How does the Inbound Choice Insurance Plan Work?

This plan has been discontinued as of January 30, 2020. Consider the new and improved plan: Inbound USA Choice.. Existing policyholders are eligible to renew their current plan until April 12, 2020. For questions, reach out to


How Does the Plan Pay

Inbound Choice is a fixed dollar based limited coverage plan. The policy maximum is just the outer limit, but there are limits to every service or treatment also. The plan pays a pre-defined fixed dollar amount for every service or treatment. These specific amounts are mentioned in the plan brochure and the Description of Coverage. The policy maximum is just the outer limit.


How Does the Deductible Work

The deductible is the first amount of the covered bill that is the insured person's responsibility, before the insurance starts paying. The insured person has to first satisfy the deductible, before the insurance starts paying.

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Deductible Applied to the Fixed Benefits

The Inbound Choice plan pays a limited amount for every service and treatment. The deductible for limited coverage plans is applied to the fixed benefit amounts, and not the amount that the doctor's charge. For example, for a $50,000 policy maximum, the plan pays $3,300 for covered surgeries for people below 70 years of age. Now the surgery can cost $15,000 or $40,000, but the insurance would pay a maximum up to $3,300. If you choose a $100 deductible, the deductible would apply to the fixed amount $3,300, and not the bill amount that the providers charge. The insurance would pay $3,300 (fixed benefit amount)-$100 (deductible) = $3,200.

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Per-Incident Deductible

Inbound Choice has a per-incident deductible, i.e. deductible applies once to each separate sickness or injury. For example, if you need to go to the doctor for a fever, you are responsible for one deductible for the fever. Then the plan would pay the fixed amounts for every service or treatment related to the fever (doctors visit, lab work, x-ray etc). You do not have to pay any more deductible for follow up visits of the same sickness or injury. Now, if you need to go to the doctor for a different sickness or injury e.g. hip injury, not related to the fever, then you would be responsible for a new deductible. The plan would again cover the same fixed limited dollar amounts for every service and treatment related to the hip injury.

Where Does the Plan Cover

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Inbound Choice is essentially a USA only plan. The start date of the policy should be the date that the insured person reaches the USA, and the end date should be the date that he/she leaves the USA. It does not cover for the International flight or layover from the home country to the USA, or back to home country from USA.

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Limited International Coverage

Inbound Choice offers very limited and restrictive international travel coverage. If the insured person has the Inbound Choice policy for more than a month, and takes a short trip during their stay in the U.S., to additional international countries, then the plan would cover for that. For example if you are traveling to the U.S. for two months, and have the Inbound Choice policy, and you decide to take a 15 day trip to Mexico or Canada, the plan would cover for that.The following are the conditions for the trips outside the USA for short trips with the Inbound USA Plan:

  • The trip has to start in the U.S. and end in the U.S. The trip outside the U.S. should be sometime between the start date and end date in the U.S.
  • The total period of coverage for the policy has to be more than a month.
  • In the additional countries, outside the U.S., the plan would cover for a maximum of one month only.

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 Choice Insurance Brochure for complete details.

To see a full list of benefits, visit the Inbound Guest Plan Details Page