Inbound USA-Visitors Insurance

WHO CAN BUY INBOUND® USA?

You are eligible for coverage if you are a non-United States citizen

traveling to the U.S. for business, pleasure, or to study. Your coverage

must become effective within 12 months of your arrival in the United

States.

It is your responsibility to maintain all records regarding travel history

and age and provide necessary documents to Seven Corners to verify

eligibility if required.

LENGTH OF COVERAGE

Your coverage length may vary from 5 days to 364 days. You have the

option to renew coverage in whatever increment you choose subject

to a 5 day minimum (there is a $5 fee each time you renew). You may

apply for a new period of coverage after 364 days if you return to your

home country before doing so.

Coverage Start Date - Coverage will not begin until you leave your

home country, and we receive your application and premium. This is your

effective date.

Coverage Expiration Date - Your coverage ends at 12:01 AM North

American Eastern Time on the earlier of the following: the date you return

to your home country; 364 days after your effective date; the expiration

date on your ID card; the day you become a U.S. citizen or enter into active

military service.

YOUR INSURANCE COMPANY

Inbound® USA is underwritten by Certain Underwriters at Lloyd’s of

London and is rated A “Excellent” by A.M. Best. In addition to being one

of the largest insurance entities in the world, Lloyd’s has over 300 years

of experience in the international insurance business.

SEVEN CORNERS, YOUR PROGRAM ADMINISTRATOR

Seven Corners* has administered Inbound® USA since inception.

We have provided medical and travel insurance to corporations,

international travelers, expatriates, students, overseas visitors,

immigrants and global citizens for 20 years. Seven Corners Assist, our

multilingual 24-hour assistance team, is here to answer questions. You

may see any provider of your choice. Contact information for Seven

Corners Assist is on your ID card.

*In California, operating under the name Seven Corners Insurance Services.

IMPORTANT BENEFIT HIGHLIGHTS

MEDICAL BENEFITS - If your covered injury or sickness requires

medical treatment, we will pay the coverage amounts listed in the

schedule of benefits, minus your chosen per person deductible.

Treatment must be received within 364 days of the injury or sickness.

HOME COUNTRY COVERAGE - We will pay up to $50,000 for an

illness or injury which occurs while you are on an incidental trip to

your home country (30 days per 364 days of purchased coverage or

pro rata thereof, approximately 2½ days per month).

INTERNATIONAL TRAVEL COVERAGE - If you buy at least 30 days of

coverage, you may travel to countries other than the United States for

up to 30 days. This benefit does not include travel back to your home

country, and it does not extend after your current expiration date.

 

EMERGENCY MEDICAL EVACUATION* - If medically necessary:

1. We will transport you to adequate medical facilities.

2. We will transport you home after receiving medical treatment

related to a medical evacuation.

RETURN OF MORTAL REMAINS* - We will return your remains to

your home country if you should die while traveling.

*Arrangements for evacuation & return of remains must be made by Seven Corners

Assist.

COMMON CARRIER ACCIDENTAL DEATH & DISMEMBERMENT

This benefit pays up to $25,000 for accidents occurring while you

are riding as a passenger in or on any land, water or air conveyance

transporting passengers for hire. Your loss must occur within 365 days

after the accident date. A description of the covered losses is shown

below:

For Loss of: Indemnity:

Life Principal Sum

Both Hands or Both Feet or Sight of

Both Eyes Principal Sum

One Hand and One Foot Principal Sum

Either Hand or Foot and

Sight of One Eye Principal Sum

Either Hand or Foot One-Half the Principal Sum

Sight of One Eye One-Half the Principal Sum

CLAIMS

Filing a claim is easy! Simply send the itemized bill to Seven Corners

within 90 days, along with a completed claim form. Payments can be

converted to a currency of your choosing. You’re only responsible for

your deductible & coinsurance & any non-eligible expenses.

PRE-EXISTING CONDITIONS

Pre-existing conditions are defined in detail in the policy. A brief

summary is shown here.

Pre-existing conditions include any medical condition, sickness, injury,

illness, disease, mental illness or mental nervous disorder that existed

with reasonable medical certainty during the 180 days before your

coverage on Inbound Choice began, whether or not it was previously

manifested, symptomatic, known, diagnosed, treated or disclosed. This

includes but is not limited to any medical condition, sickness, injury,

illness, disease, mental illness or mental nervous disorder for which

medical advice, diagnosis, care or treatment was recommended or

received or for which a reasonably prudent person would have sought

treatment during the 180 days before the effective date.

ACUTE ONSET

Non U.S. Citizens traveling in the United States

We pay up to the specified limit for an acute onset of a pre-existing

condition if the condition occurs in the United States during your coverage

period, & if you receive treatment in the United States within 24 hours of

the sudden & unexpected recurrence. A pre-existing condition that is

chronic, congenital or gradually worsens over time is not covered.

EXCLUSIONS AND LIMITATIONS