Inbound Choice 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.
Are you planning a trip to the USA for yourself or your family? If so, you need quality medical insurance coverage. Health care in the USA can be expensive and complicated. Inbound Choice has affordable and easy-to-understand options, and it's renewable for up to two years if you need longer term coverage!
You can feel confident with Inbound® Choice’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.
It is your responsibility to maintain all records regarding travel history and age and provide necessary documents to Seven Corners to verify eligibility if required.
Inbound Choice Plan Features:
This plan is designed for:
Inbound Choice Plan Description
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 per person deductible. Treatment must be received within 364 days of the injury or sickness.
HOME COUNTRY COVERAGE - We will pay up to $50,000 for an illness or injury which occurs while you are on an incidental trip to your home country (30 days per 364 days of purchased coverage or pro rata thereof, approximately 2½ days per month).
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.
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.
ACCIDENTAL DEATH & DISMEMBERMENT
This benefit pays up to $25,000 for accidents occurring while you are riding as a passenger in or on any land, water or air conveyance transporting passengers for hire. Your loss must occur within 365 days after the accident date. A description of the covered losses is shown below:
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 before your coverage on Inbound Choice 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 before the effective date.
Non U.S. Citizens traveling in the United States
We pay up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States 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.
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.
Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either:
for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s). ii) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. iii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. iv) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals. Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing,
or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
Please be aware that this is not a general health insurance plan, but an interim program intended for temporary use. Inbound® Choice 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.