If there are applicants below age 70 and applicants 70 and older, separate applications must be submitted.
Attention Applicants: Certain Underwriters at Lloyd’s, London operates as an approved Surplus Lines market in the United States. The premiums listed under Plan Cost include a 2% trust fee.
Length of Coverage
Your coverage length may vary from 5 days to 364 days in a period of coverage. Your total period of coverage cannot exceed 1,820 days (five 364-day periods of coverage). You may renew your coverage in any increment of 5 days or more (there is a $5 fee each time you renew).
Coverage Start Date – Coverage will begin on the latest of the following dates: the day after we receive your application and correct premium if you apply and pay online or by fax; or the day after the postmark date of your application and correct premium if you apply by mail; or the moment you depart your home country; or the date you request on your application. Your coverage start date is the same as your effective date.
Coverage Expiration Date – Your coverage ends at 12:01 A.M. North American Eastern Time on the earliest of the following: the expiration date on your ID card; the 91st day of your incidental trip to your home country; after completion of 364 days of coverage, (unless the company agrees to extend coverage upon expiration; coverage is available up to 5 years); the day you become a U.S. citizen; the date you enter active military service.
Home Country – means the country where you have your true, fixed and permanent residence. For United States Citizens, the Home Country is always the United States.
Important Benefit Highlights
Medical Benefits – If your injury or sickness requires medical treatment, we will pay up to the amounts in the schedule of benefits, minus your deductible.
For an injury, your treatment must begin within 30 days of your injury and must also be received within 364 days (224 days if you are 70 and over) after the date of your injury.
For an illness, treatment must be received within 364 days (224 days if you are 70 and older) of the illness.
International Travel Coverage – If you purchase 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 to your home country, and it does not extend after your coverage expiration date.
Home Country Coverage – We will pay up to $50,000 for an illness or injury that occurs while you are on an incidental trip to your home country. You earn covered days at a rate of 90 days per 364 days of purchased coverage.
Emergency Medical Evacuation – We pay up to the limit in the schedule if your medical condition requires immediate transportation from your current medical facility to the closest facility with appropriate care. This benefit must be ordered by a physician. Expenses must be authorized by Seven Corners Assist.
Return of Mortal Remains/Local Cremation or Burial - We will return your remains to your home country if you die while traveling or pay for local burial/cremation at the place of death. Arrangements 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.
Filing A Claim
Filing a claim is easy! Simply send the itemized bill to Seven Corners within 90 days, along with a completed claim form.
Visit our claims page.
We will refund your plan cost if we receive a written request from you before your coverage start date. If we receive your request after your coverage start date, the unused portion of your plan cost may be refunded minus a cancellation fee if you have not submitted any claims.
Inbound Immigrant is not a general health insurance plan but an interim, limited benefit period, travel medical program intended for use while away from your home country.
This brochure is a brief summary of benefits and services and is not your plan document. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.
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.
THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWN AN ADDITIONAL PAYMENT WITH YOUR TAXES.
About Your Insurance Company
Seven Corners will handle your insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our 24/7 in-house travel assistance team, Seven Corners Assist, will handle your emergency and travel needs. We have 20+ years of experience serving the needs of travelers worldwide — We are here to help!
You can feel confident with Inbound Immigrant’s strong financial backing through Certain Underwriters at Lloyd’s, London, an established organization with an AM Best rating of “A” (Excellent).
Seven Corners operates under the name, Seven Corners Insurance Services, in California.
Pre-existing conditions are defined in the plan document in detail. A brief summary is shown below. Pre-existing conditions are not covered except for an Acute Onset of a Pre-existing Condition.
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 began (365 days for those 70 and older), whether or not it previously manifested, was symptomatic, known, diagnosed, treated or disclosed.
Acute Onset Coverage
Non U.S. Citizens under age 70 traveling in the United States - We pay up to the stated limit for an acute onset of a pre-existing condition if it occurs during your coverage period and you receive treatment in the U.S. within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is chronic, congenital or gradually worsens over time is not covered.