Schedule of Benefits

All coverages are in U.S. Dollar amounts.
Except as indicated otherwise, all benefits are subject to deductible and coinsurance and are per person per period of coverage.

Swipe chart to view all columns.
Coverage Territory Worldwide
Medical Maximums $40,000 Medical Maximum for injuries incurred while participating in covered Underwater Recreational Activities. (age 80+, maximum limited to $2,500)
Deductible $50 per person per Occurrence
Coinsurance After You pay the Deductible, the plan pays 100% to the selected Medical Maximum
Emergency Medical Evacuation/Repatriation $50,000
Return of Mortal Remains $50,000
Emergency Medical Reunion $50,000
Local Ambulance Benefit $5,000
Accidental Death & Dismemberment (AD&D) $50,000 principle sum for Insured
Loss of Scuba Equipment $500
Hospital Room & Board Usual, Reasonable and Customary to the selected Medical Maximum
Intensive Care Usual, Reasonable and Customary to the selected Medical Maximum
Outpatient Medical Expenses Usual, Reasonable and Customary to the selected Medical Maximum
Hazardous Sports Coverage Included
Underwater Recreational Activities Coverage Covered activities: apnoea, aquathlon, finswimming, underwater hockey, orienteering, underwater rugby, spearfishing, sport diving (excluding solo diving), visual and target shooting.
Personal Liability $10,000
24 hour Travel Assistance Services Included
Benefit Period 180 days

Your Benefits

Medical Expenses: The plan pays Reasonable and Customary charges for Covered Expenses, excess of the chosen Deductible and Coinsurance up to the Medical Maximum, due to an Accidental Injury which occurred during the Period of Coverage while participating in a covered Underwater Recreational Activity and/or traveling to and from a sanctioned World Underwater Federation Event. All bodily disorders existing simultaneously which are due to the same or related causes shall be considered one Disablement. If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. The initial treatment of an Injury must occur within 30 days of the date of Injury. Only such expenses which are specifically enumerated in the following list of charges and are incurred within 180 days from the date of accident and which are not excluded shall be considered Covered Expenses:

  1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.
  2. Charges made for Intensive Care or Coronary Care charges and nursing services.
  3. Charges made for diagnosis, Treatment and Surgery by a Physician.
  4. Charges made for an operating room.
  5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
  6. Charges made for the cost and administration of anesthetics.
  7. Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, iron lungs, and medical Treatment.
  8. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.
  9. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.
  10. Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the amount stated in the Schedule of Benefits, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
  11. Charges made for hyperbaric chamber Treatment resulting from a covered diving incident.

Emergency Medical Evacuation/Repatriation* – The plan will pay Covered Expenses up to the maximum in the Schedule of Benefits for a covered Injury that begins during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation. Emergency Medical Evacuation or Repatriation means: a) Your medical condition warrants immediate transportation from the medical facility where You are located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a covered Emergency Medical Evacuation, Your medical condition warrants transportation with a qualified medical attendant to Your Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route.

The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Return of Mortal Remains* – The plan will pay reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return Your remains to Your Home Country if You should die. Covered Expenses include expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations.

Emergency Medical Reunion* – When an Emergency Medical Evacuation/Repatriation is ordered, and the attending Physician recommend a family member travel with You, the plan will arrange and pay up to the maximum in the Schedule of Benefits for roundtrip economy-class transportation for one person of Your choice from Your Home Country to be at Your side while You are hospitalized. The benefits payable include: (1) The cost of round-trip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day); (3) The period of Emergency Medical Reunion cannot exceed 10 days, including travel.

*These benefits must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Accidental Death & Dismemberment – Benefits will be paid if You sustain an Accidental Injury during the Period of Coverage which results in death or dismemberment within 365 days from the date of Accident. Benefits paid will be according to the table shown in the plan document. If You incur more than one Loss, only the largest amount will be paid.

Loss of Checked Scuba Diving Equipment – The plan will reimburse You for lost scuba diving equipment checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The scuba diving equipment must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

  1. The actual cash value (cost less proper deduction for depreciation at the time of loss);
  2. The cost to repair or replace the article with material of a like kind and quality

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

Personal Liability: Subject to the Limits set forth in the Schedule of Benefits, and subject to the Conditions and Restrictions contained in this provision, Underwriters will pay or reimburse You for eligible court-entered judgments or Company-approved settlements arising as a result of or in connection with the personal liability You incurred for acts, omissions and other occurrences covered under this insurance for losses or damages solely, directly and proximately caused by Your negligent acts or omissions during the Period of Coverage that result in the following:

  1. Injury to a Third Person occurring during the Period of Coverage; and/or
  2. Damage or loss to a Third Person’s personal property during the Period of Coverage; and/or
  3. Damage or loss to a Related Third Person’s personal property during the Period of Coverage.

The maximum payable under this benefit is up to the maximum stated in the Schedule of Benefits.

With respect to covered and eligible personal liability claims, Underwriters will pay You for associated reasonable legal fees and out-of-pocket costs incurred by You with respect to the determination and/or settlement of such legal liability.

The following is a list of exclusions from the plan. No Benefit shall be payable for Accident Medical, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Emergency Medical Reunion, as the result of:

  • Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate.
  • Injury which is not presented to the Underwriter for payment within 90 days of receiving Treatment;
  • Charges for Treatment of an Illness;
  • Charges for Treatment which is not Medically Necessary;
  • Charges provided at no cost to You;
  • Charges for Treatment which exceeds Reasonable and Customary charges;
  • Charges incurred for Surgery or treatments which are, Experimental/Investigational, or for research purposes;
  • Services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  • Suicide, or any attempt thereof, while sane or self destruction or any attempt thereof, while sane;
  • War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the insured person or the country in, or over which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether war be declared with that state or not. For the purpose of this Exclusion;
    1. Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals.
    2. Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals.
    3. Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals.
    Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
  • Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics.
  • Injury sustained while participating in any amateur athletics, which are not, listed in the Underwater Recreational Activities and sanctioned by CMAS.
  • Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a disablement established by a prior call or attendance of a Physician;
  • Treatment of the temporomandibular joint;
  • Vocational, speech, recreational or music therapy;
  • Services or supplies performed or provided by a relative of Yours, or anyone who lives with You;
  • Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this plan, treatment of a deviated nasal septum shall be considered a cosmetic condition;
  • Elective Surgery which can be postponed until You return to Your Home Country, where the objective of the trip is to seek medical advice, treatment or Surgery;
  • Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;
  • Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;
  • Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent;
  • Injury sustained or Disablement due wholly or partly to the Insured being intoxicated as defined and determined by the laws of the state where the Injury occurred; or to the Insured being under the influence of any narcotic, unless administered on the advice of a Physician;
  • Any Mental and Nervous disorders or rest cures;
  • Congenital abnormalities and conditions arising out of or resulting there from;
  • Expenses which are non-medical in nature;
  • Expenses as a result of or in connection with intentionally self-inflicted Injury or Illness;
  • Expenses as a result of or in connection with the commission of a felony offense;
  • Injury sustained while taking part in Mountaineering, paragliding, zip lining, parasailing, racing by any animal or motor vehicle or motorcycle, scuba diving involving underwater breathing apparatus (unless CMAS, SSI, PADI or NAUI certified or diving with person whom is CMAS, SSI, PADI or NAUI certified), solo diving, snow skiing and snowboarding (except for recreational downhill and/or cross country snow skiing or snowboarding). No cover provided while skiing/boarding in any violation of applicable laws, rules or regulations, away from prepared and marked in-bound territories; and/or against the advice of the local ski school or local authoritative body; and any sport or athletic activity which is undertaken for thrill seeking and exposes the Plan Participant to abnormal or extreme risk of injury.
  • Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government plan or facility set up for treatment without any cost to You;
  • Treatment of venereal disease, including all sexually transmitted diseases and conditions, and any and all consequences thereof;
  • Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this plan; Routine Dental Treatment;
  • For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage;
  • For miscarriage resulting from Accident or complications of Pregnancy;
  • Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof;
  • Treatment for human organ tissue transplants and their related treatment;
  • Expenses incurred while in Your Home Country;
  • Expenses incurred during a Hospital emergency visit which is not of an emergency nature;
  • Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical treatment for a condition;
  • Covered Expenses incurred during a Trip after Your Physician has limited or restricted travel;
  • This plan does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act.
  • Sex change operations, or for treatment of sexual dysfunction or sexual inadequacy;
  • Weight reduction programs or the surgical treatment of obesity;
  • Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), Aids-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV).
  • Treatment for learning disabilities, attitudinal disorders, or disciplinary problems;
  • Expenses for Durable medical equipment;
  • The activities of open water sport (this exclusion applies only to the CMAS Pool Sport plan).

Accident or Accidental shall mean an event, independent of Illness or self-inflicted means, which is the direct cause of bodily Injury to an Insured Person.

Administrator shall mean Seven Corners, Inc.

Airworthiness Certificate or Airworthy Certificate shall mean the “Standard” Airworthiness Certificate issued by the Federal Aviation Agency of the United States or its foreign equivalent issued by the government authority having jurisdiction over civil aviation in the country of its registry.

Benefit Period shall mean the one hundred and eighty (180) days following the onset of an Eligible Accident, Injury in which to receive Medically Necessary Covered Expenses. If Your plan terminates during Your Benefit Period, You will still be eligible to receive Treatment so long as the Treatment is within Your Benefit Period and outside Your Home Country.

Coinsurance shall mean the percentage amount of Covered Expenses, after the Deductible, which is Your responsibility to pay.

Common Carrier shall mean any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

Congenital shall mean a physical abnormality or condition that is present at birth, whether inherited or caused by the environment.

Covered Expense shall mean “Eligible Benefit”.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

Disablement (as used with respect to medical expenses) shall mean an Accidental bodily Injury necessitating medical Treatment by a Physician.

Eligible Benefit(s) shall mean benefits payable by the Company to reimburse expenses which are for Medically Necessary services, supplies, care, or Treatment; due to Injury; prescribed, performed or ordered by a Physician; Reasonable and Customary charges; incurred while insured under this program and which do not exceed the maximum benefit.

Experimental/Investigational means all services or supplies associated with: 1)Treatment or diagnostic evaluation which is not generally and widely accepted in the practice of medicine in the United States of America or which does not have evidence of effectiveness documented in peer reviewed articles in medical journals published in the United States. For the Treatment or diagnostic evaluation to be considered effective such articles should indicate that it is more effective than others available; or if less effective than other available Treatments or diagnostic evaluations, is safer or less costly; 2) A drug which does not have FDA marketing approval; 3) A medical device which does not have FDA marketing approval; or has FDA approval under 21 CFR 807.81, but does not have evidence of effectiveness for the proposed use documented in peer reviewed articles in medical journals published in the United States. For the device to be considered effective, such articles should indicate that it is more effective than other available devices for the proposed use; or if less effective than other available devises, or is safer or less costly. The Underwriter will make the final determination as to whether a service or supply is Experimental/Investigational.

Home Country shall mean the country where You have Your true, fixed and permanent home and principal establishment.

Hospital shall mean a place that 1) Is legally operated for the purpose of providing medical care and Treatment(s) to Sick or Injured persons for which a charge is made that the Insured Person(s) is legally obligated to pay in the absence of insurance 2) Provides such care and Treatment(s) in medical, diagnostic, or surgical facilities on its premises, or those prearranged for its use; 3) Provides 24-hour nursing service under the supervision of a Registered Nurse at all times; and 4) Operates under the supervision of a staff of one or more Physician(s). Hospital also means a place that is accredited as a Hospital by the Joint Commission on Accreditation of Hospitals, American Osteopathic Association, or the Joint Commission on Accreditation of Health Care Organizations (JCAHO). Hospital does not mean:

  • A Convalescent, nursing, or rest home or facility, or a home for the aged;
  • A place mainly providing Custodial, Educational, or Rehabilitative Care; or
  • A facility mainly used for the Treatment(s) of drug addicts or alcoholics.

Host Country shall mean any country other than the country where an Insured Person has his or her true, fixed and permanent home and principal establishment.

Illness shall mean a sickness, disorder, illness, pathology, abnormality, malady, morbidity, affliction, disability, defect, handicap, deformity, birth defect, congenital defect, symptomatology, syndrome, malaise, infection, infirmity, ailment, disease of any kind, or any other medical, physical or health condition. Provided, however, that Illness does not include learning disabilities, or attitudinal or disciplinary problems. All Illnesses that exist simultaneously or which arise subsequent to a prior Illness and which directly or indirectly relate to or result or arise from the same or related causes or as a consequence thereof or from one another are considered to be one Illness. Further, if a subsequent Illness results or arises from causes or consequences that are the same as or related to the causes or consequences of a prior Illness, the subsequent Illness will be deemed to be a continuation of the prior Illness and not a separate Illness.

Injury shall mean Accidental bodily Injury or injuries caused by an Accident which occurs after the Effective Date of this policy. The Injury must be the direct cause of the loss, independent of disease or bodily infirmity.

Inpatient shall mean if You are confined in an institution and are charged for room and board.

Insured or Insured Person shall mean a person eligible for benefits under the Policy who has applied for coverage and is named on the application and for whom the Company has accepted premium.

Intensive Care shall mean a cardiac care unit or other unit or area of a Hospital which meets the required standards of the Joint Commission on Accreditation of Hospitals for Special Care Units.

Medically Necessary shall mean services and supplies received while insured that are determined by the Company to be: 1) appropriate and necessary for the symptoms, diagnosis, or direct care and Treatment of the Insured Person’s medical conditions; 2) within the standards the organized medical community deems good medical practice for the Insured Person’s condition; 3) not primarily for the convenience of the Insured Person, the Insured Person’s Physician or another Service Provider or person; 4) not Experimental/Investigational or unproven, as recognized by the organized medical community, or which are used for any type of research program or protocol; and 5) not excessive in scope, duration, or intensity to provide safe and adequate, and appropriate Treatment. For Hospital stays, this means that acute care as an Inpatient is necessary due to the kinds of services the Insured Person is receiving or the severity of the Insured Person’s condition, in that safe and adequate care cannot be received as an Outpatient or in a less intensified medical setting. The fact that any particular Physician may prescribe, order, recommend, or approve a service, supply, or level of care does not, of itself, make such Treatment Medically Necessary or make the charge of a Covered Expense under this Policy.

Mental Illness and Mental and Nervous Disorder shall mean any mental, nervous, or emotional Illness which generally denotes an Illness of the brain with predominant behavioral symptoms; or an Illness of the mind or personality, evidenced by abnormal behavior; or an Illness or disorder of conduct evidenced by socially deviant behavior. Mental or Nervous Disorders include without limitation: psychosis; depression; schizophrenia; bipolar affective disorder; any disease or condition, regardless of whether the cause is organic, that is classified as a Mental Disorder in the current edition of the International Classification of Diseases as published by the U.S. Department of Health and Human Services; and those psychiatric and other Mental Illnesses listed in the current edition of the Diagnostic and Statistical Manual for Mental Disorders published by the American Psychiatric Association. Mental Illness and Mental and Nervous Disorder does not mean or include learning disabilities, attitudinal disorders or disciplinary problems. For purposes of this insurance, Mental Illness and Mental and Nervous Disorder do not include Substance Abuse.

Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either: 1) utilizing harnesses, ropes, crampons or ice axes; or 2) ascending 4,500 meters or above. Outpatient shall mean if You receive care in a Hospital or another institution, including; ambulatory surgical center; convalescent/skilled nursing facility; or Physician’s office, for an Illness or Injury, but who is confined and is not charged for room and board.

Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute.

Period of Coverage or Policy Period shall mean the Period of Coverage issued by the Underwriter to the Insured Person, typically beginning with the Effective Date and ending with the Expiration Date or the date coverage is renewed by the Underwriter.

Physician(s) or Surgeon shall mean a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform Surgery(ies) in accordance with the laws of the jurisdiction where such professional services are performed.

Pre-existing Conditions shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically 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 36 month period immediately preceding the effective date of coverage under this policy.

Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The determination considers:

  1. Amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury in connection with which such services and supplies are received;
  2. Any usual medical circumstances requiring additional time, skill or experience; and
  3. Other factors included but not limited to, a resource based relative value scale.

Relative shall mean spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, step-sibling, in-laws (parent, son, daughter, brother and sister), aunt, uncle, niece, nephew, legal guardian, ward, or cousin of the Insured Person.

Service Provider shall mean a Hospital, convalescent/skilled nursing facility, ambulatory surgical center, psychiatric Hospital, community mental health center, residential treatment facility, psychiatric treatment facility, alcohol or drug dependency treatment center, birthing center, Physician, dentist, chiropractor, licensed medical practitioner, nurse, medical laboratory, assistance service company, air/ground ambulance firm, or any other such facility that the Company approves.

Sound Natural Tooth is a tooth that is whole or properly restored; is without impairment, periodontal or other conditions; is not more susceptible to Injury than a virgin tooth, and is not in need of the Treatment provided for any reason other than Accidental Injury. A tooth previously restored with a crown, inlay, onlay, or porcelain restoration, or Treated by endodontics is not a Sound Natural Tooth.

Substance Abuse shall mean a condition brought about when an individual uses alcohol, chemicals or any other drug(s) in such a manner that his/her health and/or judgment is impaired and/or ability to control actions is lost. Surgery shall mean an invasive diagnostic procedure; or the treatment of Illness or Injury by manual or instrumental operations performed by a Physician while the patient is under general or local anesthesia.

Terrorism shall mean an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorism can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorism can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s).

Traveling Companion shall mean spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, step-sibling, in-laws (parent son, daughter, brother, or sister), aunt, uncle, niece, nephew, legal guardian, ward, or business partner of the Insured Person.

Treatment means a specific in-office or Hospital physical examination of or care rendered to You, consultation, diagnostic procedures and services, Surgery, medical services and supplies including medication prescribed or provided by a Service Provider.

Underwriter shall mean Certain Underwriters at Lloyds, London.

You or Your shall mean the Primary Insured Person

CMAS I.D. Card

Upon enrollment into CMAS Pool Sport Plan or CMAS Pool and Open Water Sport Plan, you are eligible to use any of the assistance services provided by Seven Corners.

  • Open 24 hours/day, 365 days a year
  • Multi-lingual personnel
  • Physicians / Nurses on staff
  • Help locating medical facilities

Download Now

24/7 Travel Assistance

Seven Corners is here to help

From arranging emergency medical evacuations to helping you locate an embassy or providing you with medical and travel advisories and anything in between, our multilingual team is available 24/7.

Learn More

Schedule of Benefits

All coverages are in U.S. Dollar amounts.
Except as indicated otherwise, all benefits are subject to deductible and coinsurance and are per person per period of coverage.

Swipe chart to view all columns.
Coverage Territory Worldwide
Medical Maximums $40,000 Medical Maximum for injuries incurred while participating in covered Underwater Recreational Activities. (age 80+, maximum limited to $2,500)
Deductible $50 per person per Occurrence
Coinsurance After You pay the Deductible, the plan pays 100% to the selected Medical Maximum
Emergency Medical Evacuation/Repatriation $50,000
Return of Mortal Remains $50,000
Emergency Medical Reunion $50,000
Local Ambulance Benefit $5,000
Accidental Death & Dismemberment (AD&D) $50,000 principle sum for Insured
Loss of Scuba Equipment $500
Hospital Room & Board Usual, Reasonable and Customary to the selected Medical Maximum
Intensive Care Usual, Reasonable and Customary to the selected Medical Maximum
Outpatient Medical Expenses Usual, Reasonable and Customary to the selected Medical Maximum
Hazardous Sports Coverage Included
Underwater Recreational Activities Coverage Covered activities: apnoea, aquathlon, finswimming, underwater hockey, orienteering, underwater rugby, spearfishing, sport diving (excluding solo diving), visual and target shooting.
24 hour Travel Assistance Services Included
Benefit Period 180 days

Your Benefits

Medical Expenses: The plan pays Reasonable and Customary charges for Covered Expenses, excess of the chosen Deductible and Coinsurance up to the Medical Maximum, due to an Accidental Injury which occurred during the Period of Coverage while participating in a covered Underwater Recreational Activity. All bodily disorders existing simultaneously which are due to the same or related causes shall be considered one Disablement. If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. The initial treatment of an Injury must occur within 30 days of the date of Injury. Only such expenses which are specifically enumerated in the following list of charges and are incurred within 180 days from the date of accident and which are not excluded shall be considered Covered Expenses:

  1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.
  2. Charges made for Intensive Care or Coronary Care charges and nursing services.
  3. Charges made for diagnosis, Treatment and Surgery by a Physician.
  4. Charges made for an operating room.
  5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
  6. Charges made for the cost and administration of anesthetics.
  7. Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, iron lungs, and medical Treatment.
  8. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.
  9. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.
  10. Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the amount stated in the Schedule of Benefits, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
  11. Charges made for hyperbaric chamber Treatment resulting from a covered diving incident.

Emergency Medical Evacuation/Repatriation* – The plan will pay Covered Expenses up to the maximum in the Schedule of Benefits for a covered Injury that begins during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation. Emergency Medical Evacuation or Repatriation means: a) Your medical condition warrants immediate transportation from the medical facility where You are located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a covered Emergency Medical Evacuation, Your medical condition warrants transportation with a qualified medical attendant to Your Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route.

The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Return of Mortal Remains* – The plan will pay reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return Your remains to Your Home Country if You should die. Covered Expenses include expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations.

Emergency Medical Reunion* – When an Emergency Medical Evacuation/Repatriation is ordered, and the attending Physician recommend a family member travel with You, the plan will arrange and pay up to the maximum in the Schedule of Benefits for roundtrip economy-class transportation for one person of Your choice from Your Home Country to be at Your side while You are hospitalized. The benefits payable include: (1) The cost of round-trip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day); (3) The period of Emergency Medical Reunion cannot exceed 10 days, including travel.

*These benefits must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Accidental Death & Dismemberment – Benefits will be paid if You sustain an Accidental Injury during the Period of Coverage which results in death or dismemberment within 365 days from the date of Accident. Benefits paid will be according to the table shown in the plan document. If You incur more than one Loss, only the largest amount will be paid.

Loss of Checked Scuba Diving Equipment – The plan will reimburse You for lost scuba diving equipment checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The scuba diving equipment must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

  1. The actual cash value (cost less proper deduction for depreciation at the time of loss);
  2. The cost to repair or replace the article with material of a like kind and quality

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

The following is a list of exclusions from the plan. No Benefit shall be payable for Accident Medical, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Emergency Medical Reunion, as the result of:

  • Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate.
  • Injury which is not presented to the Underwriter for payment within 90 days of receiving Treatment;
  • Charges for Treatment of an Illness;
  • Charges for Treatment which is not Medically Necessary;
  • Charges provided at no cost to You;
  • Charges for Treatment which exceeds Reasonable and Customary charges;
  • Charges incurred for Surgery or treatments which are, Experimental/Investigational, or for research purposes;
  • Services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  • Suicide, or any attempt thereof, while sane or self destruction or any attempt thereof, while sane;
  • War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the insured person or the country in, or over which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether war be declared with that state or not. For the purpose of this Exclusion;
    1. Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals.
    2. Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals.
    3. Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals.
    Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
  • Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics.
  • Injury sustained while participating in any amateur athletics, which are not, listed in the Underwater Recreational Activities and sanctioned by CMAS.
  • Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a disablement established by a prior call or attendance of a Physician;
  • Treatment of the temporomandibular joint;
  • Vocational, speech, recreational or music therapy;
  • Services or supplies performed or provided by a relative of Yours, or anyone who lives with You;
  • Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this plan, treatment of a deviated nasal septum shall be considered a cosmetic condition;
  • Elective Surgery which can be postponed until You return to Your Home Country, where the objective of the trip is to seek medical advice, treatment or Surgery;
  • Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;
  • Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;
  • Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent;
  • Injury sustained or Disablement due wholly or partly to the Insured being intoxicated as defined and determined by the laws of the state where the Injury occurred; or to the Insured being under the influence of any narcotic, unless administered on the advice of a Physician;
  • Any Mental and Nervous disorders or rest cures;
  • Congenital abnormalities and conditions arising out of or resulting there from;
  • Expenses which are non-medical in nature;
  • Expenses as a result of or in connection with intentionally self-inflicted Injury or Illness;
  • Expenses as a result of or in connection with the commission of a felony offense;
  • Injury sustained while taking part in Mountaineering, paragliding, zip lining, parasailing, racing by any animal or motor vehicle or motorcycle, scuba diving involving underwater breathing apparatus (unless CMAS, SSI, PADI or NAUI certified or diving with person whom is CMAS, SSI, PADI or NAUI certified), solo diving, snow skiing and snowboarding (except for recreational downhill and/or cross country snow skiing or snowboarding). No cover provided while skiing/boarding in any violation of applicable laws, rules or regulations, away from prepared and marked in-bound territories; and/or against the advice of the local ski school or local authoritative body; and any sport or athletic activity which is undertaken for thrill seeking and exposes the Plan Participant to abnormal or extreme risk of injury.
  • Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government plan or facility set up for treatment without any cost to You;
  • Treatment of venereal disease, including all sexually transmitted diseases and conditions, and any and all consequences thereof;
  • Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this plan; Routine Dental Treatment;
  • For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage;
  • For miscarriage resulting from Accident or complications of Pregnancy;
  • Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof;
  • Treatment for human organ tissue transplants and their related treatment;
  • Expenses incurred while in Your Home Country;
  • Expenses incurred during a Hospital emergency visit which is not of an emergency nature;
  • Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical treatment for a condition;
  • Covered Expenses incurred during a Trip after Your Physician has limited or restricted travel;
  • This plan does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act.
  • Sex change operations, or for treatment of sexual dysfunction or sexual inadequacy;
  • Weight reduction programs or the surgical treatment of obesity;
  • Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), Aids-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV).
  • Treatment for learning disabilities, attitudinal disorders, or disciplinary problems;
  • Expenses for Durable medical equipment;
  • The activities of open water sport (this exclusion applies only to the CMAS Pool Sport plan).

Accident or Accidental shall mean an event, independent of Illness or self-inflicted means, which is the direct cause of bodily Injury to an Insured Person.

Administrator shall mean Seven Corners, Inc.

Airworthiness Certificate or Airworthy Certificate shall mean the “Standard” Airworthiness Certificate issued by the Federal Aviation Agency of the United States or its foreign equivalent issued by the government authority having jurisdiction over civil aviation in the country of its registry.

Benefit Period shall mean the one hundred and eighty (180) days following the onset of an Eligible Accident, Injury in which to receive Medically Necessary Covered Expenses. If Your plan terminates during Your Benefit Period, You will still be eligible to receive Treatment so long as the Treatment is within Your Benefit Period and outside Your Home Country.

Coinsurance shall mean the percentage amount of Covered Expenses, after the Deductible, which is Your responsibility to pay.

Common Carrier shall mean any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

Congenital shall mean a physical abnormality or condition that is present at birth, whether inherited or caused by the environment.

Covered Expense shall mean “Eligible Benefit”.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

Disablement (as used with respect to medical expenses) shall mean an Accidental bodily Injury necessitating medical Treatment by a Physician.

Eligible Benefit(s) shall mean benefits payable by the Company to reimburse expenses which are for Medically Necessary services, supplies, care, or Treatment; due to Injury; prescribed, performed or ordered by a Physician; Reasonable and Customary charges; incurred while insured under this program and which do not exceed the maximum benefit.

Experimental/Investigational means all services or supplies associated with: 1)Treatment or diagnostic evaluation which is not generally and widely accepted in the practice of medicine in the United States of America or which does not have evidence of effectiveness documented in peer reviewed articles in medical journals published in the United States. For the Treatment or diagnostic evaluation to be considered effective such articles should indicate that it is more effective than others available; or if less effective than other available Treatments or diagnostic evaluations, is safer or less costly; 2) A drug which does not have FDA marketing approval; 3) A medical device which does not have FDA marketing approval; or has FDA approval under 21 CFR 807.81, but does not have evidence of effectiveness for the proposed use documented in peer reviewed articles in medical journals published in the United States. For the device to be considered effective, such articles should indicate that it is more effective than other available devices for the proposed use; or if less effective than other available devises, or is safer or less costly. The Underwriter will make the final determination as to whether a service or supply is Experimental/Investigational.

Home Country shall mean the country where You have Your true, fixed and permanent home and principal establishment.

Hospital shall mean a place that 1) Is legally operated for the purpose of providing medical care and Treatment(s) to Sick or Injured persons for which a charge is made that the Insured Person(s) is legally obligated to pay in the absence of insurance 2) Provides such care and Treatment(s) in medical, diagnostic, or surgical facilities on its premises, or those prearranged for its use; 3) Provides 24-hour nursing service under the supervision of a Registered Nurse at all times; and 4) Operates under the supervision of a staff of one or more Physician(s). Hospital also means a place that is accredited as a Hospital by the Joint Commission on Accreditation of Hospitals, American Osteopathic Association, or the Joint Commission on Accreditation of Health Care Organizations (JCAHO). Hospital does not mean:

  • A Convalescent, nursing, or rest home or facility, or a home for the aged;
  • A place mainly providing Custodial, Educational, or Rehabilitative Care; or
  • A facility mainly used for the Treatment(s) of drug addicts or alcoholics.

Host Country shall mean any country other than the country where an Insured Person has his or her true, fixed and permanent home and principal establishment.

Illness shall mean a sickness, disorder, illness, pathology, abnormality, malady, morbidity, affliction, disability, defect, handicap, deformity, birth defect, congenital defect, symptomatology, syndrome, malaise, infection, infirmity, ailment, disease of any kind, or any other medical, physical or health condition. Provided, however, that Illness does not include learning disabilities, or attitudinal or disciplinary problems. All Illnesses that exist simultaneously or which arise subsequent to a prior Illness and which directly or indirectly relate to or result or arise from the same or related causes or as a consequence thereof or from one another are considered to be one Illness. Further, if a subsequent Illness results or arises from causes or consequences that are the same as or related to the causes or consequences of a prior Illness, the subsequent Illness will be deemed to be a continuation of the prior Illness and not a separate Illness.

Injury shall mean Accidental bodily Injury or injuries caused by an Accident which occurs after the Effective Date of this policy. The Injury must be the direct cause of the loss, independent of disease or bodily infirmity.

Inpatient shall mean if You are confined in an institution and are charged for room and board.

Insured or Insured Person shall mean a person eligible for benefits under the Policy who has applied for coverage and is named on the application and for whom the Company has accepted premium.

Intensive Care shall mean a cardiac care unit or other unit or area of a Hospital which meets the required standards of the Joint Commission on Accreditation of Hospitals for Special Care Units.

Medically Necessary shall mean services and supplies received while insured that are determined by the Company to be: 1) appropriate and necessary for the symptoms, diagnosis, or direct care and Treatment of the Insured Person’s medical conditions; 2) within the standards the organized medical community deems good medical practice for the Insured Person’s condition; 3) not primarily for the convenience of the Insured Person, the Insured Person’s Physician or another Service Provider or person; 4) not Experimental/Investigational or unproven, as recognized by the organized medical community, or which are used for any type of research program or protocol; and 5) not excessive in scope, duration, or intensity to provide safe and adequate, and appropriate Treatment. For Hospital stays, this means that acute care as an Inpatient is necessary due to the kinds of services the Insured Person is receiving or the severity of the Insured Person’s condition, in that safe and adequate care cannot be received as an Outpatient or in a less intensified medical setting. The fact that any particular Physician may prescribe, order, recommend, or approve a service, supply, or level of care does not, of itself, make such Treatment Medically Necessary or make the charge of a Covered Expense under this Policy.

Mental Illness and Mental and Nervous Disorder shall mean any mental, nervous, or emotional Illness which generally denotes an Illness of the brain with predominant behavioral symptoms; or an Illness of the mind or personality, evidenced by abnormal behavior; or an Illness or disorder of conduct evidenced by socially deviant behavior. Mental or Nervous Disorders include without limitation: psychosis; depression; schizophrenia; bipolar affective disorder; any disease or condition, regardless of whether the cause is organic, that is classified as a Mental Disorder in the current edition of the International Classification of Diseases as published by the U.S. Department of Health and Human Services; and those psychiatric and other Mental Illnesses listed in the current edition of the Diagnostic and Statistical Manual for Mental Disorders published by the American Psychiatric Association. Mental Illness and Mental and Nervous Disorder does not mean or include learning disabilities, attitudinal disorders or disciplinary problems. For purposes of this insurance, Mental Illness and Mental and Nervous Disorder do not include Substance Abuse.

Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either: 1) utilizing harnesses, ropes, crampons or ice axes; or 2) ascending 4,500 meters or above. Outpatient shall mean if You receive care in a Hospital or another institution, including; ambulatory surgical center; convalescent/skilled nursing facility; or Physician’s office, for an Illness or Injury, but who is confined and is not charged for room and board.

Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute.

Period of Coverage or Policy Period shall mean the Period of Coverage issued by the Underwriter to the Insured Person, typically beginning with the Effective Date and ending with the Expiration Date or the date coverage is renewed by the Underwriter.

Physician(s) or Surgeon shall mean a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform Surgery(ies) in accordance with the laws of the jurisdiction where such professional services are performed.

Pre-existing Conditions shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically 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 36 month period immediately preceding the effective date of coverage under this policy.

Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The determination considers:

  1. Amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury in connection with which such services and supplies are received;
  2. Any usual medical circumstances requiring additional time, skill or experience; and
  3. Other factors included but not limited to, a resource based relative value scale.

Relative shall mean spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, step-sibling, in-laws (parent, son, daughter, brother and sister), aunt, uncle, niece, nephew, legal guardian, ward, or cousin of the Insured Person.

Service Provider shall mean a Hospital, convalescent/skilled nursing facility, ambulatory surgical center, psychiatric Hospital, community mental health center, residential treatment facility, psychiatric treatment facility, alcohol or drug dependency treatment center, birthing center, Physician, dentist, chiropractor, licensed medical practitioner, nurse, medical laboratory, assistance service company, air/ground ambulance firm, or any other such facility that the Company approves.

Sound Natural Tooth is a tooth that is whole or properly restored; is without impairment, periodontal or other conditions; is not more susceptible to Injury than a virgin tooth, and is not in need of the Treatment provided for any reason other than Accidental Injury. A tooth previously restored with a crown, inlay, onlay, or porcelain restoration, or Treated by endodontics is not a Sound Natural Tooth.

Substance Abuse shall mean a condition brought about when an individual uses alcohol, chemicals or any other drug(s) in such a manner that his/her health and/or judgment is impaired and/or ability to control actions is lost. Surgery shall mean an invasive diagnostic procedure; or the treatment of Illness or Injury by manual or instrumental operations performed by a Physician while the patient is under general or local anesthesia.

Terrorism shall mean an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorism can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorism can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s).

Traveling Companion shall mean spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, step-sibling, in-laws (parent son, daughter, brother, or sister), aunt, uncle, niece, nephew, legal guardian, ward, or business partner of the Insured Person.

Treatment means a specific in-office or Hospital physical examination of or care rendered to You, consultation, diagnostic procedures and services, Surgery, medical services and supplies including medication prescribed or provided by a Service Provider.

Underwriter shall mean Certain Underwriters at Lloyds, London.

You or Your shall mean the Primary Insured Person

CMAS I.D. Card

Upon enrollment into CMAS Pool Sport Plan or CMAS Pool and Open Water Sport Plan, you are eligible to use any of the assistance services provided by Seven Corners.

  • Open 24 hours/day, 365 days a year
  • Multi-lingual personnel
  • Physicians / Nurses on staff
  • Help locating medical facilities

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24/7 Travel Assistance

Seven Corners is here to help

From arranging emergency medical evacuations to helping you locate an embassy or providing you with medical and travel advisories and anything in between, our multilingual team is available 24/7.

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Administered by Seven Corners, Inc.

Disclaimer: This website is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this website and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.