How does the Inbound Guest Plan Work?

Inbound Guest insurance is a limited coverage plan, which means that it pays a fixed amount per incident, per person. Inbound Guest only covers a certain, pre-defined amount for each benefit, so medical bills that exceed the fixed benefit amount are only partially covered by the plan. Any expenses that exceed the limited amount are your responsibility. For example, if you visit a doctor, the plan might reimburse you only a fixed amount for the visit, regardless of what the doctor's bill amounts to. After the plan reimburses you for the covered amount, you must pay the rest.

When using your Inbound Guest plan, you must satisfy the deductible before the plan begins to pay for any covered benefits. Only after the deductible is satisfied will the plan begin to pay for covered expenses up to the fixed amount.

After receiving the medical treatment or service, the doctor or hospital will either bill the insurance company directly or have you pay upfront and file a claim for reimbursement later. In either scenario, you must file a claim.

For coverage within USA:

First: You satisfy accumulated medical expenses until your deductible is met.
Then: Insurance pays fixed amount per eligible medical service as outlined in the benefit table below, up to the policy maximum.
All expenses beyond the policy maximum are the responsibility of the insured.

Read the Inbound Guest Insurance Brochure for complete details.


Plan A
($25,000 policy)
Plan B
($45,000 policy)
Plan C
($65,000 policy)
Plan D
($85,000 policy)
Plan E
($120,000 policy)
Dr. / Physician Visit Up to $40 per visit, 1/day,30 visit max Up to $50 per visit, 1/day,10 visit max Up to $65 per visit, 1/day,10 visit max Up to $75 per visit, 1/day,10 visit max Up to $100 per visit, 1/day,10 visit max
Surgical Treatment Up to $2150 Up to $2970 Up to $3960 Up to $4840 Up to $6600
Lab & X-rays 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 Room 30 day max
Up to $910 per day
30 day max
Up to $1260 per day
30 day max
Up to $1565 per day
30 day max
Up to $1785 per day
30 day max
Up to $2340 per day
Plan J
($40,000 policy)
Plan K
($60,000 policy)
Plan L
($100,000 policy)
Dr. / Physician Visit Up to $45 per visit, 1/day,10 visit max Up to $65 per visit, 1/day,10 visit max Up to $100 per visit, 1/day,10 visit max
Surgical Treatment Up to $2285 Up to $3300 Up to $5365
Lab & X-rays 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 Room 30 day max
Up to $870 per day
30 day max
Up to $1260 per day
30 day max
Up to $2050 per day

Note:

-Deductible is per incident, which means you pay the deductible for every new medical problem for which you go to the doctor or hospital.

-Policy maximum is the overall limit the insurance will pay per incident. The limits mentioned in the above limits are applicable per incident.

Visit Any Doctor or Hospital

Inbound Guest Insurance is a limited coverage plan, which means there is no PPO Network. When using your Inbound Guest Insurance policy, you may visit any doctor or hospital of your choice. The doctor, hospital, or other service provider may send the bill directly to the insurance company, or they may require you to pay upfront and file your claim for reimbursement later.