International Medical Group

Inbound USA Insurance

  • Best Suitable for: International travelers and parents visiting USA can purchase this at affordable premium cost
  • Eligibility: For non-United States citizens visiting for pleasure, business, study or immigrating to the US
  • Coverage: 5 days to 364 days
  • Co-insurance?: No-coinsurance
  • Inbound USA offers Pre-existing conditions coverage
What's good ?
What's not so good ?
  • RATING : A (excellent) by AM Best
    A+ (Strong) by Standard & Poor’s
  • UNDERWRITER : Lloyds of London
  • ADMINISTRATOR : Seven Corners

Plans Highlights

POLICY MAXIMUM

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 $50,000 or $70,000

DEDUCTIBLE

$0, $50 or $100 per each injury or sickness for age group 14 days through 69 years
For 70+ age group deductible is $100 or $200 per each injury or sickness

Pre-Existing Conditions Coverage

Acute Onset of Pre-existing Condition
  • 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

Benefits Details

Coverage Plan A Plan B Plan C Plan D
Hospital Room & Board Up to $1,400/day, 30 day max Up to $1,725/day, 30 day max Up to $2,000/day, 30 day max Up to $2,585/day, 30 day max
Hospital Intensive Care Unit Additional $660/day, 8 day max Additional $755/day, 8 day max Additional $850/day, 8 day max Additional $1,105/day, 8 day max
Anesthetist Up to $825 Up to $1,100 Up to $1,375 Up to $1,775
Assistant Surgeon Up to $825 Up to $1,100 Up to $1,375 Up to $1,775
Surgical Treatment Up to $3,300 Up to $4,400 Up to $5,500 Up to $7,150
Physician’s Non-Surgical Visits Up to $60/visit, 1/day, 30 visits max Up to $75/visit,1/day, 30 visits max Up to $85/visit, 1/day, 30 visits max Up to $115/visit, 1/day, 30 visits max
A Consulting Physician, when requested by attending Physician Up to $450 Up to $475 Up to $500 Up to $650
Pre-Admission Tests w/in 7 days before Hospital admission Up to $1,100 Up to $1,100 Up to $1,100 Up to $1,450
Surgical Up to $3,300 Up to $4,400 Up to $5,500 Up to $7,150
Physician’s Non-Surgical /Urgent Care Visits Up to $60/visit, 1/day, 10 visits max Up to $75/visit, 1/day, 10 visits max Up to $85/visit, 1/day, 10 visits max Up to $115/visit, 1/day, 10 visits max
Diagnostic X-rays & Lab Services Up to $450 - Additional $250 - One CAT scan, PET scan or MRI Up to $475 – additional $375 - One CAT scan, PET scan or MRI Up to $500 - Additional $500 - One CAT scan, PET scan or MRI Up to $650 - Additional $600 - One CAT scan, PET scan or MRI
Hospital Emergency Room(all expenses incurred therein) Up to $330 Up to $465 Up to $550 Up to $750
Prescription Drugs Up to $250 Per Coverage Period Up to $250 Per Coverage Period Up to $250 Per Coverage Period Up to $250 Per Coverage Period
Outpatient Surgical Facility Up to $1,000 Up to $1,050 Up to $1,100 Up to $1,400
Acute Onset of a Pre-existing Condition $50,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $75,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $100,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $130,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.
Ambulance Services Up to $450 Up to $475 Up to $475 Up to $475
Dental treatment for injury to sound, natural teeth Up to $550 Up to $550 Up to $550 Up to $550
Initial Orthopedic Prosthesis/ brace Up to $1,100 Up to $1,200 Up to $1,300 Up to $1,700
Durable Medical Equipment Up to $1,100 Up to $1,200 Up to $1,300 Up to $1,700
Chemotherapy and/or Radiation Therapy Up to $1,100 Up to $1,225 Up to $1,350 Up to $1,750
Physiotherapy 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
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
International Travel Coverage 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

Hospital Room & Board

Plan A:Up to $1,400/day, 30 day max

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

Plan C:Up to $2,000/day, 30 day max

Plan D:Up to $2,585/day, 30 day max

Hospital Intensive Care Unit

Plan A:Additional $660/day, 8 day max

Plan B:Additional $755/day, 8 day max

Plan C:Additional $850/day, 8 day max

Plan D:Additional $1,105/day, 8 day max

Anesthetist

Plan A:Up to $825

Plan B:Up to $1,100

Plan C:Up to $1,375

Plan D:Up to $1,775

Assistant Surgeon

Plan A:Up to $825

Plan B:Up to $1,100

Plan C:Up to $1,375

Plan D:Up to $1,775

Surgical Treatment

Plan A:Up to $3,300

Plan B:Up to $4,400

Plan C:Up to $5,500

Plan D:Up to $7,150

Physician’s Non-Surgical Visits

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

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

Plan C:Up to $85/visit, 1/day, 30 visits max

Plan D:Up to $115/visit, 1/day, 30 visits max

A Consulting Physician, when requested by attending Physician

Plan A:Up to $450

Plan B:Up to $475

Plan C:Up to $500

Plan D:Up to $650

Pre-Admission Tests w/in 7 days before Hospital admission

Plan A:Up to $1,100

Plan B:Up to $1,100

Plan C:Up to $1,100

Plan D:Up to $1,450

Surgical

Plan A:Up to $3,300

Plan B:Up to $4,400

Plan C:Up to $5,500

Plan D:Up to $7,150

Physician’s Non-Surgical /Urgent Care Visits

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

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

Plan C:Up to $85/visit, 1/day, 10 visits max

Plan D:Up to $115/visit, 1/day, 10 visits max

Diagnostic X-rays & Lab Services

Plan A:Up to $450 - Additional $250 - One CAT scan, PET scan or MRI

Plan B:Up to $475 – additional $375 - One CAT scan, PET scan or MRI

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

Plan D:Up to $650 - Additional $600 - One CAT scan, PET scan or MRI

Hospital Emergency Room(all expenses incurred therein)

Plan A:Up to $330

Plan B:Up to $465

Plan C:Up to $550

Plan D:Up to $750

Prescription Drugs

Plan A:Up to $250 Per Coverage Period

Plan B:Up to $250 Per Coverage Period

Plan C:Up to $250 Per Coverage Period

Plan D:Up to $250 Per Coverage Period

Outpatient Surgical Facility

Plan A:Up to $1,000

Plan B:Up to $1,050

Plan C:Up to $1,100

Plan D:Up to $1,400

Acute Onset of a Pre-existing Condition

Plan A:$50,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Plan B:$75,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Plan C:$100,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Plan D:$130,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

Ambulance Services

Plan A:Up to $450

Plan B:Up to $475

Plan C:Up to $475

Plan D:Up to $475

Dental treatment for injury to sound, natural teeth

Plan A:Up to $550

Plan B:Up to $550

Plan C:Up to $550

Plan D:Up to $550

Initial Orthopedic Prosthesis/ brace

Plan A:Up to $1,100

Plan B:Up to $1,200

Plan C:Up to $1,300

Plan D:Up to $1,700

Durable Medical Equipment

Plan A:Up to $1,100

Plan B:Up to $1,200

Plan C:Up to $1,300

Plan D:Up to $1,700

Chemotherapy and/or Radiation Therapy

Plan A:Up to $1,100

Plan B:Up to $1,225

Plan C:Up to $1,350

Plan D:Up to $1,750

Physiotherapy

Plan A:Up to $40/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

Emergency Evacuation

Plan A:$50,000

Plan B:$50,000

Plan C:$50,000

Plan D:$50,000

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

International Travel Coverage

Plan A:30 days

Plan B:30 days

Plan C:30 days

Plan D: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

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