IUB

Inbound USA Basic

Limited Coverage,  Rated A (Excellent)By: Seven Corners,  UW: Lloyd'sLloyd's of London
AM Best Rating
A (Excellent)
Carrier/Underwriter
Lloyd's of London
Administrator
Seven Corners
acute-onset-pre-existing-condition
Acute onset of Pre-Existing Conditions
medical-coverage-during-travel
Medical Coverage During Travel
extendable-cancelable
Extendable & Cancelable
basic-coverage
Basic Coverage Plan
coverage-days
Coverage from 5 days to 364 days
urgent-care
Urgent Care
COVID-19 Excluded
  • We cannot accept a U.S address in: Maryland, Washington, New York, South Dakota, and Colorado.
    We cannot accept an address in: Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria and Sierra Leone.
  • This plan does not cover a claim in anyway by or resulting from:
    Coronavirus disease (COVID-19);
    Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
    Any mutation or variation of SARS-CoV-2; or
    Any fear or threat of 1, 2, or 3
BUY

Inbound USA Basic insurance plan provides coverage for non-U.S citizens traveling to the USA
Inbound USA Basic insurance plan is a limited travel medical insurance plan that has pre-fixed defined limits for each eligible medical services.
You visit any doctor or hospital of your choice.

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 USA Basic insurance Brochure brochure and Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Out-Patient

Dr. / Physician Visit

Up to $50/visit, 1/day, 30 visits maximum

Urgent Care

Up to $50/visit, 1/day, 30 visits maximum

Surgical Treatment

Up to $3,000

Prescription Drugs / Medicines

Up to $150 per period of coverage

Lab & X-rays

Up to $500 for
Diagnostic Basic (x-ray& lab tests)
&
Up to $750 for Diagnostic Comprehensive
(PET,CAT,MRI)

Physical Therapy

Up to $30/visit, 1/day
12 visits maximum

In-Patient

Hospital Room

Up to $1,000/day
30 days maximum

Surgical Treatment

Up to $3,000

Hospital Intensive Care Unit

Additional $500/day
8 days maximum

Emergency Services

Ambulance Expenses

Up to $250

Emergency Room(ER)

Up to $250

Dental

Acute, spontaneous and unexpected pain

Up to $500

Accidental emergency

Up to $500

Travel

Emergency Medical Evacuation / Repatriation

$100,000

Return of Remains

$20,000

Emergency Reunion

Not covered

Return of minor Child(ren)

Not covered

Trip Interruption

Not covered

Loss of checked Baggage

Not covered

Life

AD&D

Not Covered

Common Carrier Accidental Death

$25,000 per insured person
($125,000 per any one accident)

Other

Acute Onset

Up to $50,000 for those ages 14days-69years
Up to $25,000 for those ages 70-79years

Local Burial or Cremation

$5,000

Maternity

Not covered

Incidental Home Country Coverage

$25,000

General Physical full Checkup

Not covered

Terrorism Coverage

$25,000

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company

Seven Corners

Carrier / Underwriter

Lloyd's of London

AM Best Rating

A (Excellent)

Eligibility

Can be purchased by non-United States citizens for a short trip to the USA.

Policy Content

What is Policy Maximum?

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.

What policy maximum should I choose?

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.

Note: These suggestions are based on generic guidelines of how the insurance policy works and what can be the best possible combination for maximum benefit from this type of policy.

Deductible Content

Deductible Per Incident
What is Deductible?

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.


For example: If you visit a doctor for a medical problem, and after consultation, the doctor prescribes Medicines, X-rays, and Lab tests, then since all these services are part of one incident, your deductible will be applicable for these services only once. If you visit a doctor again after a few days for a new problem, the deductible will be applicable again for that new incident.
What deductible to choose with this Plan?

Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.

Note : For Age 70 and above, lower deductible like Zero “0“ is not available.

Plan Type

Limited Coverage Plan
Plan pays by a pre-defined fixed benefit table.

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 extended only before policy expires. A $5 extension fee applies for every extension. Can be used or extended for a maximum of 364 days.

Cancellation

1) No refund available if you need to visit doctors with the policy.
Full refund available if cancelled before start date. 2) Pro-rated refund available after start date if no visits the doctors have been made.
3) $25 Cancellation Fee Applicable.
4) Written request or e-mail is required for any cancellation and refund

Coverage Length

Minimum 5 days to Maximum 364 days

Available Deductibles

Choose From: $0, $50, $100
Ages 70 & Over: $100, $200

Available Coverage

Plan A: $50,000 per Incident
Plan B: $75,000 per Incident
Plan C: $100,000 per Incident
Plan D: $125,000 per Incident
Plan E: $150,000 per Incident
Ages 70 & Over
Plan F: $50,000 per Incident
Plan G: $75,000 per Incident.
Plan H: $100,000 per Incident.

Provider Directory

By Provider, Phone Nos. : 800-335-0477 or 317-575-2656

Plan Brochure

Inbound USA Insurance Brochure brochure

Home Country Definition

The country where the covered person has his/her true, fixed, permanent home and principal establishment.

US States Restrictions

Restricts address in Maryland (MD), Washington (WA), New York (NY), South Dakota (SD) and Colorado (CO)

Country Restrictions

We cannot accept an address in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.

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.