Inbound Immigrant Insurance

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Visitor and Travel insurance

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Inbound Immigrant Insurance

Plan pays fixed amount per incident
Good for limited budget long term immigrants.
Renewable and Cancelable
Renewable up to 1,820 days (5 continuous and consecutive 364-day policy periods).
PPO network (See list of doctors and hospitals)
Not available for the resident of Maryland (MD).
Acute onset of pre-existing conditions coverage, for age under 70 years.

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Inbound Immigrant Insurance FAQs

Q1: Am I eligible for the Inbound Immigrant plan?

If you are a non-United States citizen or green card holder traveling to the U.S. for business, pleasure, to study or to immigrate, you are eligible for this plan. Your plan must become effective within 24 months of your arrival in the United States. The minimum coverage period is 5 days and the maximum coverage period is 5 years.

Q2: Can I renew the Inbound Immigrant plan?

Yes, you can renew your coverage in an increment of 5 days or more up to 5 years. For each renewal there is a $5 fee. Policy can be renewed online.

Q3: Can I cancel the Inbound Immigrant plan?

Yes, you can cancel this plan. If you request for cancellation of the plan, before the effective date you will receive complete refund and if you cancel the plan after the effective day, you will receive a pro-rated refund for the unused portion of the plan, minus a cancellation fee( $25 Cancellation Fee ), provided you have not submitted a claim.

Q4. What does the Inbound Immigrant plan cover? Why is it so much cheaper than the comprehensive plans?

The Inbound Immigrant plan is a limited coverage plan and pays its benefits according to a fixed schedule of benefits. This plan is less expensive than comprehensive plans, because the plan provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

Q5. The plan says that the deductible is per incident or per injury or sickness. Does this mean I have to pay the deductible each time I make a visit to a Doctor or hospital?

No. Per incident / per injury or sickness means that the deductible is one time only for all the services (including doctor visit, pharmacy, lab work, etc.) for one particular sickness/injury.

Example: If you have flu and visit the doctor 2 times for the same problem and the doctor asks you to take some lab test, then you pay the deductible once for all the services/treatment related to the flu. However if you go to doctor for a different problem, say, an ankle sprain, then the deductible will be applicable again, once for all services /treatments taken for the ankle sprain.

Q6: Does this plan cover any pre-existing conditions?

Yes, the plan does covers for acute onset of pre-existing conditions up to the policy maximum, only once for the policy period for medical expense benefits(subject to sublimit ) for people below 70 years of age.

Acute onset of pre-existing condition is defined as:Ã??Ã?Â An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence

For more details & exclusions regarding the pre-existing conditions, please check the Inbound Immigrant plan brochure.

Q7: Which doctor or hospital can I go to?

Within USA, the network provider for this plan is Multiplan. Prefer going to any doctor or hospital listed under this PPO network. Or you can go to any doctor of your choice.

Q8: What information do I need to purchase this insurance?

Name(s), date of birth, and passport number of the visitor(s).

Q9. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy?

The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations.

Q10. When will I receive my ID card?

The Inbound Immigrant plan is an online insurance policy, once you purchase the policy online you will receive a printable policy in your e-mail. You can print and cut the paper ID card for your record and use it in the event you go to Doctor or hospital. If your premium is over $100 then you will have the option of the ID card sent to your mailing address in addition to the email ID card.

Q11: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q12: Where can I find the claim information?

Please refer to the following article for the claim process: Visitor Insurance Claim Process

Q13: Where can I find answers to other questions I have?

Learn more at Visitor Insurance Information section.

If you still have questions, please email us at support@visitorscoverage.com or call our support line toll free: 1.866.384.9104. Business Hours: Mon - Fri 8:30am- 5:30pm PST.

Out-Patient	(Age 70 or over) $50,000 policy Per person, per incident Plan J pays as follows:
Dr. / Physician Visit	Up to $65/visit, 30 visits max
Surgical Treatment	Up to $450 Plus $325 for CAT, PET, or MRI
Prescription Drugs / Medicines	Up to $100
Lab & X-rays	Up to $450 Plus $325 for CAT, PET, or MRI
Physical Therapy	Up to $45/visit, 12 visits max

In-Patient	Plan J pays as follows:
Hospital Room	Up to $1,250/day, 30 day max
Surgical Treatment	Up to $3,350
Hospital Intensive Care Unit	Plus $525/day, 8 day max

Emergency Services	Plan J pays as follows:
Ambulance Expenses	Up to $500

Dental	Plan J pays as follows:
Acute, spontaneous and unexpected pain	Not Covered
Accidental emergency	Up to $650

Travel	Plan J pays as follows:
Emergency Medical Evacuation / Repatriation	$10,000
Return of mortal Remains	$7,500
Trip Interruption	Not Covered
Loss of checked Baggage	Not Covered

Life	Plan J pays as follows:
AD&D	$25,000

Other	Plan J pays as follows:
Pre-Existing Conditions	Not Covered
General Physical full Checkup	Not Covered
Terrorism Coverage	Not Covered
Brochure	Inbound Immigrant Insurance Brochure

Support	Plan J pays as follows:
24-Hrs Emergency Assistance	Yes. Contact Number and details can be found on the ID card.

Out-Patient	$50,000 policy Per person, per incident Plan A pays as follows:	$100,000 policy Per person, per incident Plan B pays as follows:
Dr. / Physician Visit	Up to $75/visit, 30 visits max	Up to $100/visit, 30 visits max
Surgical Treatment	Up to $4,200	Up to $6,950
Prescription Drugs / Medicines	Up to $135	Up to $200
Lab & X-rays	Up to $500 Plus $325 for CAT, PET, or MRI	Up to $575 Plus $975 for CAT, PET, or MRI
Physical Therapy	Up to $45/visit, 12 visits max	Up to $45/visit, 12 visits max

In-Patient	Plan A pays as follows:	Plan B pays as follows:
Hospital Room	Up to $1725/day, 30 day max	Up to $2,400/day, 30 day max
Surgical Treatment	Up to $4,200	Up to $6,950
Hospital Intensive Care Unit	Plus $725/day, 8 day max	Plus $1025/day, 8 day max

Emergency Services	Plan A pays as follows:	Plan B pays as follows:
Ambulance Expenses	75% of U&C* to a max of $400	75% of U&C* to a max of $650

Dental	Plan A pays as follows:	Plan B pays as follows:
Acute, spontaneous and unexpected pain	Not Covered	Not Covered
Accidental emergency	Up to $650	Up to $650

Travel	Plan A pays as follows:	Plan B pays as follows:
Emergency Medical Evacuation / Repatriation	$10,000	$10,000
Return of mortal Remains	$7,500	$7,500
Trip Interruption	Not Covered	Not Covered
Loss of checked Baggage	Not Covered	Not Covered

Life	Plan A pays as follows:	Plan B pays as follows:
AD&D	$25,000	$25,000

Other	Plan A pays as follows:	Plan B pays as follows:
Pre-Existing Conditions	Acute Onset of a Pre-existing Condition coverage for age under 70 years $50,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation	Acute Onset of a Pre-existing Condition coverage for age under 70 years $100,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation
Maternity	Up to $2,800	Up to $2,800
General Physical full Checkup	Not Covered	Not Covered
Terrorism Coverage	Not Covered	Not Covered
Brochure	Inbound Immigrant Insurance Brochure	Inbound Immigrant Insurance Brochure

Support	Plan A pays as follows:	Plan B pays as follows:
24-Hrs Emergency Assistance	Yes. Contact Number and details can be found on the ID card.	Yes. Contact Number and details can be found on the ID card.


Plan Administrator Company	Seven Corners
Carrier / Underwriter	Lloyd's
Eligibility	Can be purchased by any one travelling outside the home country. Non-United States citizens or any visa holders (e.g. L/H/B1,B2)as well as person on Green Card for temporary coverage in US. can purchase the plan. The Plan must become effective within 24 months of arrival in the United States.
Plan Type	Limited Coverage Plan Plan pays by a pre-defined fixed benefit table.
AM Best Rating	A (Excellent)
Coverage in U.S.A.	Covered
Coverage outside U.S.A.	Primarily covers in USA (If you buy at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days)
Co-Pay	No Co-pay (You pay the difference of the fixed benefits defined by the benefit table)
Co-Insurance	No Co-Insurance (You pay the difference of the fixed benefits defined by the benefit table)
How the Benefits are Paid	After the deductible, plan pays fixed amount based on a pre-defined benefit table for each type of service or treatment.
Coverage Type	Per Incident, Per Injury or Sickness
Deductible Type	Per Incident, Per Injury or Sickness
Renewability	Renewable with $5 fee each time you renew, up to a maximum period of 5 years.
Cancellation	Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)
PPO Network	MultiPlan PPO Network
Coverage Length	Min 5 days - 364 days. Can be renewed up to 1820 days (5 continuous and consecutive 364 days policy period.)
Available Deductibles	Choose From: $75, $150 Ages 70 & Over: $125, $250
Available Coverage	Plan A: $50,000 per Incident Plan B: $100,000 per Incident Ages 70 & Over Plan A: $50,000 per Incident
Provider Directory	By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Plan Brochure	Inbound Immigrant Insurance Brochure
US States Restriction	Restricts Maryland(MD), Kentucky(KY) and Washington(WA) for a correspondence address
Home Country Definition	The country where the covered person has his/her true, fixed, permanent home and principal establishment.
Country Restriction	Not available to the residents of Cuba, Iran, Syria. Residents of Gambia, Ghana, Nigeria, Sierra leone needs to have a US billing address.


	Disclaimer Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.