Inbound Immigrant Plan Description
Disclaimer: Please note that Non-admitted carriers are usually referred to as "surplus" or "excess lines insurers". Non-admitted carriers are not regulated and do not contribute to the State Guaranty Fund, which protects policyholders from the bankruptcy of its insurance carrier. Non-Admitted Carriers are not regulated by state insurance authority, you cannot seek any recourse from Non-Admitted Carriers for unpaid claims.
If you or your family members are immigrating to the United States, you need a quality medical insurance plan. Health care in the United States can be expensive and complicated. Inbound Immigrant provides a variety of affordable and easy-to-understand options so you can choose the coverage amounts you need.
You can feel confident with Inbound® Immigrant’s strong financial backing through Certain Underwriters at Lloyd’s, London, an established organization with an A.M. Best rating of “A” (Excellent). Your coverage will be there when you need it.
As your plan administrator, Seven Corners* handles your insurance needs from start to finish, processing your purchase, providing all documents, and handling any claims.
In addition, our 24/7 in-house travel assistance team, Seven Corners Assist, will help with your emergency and travel needs. Since 1993, we have provided travel insurance to worldwide travelers, and we are here to help. Contact details for Seven Corners Assist is shown on your ID card
Inbound Immigrant Plan Features:
This plan is designed for:
Inbound Immigrant Plan Description
Length of coverage
Your coverage length may vary from 5 days to a maximum of 364 days in a coverage period. Your total period of coverage cannot exceed 1,820 days (five 364-day coverage periods). You have the option to renew coverage in any increment of 5 days or more (there is a $5 fee each time you renew).
coverage start date - Coverage will begin on the latest of the following dates: the day after we receive your application and correct premium if you apply and pay online or by fax; or the day after the postmark date of your application and correct premium if you apply by mail; or the moment you depart your home country; or the date you request on your application
coverage expiration date - Your coverage ends at 12:01 A.M. North American Eastern Time on the earlier of the following: the expiration date on your ID card; the 91st day of your return trip to your home country; after completion of 364 days of coverage, unless the company agrees to extend coverage upon such expiration (coverage is available up to 5 years); the day you become a U.S. citizen; the date you enter active military service.
Home Country means the country where you have your true, fixed and permanent residence. If you are a United States Citizen, your home country is always the United States.
Emergency medical evacuation
If medically necessary:
RETURN OF MORTAL REMAINS/LOCAL CREMATION OR BURIAL* We will return your remains to your home country if you should die while traveling or pay for local burial/cremation at the place of death.
*Arrangements for evacuation and return of remains must be made by Seven Corners Assist.
Filing a claim
Filing a claim is easy! Simply send the itemized bill to Seven Corners within 90 days, along with a completed claim form. Payments can be converted to a currency of your choosing. You’re only responsible for your deductible and any non-eligible expenses
Pre-Existing conditions (Acute onset)
Pre-existing conditions are defined in detail in the plan document. A brief summary is shown here.
Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder that existed with reasonable medical certainty during the 180 days (365 days if 70 and older) before your coverage on Inbound Immigrant began, whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed. This includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 180 days (365 days if 70 and older) before the effective date.
Non U.S. Citizens under age 70 traveling in the United States
We pay up to the specified limit for an acute onset of a pre-existing condition if it occurs during your coverage period, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is chronic, congenital or gradually worsens over time is not covered.
Important benefit highlights
MEDICAL BENEFITS - If your covered injury or sickness requires medical treatment, we will pay the coverage amounts listed in the schedule of benefits, minus your chosen per person deductible.
For an injury, treatment must begin within 30 days and be received within 364 days (224 days if you are age 70 and over). For sickness, treatment must be received within 364 days (224 days if you are age 70 and over) of the injury or sickness.
HOME COUNTRY COVERAGE - We will pay for an illness or injury which occurs while you are on an incidental trip to your home country (90 days per 364 days of purchased coverage).
INTERNATIONAL TRAVEL COVERAGE - If you buy at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days. This benefit does not include travel back to your home country, and it does not extend after your current expiration date.
The list below is a summary of the exclusions in your plan document. A complete description of the provisions, benefits, and exclusions are contained in the plan document which you may view online. You will receive this document when your coverage is issued. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail.
No benefits will be paid for loss or expense caused by, contributed to, or result-ing from:
Inbound® Immigrant | Page 3
EXCLUSIONS & LIMITATIONS
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;
Refund of Premium / cancellation
We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $25 cancellation fee, if you have not submitted any claims to Seven Corners.
Please be aware that this is not a general health insurance plan, but an interim program intended for temporary use. Inbound® Immigrant does not guarantee payment to a facility or individual for medical expenses until we determine it is an eligible expense.
Medical Providers - When seeking medical care, you may see any provider of your choice. You may visit sevencorners.com for help locating providers in the United States.