Claims

You will find a quick summary of questions and instructions for filing a claim below.

Steps for filing a claim

  1. To start, we need to know what type of plan you purchased. You can find this information on your: I.D. card, your policy, or your coverage letter. If you created an account with us, a list of your plan purchases is stored in My Account.
    • If you purchased one of our RoundTrip plans, visit our trip protection claims page.
    • If you purchased Captum Kidnap & Ransom, call Security Exchange: 1-305-384-4825 (United States, Canada, & Caribbean) +44 20 3284 8844 (International)
    • For all other plans, you’re in the right place to find information about filing your claim.
  2. Sign and complete the appropriate Proof of Loss Form from the list below.
  3. Collect the following documents and submit them with your completed Proof of Loss Form.
    • Copies of your Passport including the identification page and the entry/exit stamps from the past 12 months
    • Detailed bills for services received
    • Receipts for payments made
    • Any other supporting medical documentation provided
  4. Submit all of the documents to Seven Corners using one of these methods:

Forms

Here you will find a current collection of Seven Corners’ claim forms for our travel medical, student/study abroad, global insurance, visitor and immigrant medical programs.

Travel Medical Forms

Medical Claim Form/Proof Of Loss Form English Download
Medical Claim Form/Proof Of Loss Form French Download
Medical Claim Form/Proof Of Loss Form Spanish Download
Medical Claim Form/Proof Of Loss Form Portuguese Download
Medical Claim Form/Proof Of Loss Form Chinese Download
Payment Authorization Form Download Now
Baggage Claim Form Download Now
Trip Cancellation, Delay & Interruption Form Download Now

Medical Tourism Forms

Bordercross Worldwide Accident/Sickness Claim Form Download Now
Bordercross Worldwide Baggage Claim Form Download Now
Bordercross Worldwide Trip Cancellation Claim Form Download Now

Markel Student Accident Forms

Collegiate Accident Form Download Now
Public K-12 Form Download Now
Private K-12 Form Download Now
Fraternity & Sorority (MAPP) Form Download Now

FAQs

Substitution of a different payee (not the insured) on a claim reimbursement can be accomplished, but authorization from the insured is needed.

 

A written document must be provided and signed by the insured, authorizing Seven Corners to reimburse the other party named in the document. This document is required to protect all parties from possible incorrect payment of funds. An address must be listed in the document stating where claims payments should be sent. Please keep in mind that claims must be submitted within 90 days from the date of service.

We have the ability to send claim reimbursements by check (in U.S. dollars only), wire transfer or ACH transfer. Reimbursements are issued based upon the instructions you provide on the Payment Authorization Form. This can be found on page 4 of the Proof of Loss claim form, and should be submitted with the rest of your documents to Claims@SevenCorners.com.

 

You may appeal the decision made on your claim by filing an appeal with us. Please visit our appeals section below for instructions on how to file an appeal. 

 

We will have your documents translated. If the claim is considered eligible, you will be reimbursed in U.S. dollars, based on the exchange rate for the U.S. dollar on your date of service. Please keep in mind that claims must be submitted within 90 days from the date of service.

Appeal a Claim

Claims Appeals received in writing with supporting medical information will be addressed by Seven Corners within 30 days of receipt.

  1. Download our sample letter form to your desktop, fill out your information, and save the letter.
  2. Include as much detail as possible to explain why you believe your claim should be paid. Make sure to provide the information shown in red, as we need this to properly identify your claim.
  3. If you have additional information we have not received, such as medical records, attach them to the letter. Please note that we have a mailbox limit of 10MB for attachments. If you have a larger attachment, please send it separately.
  4. Mail: Seven Corners, Inc., Attn: Claims, 303 Congressional Boulevard, Carmel, IN 46032 USA
    Fax: (+01) 317-575-2256
    email: claims@sevencorners.com

Understanding the Appeal Process

If your claim has been denied, and you’ve received a letter from us explaining why it was denied, you have the option to appeal our decision. Simply disagreeing with our decision is not sufficient to change the denial. Your claim was processed by licensed analysts who are trained at interpreting policy language.

The original determination will remain in place unless we receive documented proof that an error occurred. This means that you must submit additional documentation, not previously considered, in order to file an appeal.  If you simply disagree with the determination without supporting documentation, this will be considered correspondence only and be handled accordingly.

When you send us your appeal letter, it must identify the reason you believe an error was made:

  • Factual
    • Is the effective date incorrect? You need to provide proof of the different effective date such as purchase request, confirmation, etc. 
    • Was there an error in the medical records? You need to provide corrected medical records, along with a written explanation from the medical provider (physician, hospital, therapist,etc.), where he or she explains the error. 
    • Was pertinent information left off your original Proof of Loss form? You need to send us a corrected Proof of Loss, with the updated information identified. 
  • Exclusions - Please review the exclusions section of your policy. If one or several exclusions are related to your claim denial, this is explained in our letter. You will need to provide documentation which proves that the exclusions do not apply. 
  • Timeliness - Was your claim denied for timely filing?
    • You will need to submit proof of when you filed your claim if we received it after the required 90 days. 
    • If you submitted your claim more than 90 days after the date of service, you need to provide a written explanation of why you did not file your claim within the 90-day requirement.
Claims are not accepted for consideration if they are received more than 12 months from the date of service. 

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