Best Suitable for: New immigrants to America who are not yet eligible for domestic health insurance and the insured can avail medical coverage up to 5 years under this plan
Eligibility: Non US citizen traveling to U.S. for business, pleasure, study, or to immigrate
and policy must become effective within 24 months of arrival in USA
Plan Life: 5 days to 364 days
Total period of coverage cannot exceed 1820 days (5 continuous and consecutive 364-day policy period) and for the coverage to lapse, the traveler must return to his/her home country for a minimum of 31 days before reapplying. On reapplying for a new policy the pre-existing conditions look back starts over
Applicable for only international travelers coming to USA.
There is no provider network.
High deductible for above 70 years travelers.
Maximum medical coverage is $50,000, $75,000, $100,000 or $130,000
for age group 14 days through 69 years
For 70+ age group Maximum coverage is limited to $75,000
$0, $50 or $100 per each injury or sickness for age group 14 days through 69 years
For 70+ age group deductible is $200 per each injury or sickness
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 .
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.