
Deductible
Inbound Guest Plan K
Maximum
$60,000
Deductible
Inbound Guest Plan L
Maximum
$100,000
Deductible
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Inpatient
Hospital Room & Board
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
Additional $430/day, 8 day max Additional $595/day, 8 day max Additional $720/day, 8 day max Additional $790/day, 8 day max Additional $1,020/day, 8 day max Additional $380/day, 8 day max Additional $550/day, 8 day max Additional $900/day, 8 day max
Surgery
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 $570 Up to $825 Up to $1,340
Assistant Surgeon
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
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
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
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
Anesthetist
Up to $500 Up to $740 Up to $990 Up to $1,210 Up to $1,650
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
Prescription Drugs
Up to $150 Per Coverage Period Up to $250 Per Coverage Period Up to $125 Per Coverage Period Up to $135 Per Coverage Period Up to $180 Per Coverage Period Up to $250 Per Coverage Period Up to $250 Per Coverage Period Up to $250 Per Coverage Period
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 $450 - 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
Outpatient Surgical Facility
Up to $750 Up to $900 Up to $1,030 Up to $1,070 Up to $1,320Up 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
Dental Treatment
Up to $360 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $1,075 (Injury to Sound, Natural Teeth)
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 max Up to $40/visit, 1/day, 12 visits max Up to $80/visit, 1/day, 12 visits max
Emergency Evacuation
$50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000
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
Acute Onset of a Pre-existing Condition
$25,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $45,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $65,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $85,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $120,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 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 $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 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 Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000
Insurance Provider
Insurance Provider
Seven Corners
Plan Life
Plan Life
5 days to 180 days
 Eligibility
Eligibility
  • Non US citizens visiting the U.S. for business, pleasure, or to study
  • The coverage must become effective within 180 days of arrival in US.
  • Travelers 14 days of age through 69 years are considered one class of insured person, and persons age 70 years and over are considered another class of insured person.
Renewal
Renewability
  • Total period of coverage cannot exceed 1820 days (5 continuous and consecutive 364-day policy period) and for the coverage to lapse, the traveler must return to his/her home country for a minimum of 31 days before reapplying. On reapplying for a new policy the pre-existing conditions look back starts over.

Seven Corners Inbound USA plan summary

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.

CONTACT US
WE ARE HERE TO HELP

(877) 340-7910
  • Advantages
  • Disadvantages
  • Restrictions
  • Exclusions
  • Claims
adv-icon Advantages
  • Acute onset of pre-existing conditions are covered up to 70 years at no additional cost.
  • Very affordable plan.
  • Online renewal available.
  • Cancellation and refund of full premium before policy start date.
  • The plan can be bought up to 180 days of your arrival in the US.
  • Provides coverage for mental & nervous disorder and substance abuse like any other illness.
disad-icon Disadvantages
  • Fixed Benefit Plan, hence specific limits for different situations.
  • Maximum coverage and benefits offered by this plan may be inadequate.
  • Provides insurance cover in US only, no coverage outside the US.
  • Maximum duration of the policy including renewals cannot exceed 180 days.
  • No PPO network, but with provision to visit any doctor or hospital.
  • $200 deductible Per Injury / Sickness for 70+ travelers.
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, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, the U.S. Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone.
exclusion-icon Exclusions
  • For Medical Benefits, this insurance does not cover: Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate. This exclusion does not apply to emergency medical evacuation, emergency medical reunion, return of children, return of mortal remains, and local cremation/burial.
  • Claims not received by the Company or Administrator within ninety (90) days of the date of service:
  • Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) received in a Hospital emergency room visit that is not a Medical Emergency;
  • . Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
  • Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
  • Chiropractic care or acupuncture;
  • Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
  • Durable medical equipment;
  • False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eye-glasses unless caused by Accidental Injury, eyeglasses, contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
  • Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
  • Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
  • Vocational, occupational, sleep, speech, recreational, or music therapy;
  • Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postnatal care, preventing conception or childbirth, artificial insemination, infertility,impotency, sexual dysfunction, or sterilization or reversal thereof;
  • Sleep apnea or other sleep disorders;
  • Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
  • Congenital abnormalities and conditions arising out of or resulting therefrom.
  • Temporomandibular joint;
  • Occupational Diseases;
  • Exposure to non-medical nuclear radiation or radioactive materials;
  • Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  • Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
  • Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sex-change Surgery;
  • Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  • Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
  • Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
  • . Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
  • Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
  • Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
  • Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  • You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
  • Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
  • Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  • (ii) You while in Your Home Country unless covered under Section 3.8 or 3.9;
  • Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
  • Travel accommodations;
  • Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
  • Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
  • . Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and
  • Participating in contests of speed or riding or driving in any type of competition
  • Loss of life;
  • Long-term disability; or
  • Financial guarantee, financial default, bankruptcy, or insolvency risks.
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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