Inbound USA Insurance, Seven Corners Inbound USA cheap visitor Insurance with pre-existing condition coverage

Age

Age 2

Start Date

End Date

Coverage

Citizenship

Inbound USA Plan A Plan Maximum $50,000 Deductible BUY NOW	Inbound USA Plan B Plan Maximum $75,000 Deductible BUY NOW	Inbound USA Plan C Plan Maximum $100,000 Deductible BUY NOW	Inbound USA Plan D Plan Maximum $130,000 Deductible BUY NOW	Inbound USA Plan J Plan Maximum $50,000 Deductible BUY NOW	Inbound USA Plan K Plan Maximum $70,000 Deductible BUY NOW
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Inpatient
Hospital Room & Board
Up to $1,400/day, 30 day max	Up to $1,725/day, 30 day max	Up to $2,000/day, 30 day max	Up to $2,585/day, 30 day max	Up to $1,050/day, 30 day max	Up to $1,470/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 $1,105/day, 8 day max	Additional $460/day, 8 day max	Additional $640/day, 8 day max
Anesthetist
Up to $825	Up to $1,100	Up to $1,375	Up to $1,775	Up to $685	Up to $960
Assistant Surgeon
Up to $825	Up to $1,100	Up to $1,375	Up to $1,775	Up to $685	Up to $960
Surgical Treatment
Up to $3,300	Up to $4,400	Up to $5,500	Up to $7,150	Up to $2,750	Up to $3,850
Physician’s Non-Surgical Visits
Up to $60/visit, 1/day, 30 visits max	Up to $75/visit,1/day, 30 visits max	Up to $85/visit, 1/day, 30 visits max	Up to $115/visit, 1/day, 30 visits max	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 $450	Up to $475	Up to $500	Up to $650	Up to $400	Up to $560
Pre-Admission Tests w/in 7 days before Hospital admission
Up to $1,100	Up to $1,100	Up to $1,100	Up to $1,450	Up to $775	Up to $1,085
Outpatient
Surgical
Up to $3,300	Up to $4,400	Up to $5,500	Up to $7,150	Up to $2,750	Up to $3,850
Physician’s Non-Surgical /Urgent Care Visits
Up to $60/visit, 1/day, 10 visits max	Up to $75/visit, 1/day, 10 visits max	Up to $85/visit, 1/day, 10 visits max	Up to $115/visit, 1/day, 10 visits max	Up to $55/visit, 1/day, 10 visits max	Up to $75/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 scan 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	Up to $400 - Additional $250 - One CAT scan, PET scan or MRI	Up to $560 – additional $300 - One CAT scan, PET scan or MRI
Hospital Emergency Room(all expenses incurred therein)
Up to $330	Up to $465	Up to $550	Up to $750	Up to $250	Up to $350
Prescription Drugs
Up to $250 Per Coverage Period	Up to $250 Per Coverage Period	Up to $250 Per Coverage Period	Up to $250 Per Coverage Period	Up to $200 Per Coverage Period	Up to $250 Per Coverage Period
Outpatient Surgical Facility
Up to $1,000	Up to $1,050	Up to $1,100	Up to $1,400	Up to $850	Up to $1,190
Other
Acute Onset of a Pre-existing Condition
$50,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.	$75,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.	$100,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.	$130,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.	Not Available	Not Available
Ambulance Services
Up to $450	Up to $475	Up to $475	Up to $475	Up to $450	Up to $450
Dental treatment for injury to sound, natural teeth
Up to $550	Up to $550	Up to $550	Up to $550	Up to $550	Up to $550
Initial Orthopedic Prosthesis/ brace
Up to $1,100	Up to $1,200	Up to $1,300	Up to $1,700	Up to $850	Up to $1,190
Durable Medical Equipment
Up to $1,100	Up to $1,200	Up to $1,300	Up to $1,700	Up to 1,000	Up to 1,000
Chemotherapy and/or Radiation Therapy
Up to $1,100	Up to $1,225	Up to $1,350	Up to $1,750	Up to $850	Up to $1,190
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	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	$50,000	$50,000
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
International Travel Coverage
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

Advantages
Disadvantages
Restrictions
Exclusions
Claims

Advantages

Very affordable plan for short term travel cover.
Acute onset of pre-existing conditions are covered up to 70 years at no additional cost.
$50,000 & $70,000 coverage offered for travelers more than 70 years.
Benefits per Injury or Sickness and not the entire policy period.
Cancellation and refund of full premium provided before the policy start date.
Plan is available for purchase within 12 months of arrival in the US ( no age restrictions).
Covers expenses incurred from mental & nervous disorder and substance abuse like any other illness.

Disadvantages

Deductible is per injury/per sickness ( instead of per policy period), making it costly for customer.
Fixed or Scheduled Benefits Plan and hence has limits for different cover.
Maximum coverage for certain situations can be inadequate.
Coverage available only in the US, does not offer coverage outside the US.
No PPO network, but with provision to visit any doctor or hospital.
The maximum duration of the policy including renewals cannot exceed 12 months.
High deductible of $200 per Injury / Sickness for 70+ travelers.
Coverage for "acute onset of pre-existing" condition is not available for people over 70.

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 Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.

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
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

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