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Reside Prime Insurance

Reside Prime Insurance from Seven Corners offer coverage for Expatriates living, working and travelling abroad for a long term. It includes coverage for Maternity, New Born, Mental & Nervous, Preventive Benefits. After three consecutive years of continuous coverage, it offers extended coverage of benefits.
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Citizenship


Reside Prime Insurance from Seven Corners offer coverage for Expatriates living, working and travelling abroad for a long term. It includes coverage for Maternity, New Born, Mental & Nervous, Preventive Benefits. After three consecutive years of continuous coverage, it offers extended coverage of benefits.

Reside Prime insurance - Salient features

Reside Prime links
  • Brochure
  • Working Example
  • Advantages
  • Disadvantages
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Customer Care
  • Comprehensive Plan
  • Claims
  • Renewal
  • Provider Network
Seven Corner’s Reside Prime plan summary
Underwriter
  • Certain Underwriters at Lloyd’s of London and Tramont Insurance Company Limited
  • Their residence address determines which one provides the coverage

Eligibility
  • A person living and travelling outside the US
  • US citizen relocating or spending extended time overseas.
  • A foreign traveler who requires travel protection outside his home country and while travelling abroad.
  • The applicant must be aged between 14 years and 75 years at the time of applying.
  • You cannot reside in the United States for 180 days or more within a 364-day period.

Plan options of Reside Prime insurance
  • Policy Period: 364 days
  • Worldwide Coverage Regions: Living in US is limited to 180 days during a given 364-day period in the both the options.
    Worldwide coverage including US and Canada
    Worldwide coverage excluding US and Canada
    Once the plan is purchased, changes in coverage region is not available on the same certificate.
  • Lifetime maximum benefit?: $5,000,000 per insured person.
  • Policy period deductible options?:
    $250, $500, $1000, $2500 or $5000
    Maximum of 3 deductible payments for families enrolling on one application.
  • Coinsurance?:
    Expenses incurred inside US and Canada: After deductible, the plan pays 80% of the next $5000 of the eligible expenses, then 100% to the policy maximum.
    If the treatment is received from the approved PPO network while in US, the plan will reduce the applicable deductible by 50% & waive coinsurance.
    Expenses incurred outside US and Canada: After deductible, the plan pays 100% to plan maximum

Plan benefits of Reside Prime insurance

Benefit Coverage
Inpatient hospital expenses Average semi-private room & board; usual, reasonable, & customary physician charges; prescription medications; durable medical equipment; nursing; & x-rays to the policy maximum
Intensive care Intensive Care room & board; usual, reasonable, & customary physician charges; prescription medications; durable medical equipment; nursing; & x-rays to the policy maximum.
Surgery Usual, reasonable, & customary charges for surgery, physician & anesthetics to the policy maximum.
Hospital daily indemnity benefit $50 per day ($1,000 maximum per policy period) while hospitalized outside of the U.S. & Canada. This payment is not related to the hospital charges & is paid in addition to other eligible benefits.
Outpatient treatment Usual, reasonable, & customary charges for emergency treatment; surgery; physician's office; & prescription medication to the policy maximum.
Physiotherapy, chiropractic Up to $75 per visit, when referred in advance by a physician. Lifetime maximum of $10,000.
Medical supplies Usual, reasonable, & customary charges to the policy maximum.
Ambulance Usual, reasonable, & customary charges to the policy maximum.
Well child care (under age 19) Up to $200 per policy period for checkups & routine visits after a 180-day waiting period.
Not subject to deductible or coinsurance
Maternity Usual, reasonable, & customary to the limits below per pregnancy. You must pre-notify within the first 90 days of pregnancy. Waiting period of 364 days.
After completion of 1 continuous policy period: $1,000
After completion of 2 continuous and consecutive policy periods: $2,000
After completion of 3 continuous and consecutive policy periods: $3,000
After completion of 4 continuous and consecutive policy periods: $4,000
After completion of 5 continuous and consecutive policy periods: $5,000
Newborn benefit Maximums listed below per pregnancy for the first 31 days after birth.
After completion of 2 continuous and consecutive policy periods: $2,000
After completion of 3 continuous and consecutive policy periods: $3,000
After completion of 4 continuous and consecutive policy periods: $4,000
After completion of 5 continuous and consecutive policy periods: $5,000
Mental & nervous Usual, reasonable, & customary to $10,000 per policy period after a 364-day waiting period.
Inpatient limited to 45 days per policy period. Outpatient limited to 40 visits per policy period at 70% of eligible expenses. Lifetime maximum of $30,000.
Dental $500 per policy period for usual, reasonable, & customary charges for repair & replacement of sound, natural teeth damaged in an accident. An optional Dental Rider may be purchased.
Emergency medical evacuation $250,000 per person per policy period, when adequate medical facilities or treatment are not available
Repatriation/return of remains $25,000 per person
Emergency medical reunion $10,000 per person per ocurrence
Preventive benefits (age 19 and over) $175 per policy period for checkups & routine physical exams for all members & female preventative exams & mammograms after a 180-day waiting period. Not subject to deductible or coinsurance.
Accidental death & dismemberment (ad&d) 24-Hour AD&D: Principal Sum: $10,000 for insured & spouse, $2,000 for dependent children.
Common Carrier AD&D: Principal Sum: $40,000 for insured & spouse, $8,000 for dependent children.
Lifetime transplant benefit Up to $1,000,000 per insured person

Optional Riders of Reside Prime insurance

Dental
Dental Rider

Optional Worldwide dental coverage

AD & D
AD & D Principal Sum Rider

$100,000, $200,000, $300,000, $400,000 or $500,000 for the insured; $100,000 for the spouse and $10,000 for each child

Sports
Sports Rider

$25,000 lifetime maximum for mountaineering up to 4500 meters where ropes or guides are normally used, hang gliding, parachuting & bungee jumping and $7,500 lifetime maximum for amateur sports or interscholastic athletics sponsored by a school or organization when not engaged for wage or profit

Hospital daily indemnity
Hospital daily indemnity rider

$150 per night when you are hospitalized outside US and Canada

Provider network and how to find hospital or doctor?
Seven Corners maintains a wide network of health care providers. In US there are 2 options: United health care and Multiplan.

You need to check your insurance card to find any one of the below 2 logos:
    

While calling your provider network, you need to say "my coverage uses United healthcare or Multiplan PPO network and found your name on the registry".

Do not say "I have Reside Prime plan or I use seven corners plan". The provider will not identify your coverage and may say that you are not covered.
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