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
COVID-19 Excluded
acute-onset-pre-existing-condition
Acute onset of Pre-Existing Conditions
extendable-cancelable
Extendable & Cancelable
urgent-care
Urgent Care
medical-coverage-during-travel
Medical Coverage During Travel
extendable-cancelable
Basic Coverage Plan
Coverage from 5 days to 364 days
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.

Applicant's Age 14 days - 99 years

IUB

$150,000

Policy Maximum
IUB

$50,000

Policy Maximum
IUB

$100,000

Policy Maximum
Out-Patient  
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
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  
Inbound USA Insurance Brochure 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: $100,000 per Incident
Plan C: $150,000 per Incident
Ages 70 & Over
Plan D: $50,000 per Incident
Plan E: $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.