Inbound Choice
Limited Coverage- AM Best Rating
- A (Excellent)
- Carrier/Underwriter
- Lloyd's of London
- Administrator
- Seven Corners
Acute onset of Pre-Existing Conditions
Renewable & Cancelable
Basic Coverage Plan
Coverage from 5 days to 364 days
Urgent Care
Inbound Choice Insurance Plan is for visitors who are planning to stay in the U.S. for up to two years and must be purchased within 24 months of arrival in the U.S.
Inbound Choice insurance is a basic travel medical insurance plan that has fixed pre defined limit for each medical service.
You visit any doctor or hospital of your choice.
Note: Inbound Choice Plan is not available for the residents of Maryland (MD) & Washington (WA).
The following benefit table shows how much insurance pays for the given covered medical service. If the actual bill is more, the difference will be your responsibility.
Please review Inbound Choice Insurance Brochure 
and Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Applicant's Age 14 days - 69 years
| IC $50,000Policy Maximum | IC $75,000Policy Maximum | IC $100,000Policy Maximum | IC $130,000Policy Maximum | |
|---|---|---|---|---|
| Out-Patient | ||||
| Dr. / Physician Visit | ||||
| Up to $60/visit, 1/day, 10 visits max | Up to $75/visit, 1/day, 10 visits max | Up to $85/visit, 1/day, 10 visits max | Up to $115/visit, 1/day, 10 visits max | |
| Surgical Treatment | ||||
| Up to $2,100 per Incident | Up to $4,800 per Incident | Up to $5,800 per Incident | Up to $7,200 per Incident | |
| Prescription Drugs / Medicines | ||||
| Up to $250 per coverage period | Up to $250 per coverage period | Up to $250 per coverage period | Up to $250 per coverage period | |
| Lab & X-rays | ||||
| Up to $250; Additional $325 - One CAT scan, PET scan or MRI | Up to $375; Additional $325 - One CAT scan, PET scan or MRI | Up to $500; Additional $975 - One CAT scan, PET scan or MRI | Up to $575; Additional $975 - One CAT scan, PET scan or MRI | |
| Physical Therapy | ||||
| Up to $45/visit, 1/day, 12 visits | Up to $45/visit, 1/day, 12 visits | Up to $45/visit, 1/day, 12 visits | Up to $45/visit, 1/day, 12 visits | |
| In-Patient | ||||
| Hospital Room | ||||
| Up to $1,500/day, 30 day max | Up to $2,000/day, 30 day max | Up to $2,500/day, 30 day max | Up to $3,000/day, 30 day max | |
| Surgical Treatment | ||||
| Up to $2,100 per Incident | Up to $4,800 per Incident | Up to $5,800 per Incident | Up to $7,200 per Incident | |
| Hospital Intensive Care Unit | ||||
| Additional $500/day, 8 day max | Additional $500/day, 8 day max | Additional $500/day, 8 day max | Additional $500/day, 8 day max | |
| Emergency Services | ||||
| Ambulance Expenses | ||||
| Up to $500 per Incident | Up to $500 per Incident | Up to $500 per Incident | Up to $500 per Incident | |
| Emergency Room(ER) | ||||
| $200 | $500 | $575 | $750 | |
| Dental | ||||
| Acute, spontaneous and unexpected pain | ||||
| Not covered | Not covered | Not covered | Not covered | |
| Accidental emergency | ||||
| Up to $650 | Up to $650 | Up to $650 | Up to $650 | |
| Travel | ||||
| Emergency Medical Evacuation / Repatriation | ||||
| Up to $50,000 | Up to $50,000 | Up to $50,000 | Up to $50,000 | |
| Return of Remains | ||||
| Up to $25,000 | Up to $25,000 | Up to $25,000 | Up to $25,000 | |
| Trip Interruption | ||||
| Not covered | Not covered | Not covered | Not covered | |
| Loss of checked Baggage | ||||
| Not covered | Not covered | Not covered | Not covered | |
| Life | ||||
| AD&D | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | |
| Common Carrier Accidental Death | ||||
| Up to $25,000 | Up to $25,000 | Up to $25,000 | Up to $25,000 | |
| Other | ||||
| 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 $75,000 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 | Acute Onset of a Pre-existing Condition coverage for age under 70 years $130,000 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 | ||||
| Not covered | Not covered | Not covered | Not covered | |
| General Physical full Checkup | ||||
| Not covered | Not covered | Not covered | Not covered | |
| Terrorism Coverage | ||||
| Not covered | Not covered | Not covered | Not covered | |
| Brochure | ||||
| Inbound Choice Insurance Brochure | Inbound Choice Insurance Brochure | Inbound Choice Insurance Brochure | Inbound Choice Insurance Brochure | |
| Support | ||||
| 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. | 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 of London
Eligibility
Can be purchased by non-United States citizens or any visa holders (e.g. L/H/B1,B2). The Plan must become effective within twelve (12) months of arrival in the United States.
Policy Content
Policy Maximum is the maximum amount that an insurance policy will pay for covered expenses. If you choose a policy with maximum coverage of say $50,000, and your actual bills are $120,000, the insurance will pay only up to $50,000 for the covered expenses as per the policy.
Note: Policy maximum is the outer limit of the insurance company's liability for the covered expenses only. Do not assume that insurance pays for everything up to policy maximum. All applicable limits and exclusions will apply.
This type of plan pays based on fixed pre-defined benefits. Higher the policy maximum, better are the benefits. It is a good idea to select a higher policy maximum such as $100,000 or more for better benefits.
Deductible Content
Deductible is the amount that you are responsible for, before insurance company starts paying for any covered expenses. Deductible for this type of plan is applicable once per incident.
Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.
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.
Not Covered
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
Can be renewed only before policy expires. $5 renewal fee applies for every renewal. Can be renewed for a maximum of 364 days at a time. Can be renewed up to maximum of two years (728 days)
Cancellation
1) No refund available if you need to visit a doctor or hospital with the policy. Full refund available if cancelled before start date. 2) Pro-rated refund available after start date if no visits to a doctor have been made. 3) $25 Cancellation Fee Applicable. 4) Written request or e-mail is required for cancellation and refund
Coverage Length
Minimum 5 days to Maximum 364 days at one time. Can be renewed up to 728 days
Available Deductibles
Choose From: $0, $50, $100
Available Coverage
For age up to 69:
Plan A: $50,000 per Incident
Plan B: $75,000 per Incident
Plan C: $100,000 per Incident
Plan D: $130,000 per Incident
No coverage available for age 70 and over
Provider Directory
By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Plan Brochure
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
US States Restrictions
Restricts Maryland (MD), Washington (WA), New York (NY), South Dakota (SD) and Colorado (CO)
Country Restrictions
Not available to the residents of Australia, Cuba, Canada, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, US Virgin Islands, Gambia, Ghana, Nigeria and Sierra Leone.
Inbound Choice Insurance FAQs | |
| Q1: Am I eligible for the Inbound Choice plan? If you are a non-United States citizen traveling to the U.S. for a short trip, 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 364 days. | |
| Q2: Can I renew the Inbound Choice plan? Yes, you can renew your coverage in an increment of 5 days or more up to maximum of 364 days at a time. The plan can be renewed for a maximum of 728 days (2 years). You have to renew the policy before it expires. For each renewal there is a $5 fee. Policy can be renewed online. | |
| Q3: Can I cancel the Inbound Choice plan? Yes, you can cancel this plan. A written request is required for cancellation. If you request for cancellation before the effective start date, you will receive full refund back. After the start date of the policy, refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. $25 cancellation fee would apply. No refund is available if there is a claim on file. | |
| Q4. What does the Inbound Choice plan cover? Why is it so much cheaper than the comprehensive plans? The Inbound Choice covers for unexpected sickness or injury that starts, after the policy becomes effective. It does not cover for preventive care, pre-existing conditions, dental or vision. The Inbound Choice plan is a limited coverage plan. It pays a pre-defined fixed dollar amount for every service or treatment. These amounts are provided in the schedule of benefits, both in the plan brochure and Plan Description of Coverage. This plan is less expensive than comprehensive plans, because the plan offers very 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, you do not have to pay deductible each time you go to a doctor. Per-incident/per sickness or injury means that the deductible would apply separately for each different sickness or injury. But for each individual sickness or injury the deductible would apply only one time. After you meet the deductible once for a sickness or injury, the plan would pay a fixed dollar amount for every service or treatment related to that. You would not be responsible for further deductibles for follow up visits for the same sickness or injury. You would be responsible for a new deductible, only if a new unrelated sickness or injury starts. For Example: If you have flu and visit the doctor two 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: How does the Deductible Work? For the Inbound Choice plan, it is better to choose the lowest deductible available. The deductible is per/incident type, which means, you would be responsible for separate deductibles, for every unrelated sickness or injury. The limited plans pay a fixed dollar amount for every service or treatment. Also, the deductible is applied to these fixed benefit amounts, and not the amount that the doctor’s charge. For example: You choose a $50,000 policy maximum, with a $50 deductible, and you need a doctor’s consolation. You can see in the Schedule of benefits that the insurance would pay $60 for a doctor’s visit. Now the deductible of $50 would apply to the fixed benefit amounts. So in this case the plan would pay ($60-$50) = $10 towards your doctor’s visit. Whatever amount the doctor might charge, the insurance would pay only $10. If you go back again for the same situation for another consultation, then the plan would pay $60. | |
| Q7: Does this plan cover any pre-existing conditions? No, like any other travel insurance policy, the Inbound Choice does not cover for pre-existing conditions. It however does cover for an acute onset of pre-existing conditions up to the policy maximum that you choose. The acute onset of pre-existing condition coverage in once in a policy period. Also all the limited benefit amounts for each service and treatment for the Inbound Choice policy, would also apply to an acute onset of pre-existing condition situation.
Acute onset of pre-existing condition is defined as: “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. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage." For more details & exclusions regarding the pre-existing conditions, please check the Inbound Choice plan brochure. | |
| Q8: Which doctor or hospital can I go to? Inbound Choice Insurance is limited coverage plan and does not participate in any PPO Network. You can go to any doctor, hospital or provider of your choice. | |
| Q9. Do I have to pay up front, or are the doctors going to bill the insurance company directly? The billing process is the discretion of the providers. Depending on the billing practice of the service provider, they may directly bill the insurance company, or may ask you to pay up front, and get reimbursed from the insurance company. Claim process would be mandatory, whether you have to pay upfront, or the providers directly bill the insurance company. | |
| Q10. Where can I find the claim information? Claim process is mandatory for travel insurances. Even if the providers directly bill the insurance company, you would still need to follow the claim process. Please refer to the Visitor Insurance Claim Process article for more information. | |
| Q11. What information do I need to purchase this insurance? Name(s), date of birth, and passport number of the visitor(s), and a US correspondence address | |
| Q12. 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. | |
| Q13. When will I receive my ID card? The Inbound Choice plan is an online insurance policy, once you purchase the policy online you will receive a printable Id card and policy documents 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. | |
| Q14. How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance. | |
| Q15. Where can I find answers to other questions I have? Learn more from informative articles at Visitor Insurance Information section. | |
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.
