Seven -corners

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 travel insurance must be purchased within 180 days of arrival in the USA. Seven Corners Inbound Guest Insurance 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
Spouse
Start Date
End Date
Coverage
Citizenship
Inbound Guest Plan A
Plan Maximum
$25,000
Deductible
Inbound Guest Plan B
Plan Maximum
$45,000
Deductible
Inbound Guest Plan C
Plan Maximum
$65,000
Deductible
Inbound Guest Plan D
Plan Maximum
$85,000
Deductible
Inbound Guest Plan E
Plan Maximum
$120,000
Deductible
Inbound Guest Plan J
Plan Maximum
$40,000
Deductible
Inbound Guest Plan K
Plan Maximum
$60,000
Deductible
Inbound Guest Plan L
Plan 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
Inbound Guest Visitor Insurance Review
Inbound Guest Insurance
Insurance Provider
Insurance Provider
Seven Corners
Plan Life
Plan Life
5 days to 180 days
Deductible Options
Deductible Options?
$0, $50, $100 and $200 selected per injury.
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PPO Network
Inbound Guest Visitor Insurance Reviews
Seven Corners Inbound Guest visitor insurance reviews.
Policy Maximum
Policy Maximum?
$25,000,$40,000, $45,000, $60,000, $65,000, $85,000, $100,000 and $120,000.

Seven Corners Inbound Guest Visitor Insurance summary

underwriters Inbound Guest Visitor Insurance Underwriter
  • Underwritten by Certain Underwriters at Lloyd's of London.
Best Rating Inbound Guest Visitor Insurance Rating
“A” (Excellent) by A.M. Best and “A+” (Strong) by Standard & Poor’s.

 Eligibility Inbound Guest Visitor Insurance eligibility
  • Non US citizen traveling to the U.S. for business, pleasure, to study, or to immigrate
  • Travelers 14 days of age through 69 years are considered one class of insured person, and persons age 70 and over are considered another class of insured person.
  • Policy must become effective within 24 months of arrival in USA

Renewal Inbound Guest Visitor Insurance renewability
  • $5 for renewals online; Online policies of 5 or more days are eligible for renewal however the total number of days cannot exceed 6 months.
  • Advantages
  • Disadvantages
  • Restrictions
  • Exclusions
  • Claims
adv-icon Inbound Guest Visitor Insurance 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 Inbound Guest Visitor Insurance 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 Inbound Guest Visitor Insurance 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 Inbound Guest Visitor Insurance 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, D, or E). Benefits will be administered as stated in section G, 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 expenses incurred when travel was undertaken solely 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; 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;
  • Organ transplants;
  • 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;
  • 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;
  • 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;
  • 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;
  • 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;
  • 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;
  • 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;
  • 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.
  • 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;
claims-icon Inbound Guest Visitor Insurance 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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