International Medical Group

Inbound Guest Insurance

  • Best Suitable for:
    • Visitors and immigrants traveling to the USA from any country for business, pleasure, education or immigrating
    • It is the most affordable plan with fixed benefit coverage as low as for $25,000
  • Eligibility:
    • Non US citizen traveling to U.S. for business, pleasure, study, or to immigrate and policy must become effective within 180 days of arrival in US
  • Coverage: 180 days
  • COINSURANCE?:
    • No-coinsurance
  • Inbound Guest offers Pre-existing conditions coverage
  • RATING : A (excellent) by AM Best
    A+ (Strong) by Standard & Poor’s
  • UNDERWRITER : Lloyds of London
  • ADMINISTRATOR : Seven Corners

Plans Highlights

POLICY MAXIMUM

Ages 14 days through 69years: Plan A - $25,000; Plan B - $45,000;
Plan C - $65,000; Plan D - $85,000 or Plan E - $120,000
Age 70 years and over: Plan J - $40,000; Plan K - $60,000
or Plan L - $100,000

DEDUCTIBLE

Ages 14 days through 69 years: $0, $50 or $100 per sickness or injury
Age 70 years and over: $200 per sickness or injury

Pre-Existing Conditions Coverage

Acute Onset of Pre-existing Condition
  • Insureds aged below 70 years are covered at no additional charge: Treatment must be received within 24 hours of the onset
    The Inbound programs offer a per injury/per sickness benefit to the insureds
    The acute onset benefit will be the same amount as your client's chosen policy maximum, however, unlike the policy maximum, the acute onset is paid on a per period of policy basis
    This means if multiple acute onsets of a pre-existing condition occur, regardless of whether or not they are a different condition, we will only pay to the cumulative per maximum period of policy
  • The coverage is not available for traveler aged 70 years and above
  • Examples are as follows
    • Flu 01/01/2013: $50,000 per illness, payable to the scheduled amounts
    • Rash-02/01/2013: $50,000 per illness, payable to the scheduled amounts
    • Heart attack-03/01/2013: (determined to be an acute onset of a pre-existing condition) $50,000 per period of policy, payable to the scheduled amounts - total paid is $25,000
    • Diabetes-04/01/2013: (determined to be an acute onset of a pre-existing condition) $25,000 is available for the acute onset benefit, payable to the scheduled amounts

Benefits Details

Coverage Inbound Guest Plan A Inbound Guest Plan B Inbound Guest Plan C Inbound Guest Plan D Inbound Guest Plan E
Plan maximum per injury/sickness $25,000 $45,000 $65,000 $85,000 $120,000
Inpatient
Hospital Room & Board Up to $910/day, 30 day max Up to $1,260/day, 30 day max Up to $1,565/day, 30 day max Up to $1,725/day, 30 day max Up to $2,340/day, 30 day max
Hospital Intensive Care Unit Additional $430/day, 8 day max Additional $595/day, 8 day max Additional $720/day, 8 day max Additional $790/day, 8 day max Additional $1,020/day, 8 day max
Surgery Up to $2,150 Up to $2,970 Up to $3,960 Up to $4,840 Up to $6,600
Physician’s Non-Surgical Visits Up to $40/visit, 1/day, 30 visits max Up to $60/visit, 1/day, 30 visits max Up to $65/visit, 1/day, 30 visits max Up to $75/visit, 1/day, 30 visits max Up to $100/visit, 1/day, 30 visits max
Private Duty Nurse Up to $350 Up to $405 Up to $465 Up to $485 Up to $600
Pre-Admission Tests within 7 days before Hospital admission Up to $750 Up to $990 Up to $1,100 Up to $1,100 Up to $1,100
Outpatient
Anesthetist Up to $500 Up to $740 Up to $990 Up to $1,210 Up to $1,650
Prescription Drugs Up to $150 Per Coverage Period Up to $250 Per Coverage Period Up to $125 Per Coverage Period Up to $135 Per Coverage Period Up to $180 Per Coverage Period
Physician’s Non-Surgical /Urgent Care Visits Up to $50/visit, 1/day, 10 visits max Up to $60/visit, 1/day, 10 visits max Up to $65/visit, 1/day, 10 visits max Up to $75/visit, 1/day, 10 visits max Up to $100/visit, 1/day, 10 visits max
Diagnostic X-rays & Lab Services Up to $295 - Additional $250 - One CAT scan, PET scan or MRI Up to $405 – additional $250 - One CAT scan, PET scan or MRI Up to $465 - Additional $375 - One CAT scan, PET scan or MRI Up to $485 - Additional $450 - One CAT scan, PET scan or MRI Up to $600 - Additional $500 - One CAT scan, PET scan or MRI
Hospital Emergency Room(all expenses incurred therein) Up to $215 Up to $295 Up to $395 Up to $465 Up to $660
Outpatient Surgical Facility Up to $750 Up to $900 Up to $1,030 Up to $1,070 Up to $1,320
Others
Ambulance Services Up to $295 Up to $450 Up to $450 Up to $475 Up to $475
Initial Orthopedic Prosthesis/ brace Up to $715 Up to $990 Up to $1,160 Up to $1,240 Up to $1,560
Dental Treatment Up to $360 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth) Up to $550 (Injury to Sound, Natural Teeth)
Physiotherapy Up to $30/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max
Emergency Evacuation $50,000 $50,000 $50,000 $50,000 $50,000
Chemotherapy and/or radiation therapy Up to $715 Up to $990 Up to $1,175 Up to $1,275 Up to $1,620
Acute Onset of a Pre-existing Condition $25,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $45,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $65,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $85,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $120,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.
Return of Mortal Remains $25,000, for local cremation or burial $5,000 $25,000, for local cremation or burial $5,000 $25,000, for local cremation or burial $5,000 $25,000, for local cremation or burial $5,000 $25,000, for local cremation or burial $5,000
International Travel Coverage 30 days 30 days 30 days 30 days 30 days
Common Carrier Accidental death and dismemberment Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000

Hospital Room & Board

Plan A:Up to $910/day, 30 day max

Plan B:Up to $1,260/day, 30 day max

Plan C:Up to $1,565/day, 30 day max

Plan D:Up to $1,725/day, 30 day max

Plan E:Up to $2,340/day, 30 day max

Hospital Intensive Care Unit

Plan A:Additional $430/day, 8 day max

Plan B:Additional $595/day, 8 day max

Plan C:Additional $720/day, 8 day max

Plan D:Additional $790/day, 8 day max

Plan E:Additional $1,020/day, 8 day max

Surgery

Plan A:Up to $2,150

Plan B:Up to $2,970

Plan C:Up to $3,960

Plan D:Up to $4,840

Plan E:Up to $6,600

Physician’s Non-Surgical Visits

Plan A:Up to $40/visit, 1/day, 30 visits max

Plan B:Up to $60/visit, 1/day, 30 visits max

Plan C:Up to $65/visit, 1/day, 30 visits max

Plan D:Up to $75/visit, 1/day, 30 visits max

Plan E:Up to $100/visit, 1/day, 30 visits max

Private Duty Nurse

Plan A:Up to $400

Plan B:Up to $495

Plan C:Up to $550

Plan D:Up to $550

Plan E:Up to $660

A Consulting Physician, when requested by attending Physician

Plan A:Up to $350

Plan B:Up to $405

Plan C:Up to $465

Plan D:Up to $485

Plan E:Up to $600

Pre-Admission Tests within 7 days before Hospital admission

Plan A:Up to $750

Plan B:Up to $990

Plan C:Up to $1,100

Plan D:Up to $1,100

Plan E:Up to $1,100

Anesthetist

Plan A:Up to $500

Plan B:Up to $740

Plan C:Up to $990

Plan D:Up to $1,210

Plan E:Up to $1,650

Prescription Drugs

Plan A:Up to $150 Per Coverage Period

Plan B:Up to $250 Per Coverage Period

Plan C:Up to $125 Per Coverage Period

Plan D:Up to $135 Per Coverage Period

Plan E:Up to $180 Per Coverage Period

Physician’s Non-Surgical /Urgent Care Visits

Plan A:Up to $50/visit, 1/day, 10 visits max

Plan B:Up to $60/visit, 1/day, 10 visits max

Plan C:Up to $65/visit, 1/day, 10 visits max

Plan D:Up to $75/visit, 1/day, 10 visits max

Plan E:Up to $100/visit, 1/day, 10 visits max

Diagnostic X-rays & Lab Services

Plan A:Up to $295 - Additional $250 - One CAT scan, PET scan or MRI

Plan B:Up to $405 – additional $250 - One CAT scan, PET scan or MRI

Plan C:Up to $465 - Additional $375 - One CAT scan, PET scan or MRI

Plan D:Up to $485 - Additional $450 - One CAT scan, PET scan or MRI

Plan E:Up to $600 - Additional $500 - One CAT scan, PET scan or MRI

Hospital Emergency Room(all expenses incurred therein)

Plan A:Up to $215

Plan B:Up to $295

Plan C:Up to $395

Plan D:Up to $465

Plan E:Up to $660

Outpatient Surgical Facility

Plan A:Up to $750

Plan B:Up to $900

Plan C:Up to $1,030

Plan D:Up to $1,070

Plan E:Up to $1,320

Ambulance Services

Plan A:Up to $295

Plan B:Up to $450

Plan C:Up to $450

Plan D:Up to $475

Plan E:Up to $475

Initial Orthopedic Prosthesis/ brace

Plan A:Up to $715

Plan B:Up to $990

Plan C:Up to $1,160

Plan D:Up to $1,240

Plan E:Up to $1,560

Dental Treatment

Plan A:Up to $360 (Injury to Sound, Natural Teeth)

Plan B:Up to $550 (Injury to Sound, Natural Teeth)

Plan C:Up to $550 (Injury to Sound, Natural Teeth)

Plan D:Up to $550 (Injury to Sound, Natural Teeth)

Plan E:Up to $550 (Injury to Sound, Natural Teeth)

Physiotherapy

Plan A:Up to $30/visit, 1/day, 12 visits max

Plan B:Up to $40/visit, 1/day, 12 visits max

Plan C:Up to $40/visit, 1/day, 12 visits max

Plan D:Up to $40/visit, 1/day, 12 visits max

Plan E:Up to $40/visit, 1/day, 12 visits max

Emergency Evacuation

Plan A:$50,000

Plan B:$50,000

Plan C:$50,000

Plan D:$50,000

Plan E:$50,000

Chemotherapy and/or radiation therapy

Plan A:Up to $715

Plan B:Up to $990

Plan C:Up to $1,175

Plan D:Up to $1,275

Plan E:Up to $1,620

Acute Onset of a Pre-existing Condition

Plan A:$25,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Plan B:$45,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Plan C:$65,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Plan D:$85,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Plan E:$120,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Return of Mortal Remains

Plan A:$25,000, for local cremation or burial $5,000

Plan B:$25,000, for local cremation or burial $5,000

Plan C:$25,000, for local cremation or burial $5,000

Plan D:$25,000, for local cremation or burial $5,000

Plan E:$25,000, for local cremation or burial $5,000

International Travel Coverage

Plan A:30 days

Plan B:30 days

Plan C:30 days

Plan D:30 days

Plan E:30 days

Common Carrier Accidental death and dismemberment

Plan A:Up to $25,000

Plan B:Up to $25,000

Plan C:Up to $25,000

Plan D:Up to $25,000

Plan E:Up to $25,000

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