Inbound Guest Insurance

  • Best Suitable for:
    • Visitors and immigrants traveling to the USA from any country for business, pleasure, education or immigrating
    • It is the most affordable plan with fixed benefit coverage as low as for $25,000
  • Eligibility:
    • Non US citizen traveling to U.S. for business, pleasure, study, or to immigrate and policy must become effective within 180 days of arrival in US
  • Coverage: 180 days
  • COINSURANCE?:
    • No-coinsurance
  • Inbound Guest offers Pre-existing conditions coverage
  • Rating:
    • A (excellent) by AM Best
      A+ (Strong) by Standard & Poor’s
  • Underwriter:
    • Lloyds of London
  • Administrator:
    • Seven Corners
Related links
  • Brochure
  • Claims
  • What's good?
  • Renewal
  • PPO
  • What's not so good?

Plan Highlights

POLICY MAXIMUM

Ages 14 days through 69years: Plan A - $25,000; Plan B - $45,000;
Plan C - $65,000; Plan D - $85,000 or Plan E - $120,000
Age 70 years and over: Plan J - $40,000; Plan K - $60,000
or Plan L - $100,000

DEDUCTIBLE

Ages 14 days through 69 years: $0, $50 or $100 per sickness or injury
Age 70 years and over: $200 per sickness or injury

 

Pre-Existing Conditions Coverage

Acute Onset of Pre-existing Condition
  • Insureds aged below 70 years are covered at no additional charge: Treatment must be received within 24 hours of the onset
    The Inbound programs offer a per injury/per sickness benefit to the insureds
    The acute onset benefit will be the same amount as your client's chosen policy maximum, however, unlike the policy maximum, the acute onset is paid on a per period of policy basis
    This means if multiple acute onsets of a pre-existing condition occur, regardless of whether or not they are a different condition, we will only pay to the cumulative per maximum period of policy
  • The coverage is not available for traveler aged 70 years and above
  • Examples are as follows
    • Flu 01/01/2013: $50,000 per illness, payable to the scheduled amounts
    • Rash-02/01/2013: $50,000 per illness, payable to the scheduled amounts
    • Heart attack-03/01/2013: (determined to be an acute onset of a pre-existing condition) $50,000 per period of policy, payable to the scheduled amounts - total paid is $25,000
    • Diabetes-04/01/2013: (determined to be an acute onset of a pre-existing condition) $25,000 is available for the acute onset benefit, payable to the scheduled amounts

Coverage Details

Inbound Guest Plan benefits for travelers aged 14 days to 69 years

Benefits Inbound Guest Plan A Inbound Guest Plan B Inbound Guest Plan C Inbound Guest Plan D Inbound Guest Plan E
Plan maximum per injury/sickness $25,000 $45,000 $65,000 $85,000 $120,000
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
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
Surgical Treatment Up to $2,150 Up to $2,970 Up to $3,960 Up to $4,840 Up to $6,600
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
Private Duty Nurse Up to $400 Up to $495 Up to $550 Up to $550 Up to $660
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
Outpatient
Anesthetist Up to $500 Up to $740 Up to $990 Up to $1,210 Up to $1,650
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
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
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
Hospital Emergency Room(all expenses incurred therein) Up to $215 Up to $295 Up to $395 Up to $465 Up to $660
Outpatient Surgical Facility Up to $750 Up to $900 Up to $1,030 Up to $1,070 Up to $1,320
Other
Ambulance Services Up to $295 Up to $450 Up to $450 Up to $475 Up to $475
Initial Orthopedic Prosthesis/ brace Up to $715 Up to $990 Up to $1,160 Up to $1,240 Up to $1,560
Dental Treatment Up to $360 (Injury to Sound, Natural Teeth) Up to $550 (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
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.
Emergency Evacuation $50,000 $50,000 $50,000 $50,000 $50,000
Return of remains $25,000 $25,000 $25,000 $25,000 $25,000
Local Cremation or Burial $5,000 $5,000 $5,000 $5,000 $5,000
Common Carrier Accidental death and dismemberment (AD & D) $25,000 $25,000 $25,000 $25,000 $25,000

Inbound Guest Plan benefits for travelers aged 70 years and above

Benefits Inbound Guest Plan J Inbound Guest Plan K Inbound Guest Plan L
Plan maximum per injury/sickness $40,000 $60,000 $100,000
Inpatient
Hospital Room & Board 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 $380/day, 8 day max Additional $550/day, 8 day max Additional $900/day, 8 day max
Surgical Treatment 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 $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
Pre-Admission Tests Up to $775 Up to $775 Up to $1,500
Outpatient
Surgical Treatment Up to $2,750 Up to $3,850 Up to $2,750
Physician’s Non-Surgical / Urgent Care Visits 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 $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 Up to $208 Up to $300 Up to $480
Outpatient Surgical Facility Up to $705 Up to $1,020 Up to $1,660
Others
Ambulance Services Up to $450 Up to $450 Up to $450
Initial Orthopedic Prosthesis/brace Up to $705 Up to $1,020 Up to $1,660
Physiotherapy 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
Chemotherapy and/or radiation therapy Up to $705 Up to $1,020 Up to $1,660
Emergency Evacuation $50,000 $50,000 $50,000
Return of remains $25,000 $25,000 $25,000
Local Cremation or Burial $5,000 $5,000 $5,000
Common Carrier Accidental death and dismemberment (AD & D) $25,000 $25,000 $25,000
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Inbound Guest Insurance

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