Inbound Choice

Plan Detail

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's



Effective Date under the program shall become effective at 12:01 AM North American Eastern Time on the latest of the following dates:

1. The day after the Company receives your application and correct premium if application and payment is made online or by fax; or

2. The day after the postmark date of your application and correct premium if application and payment is made by mail; or

3. The moment you depart your Home Country; or

4. The date you request on your application.

Dependent Child(ren) coverage will not be effective prior to that of the Named Insured


The coverage provided with respect to the Named Insured shall terminate at 12:01 AM North American Eastern Time on the earliest of the following dates:

1. The date shown on the insurance confirmation card, for which the premium is paid; or

2. The thirty-first (31 st ) day of any Insured Person’s return trip to his or her Home Country whether days of the trip are consecutive or not; or

3. After three hundred and sixty four (364) days of coverage, unless the company agrees to extend coverage upon such expiration; or

4. The date the Named Insured becomes a United States citizen; or

5. The date of entry into active duty military service; or

6. The date the master policy terminates (unless the Company agrees, in writing, to permit coverage to continue to the end of the period for which premiums have been paid in lieu of a return of unearned premiums);

7. In addition, for Dependent Child(ren), coverage expires the date the Named Insured(s) coverage expires or the date they cease to be considered a Dependent Child.


Persons who are non-US citizens, from fourteen (14) days of age and have not yet reached their seventieth* (70) birthday who are traveling to the United States for business, pleasure, to study or to visit who have arrived in the United States within the twenty-four (24) months prior to the proposed Effective Date, who have paid premium as outlined in the enrollment application, and who have completed the enrollment form in complete detail are eligible for Inbound Choice. The Company maintains its right to investigate to verify that the eligibility requirements have been met. If and whenever the Company discovers that the Certificate eligibility requirements have not been met, its only obligation is refund of premium.

The eligibility date for Dependent Child(ren) of a Named Insured (as defined) shall be determined in accordance with the following: (1) If a Named Insured has Dependent Child(ren) on the date he or she is eligible for insurance; or (2) If a Named Insured acquires Dependent Child(ren) after the Effective date, such Dependent Child(ren) becomes eligible on the date the Insured acquires a Dependent Child who is within the limits of a dependent, unmarried child set forth in the “Definition” section of the Certificate. Dependent Child(ren) eligibility expires concurrently with that of the Named Insured.


This Insurance, under Certificate LON16-160810-02TM, is underwritten by Certain Underwriters at Lloyds, London, rated A “Excellent” by AM Best.

Entire Contract; Changes:The Certificate, including the Application, Schedule of Benefits, endorsements and the attached papers, if any, constitutes the entire contract of Insurance. No change in the Certificate shall be valid until approved by an executive officer of the Company and unless such approval is endorsed hereon. No agent has authority to change this Certificate or to waive any of its provisions;

Physical Examination and Autopsy:The Company at its own expenses shall have the right and opportunity to examine the person of any individual whose Injury or Illness is the basis of claim when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death, where it is not forbidden by law.

Grace Period: There is no Grace Period associated with this program.

Not in Lieu of Worker's Compensation:This Insurance is not in lieu of and does not affect any requirements for coverage by Worker's Compensation Insurance.

Certificate of Insurance:The Company shall issue to each Insured Person an individual Program Summary (Certificate of Insurance), which shall state the essential features of Insurance to which such person is entitled and to whom benefits are payable, if required to do so by the laws of the locality in which the Insured Person resides when his Insurance becomes effective.

Data Furnished by Insured Person(s):Insured Person shall furnish all information requested on the Application and any additional information requested by the Company.The refusal of the Insured Person, the Insured Person’s Physician, Hospital or Service Provider to make all medical reports and recordsavailable to the Company could cause an otherwise valid claim or Application to be denied or the file to be closed due to lack of or limited reply from the Insured Person’s medical providers. Failure on the part of the Insured Person to maintain adequate documentation regarding travel history could cause an otherwise valid claim (where travel history is material to the benefit and claim) to be denied or the file to be closed.The Company has the option whether or not to consider medical information provided by friends / relatives of the Insured Person as valid for underwriting or claim administration.

Assignment: The Insurance provided hereunder is not assignable, but benefits may be assigned in accordance with #5, Payment of Claims.

Excess Benefits:All coverages shall be in excess of all other valid and collectible insurance and shall apply only when such benefits are exhausted.

Other valid and collectible insurance for which benefits may be payable are insurance programs provided by:

1. Individual, group or blanket insurance or coverage;

2. Other prepayment coverage provided on a group or individual basis;

3. Any coverage under labor management trusteed plans, union welfare plans, employer organizational plans, employee benefitorganization plans, or other arrangement of benefits for individuals of a group;

4. Any coverage required or provided by any statute, socialized insurance program; or

5. Any no-fault automobile insurance;

6. Any third party liability insurance

Monetary Limits: The monetary limits stated in this Certificate and the premium shall be in United States dollars. For services outside of the territorial limits of the United States, the exchange rate used to determine the amount of United States dollars to be paid is the exchange rate effective for the date the claims expense was incurred.

Subrogation:The Certificate has the right to full subrogation and reimbursement of any and all amounts paid by the Certificate to or on behalf of, an Insured Person, if the Insured person receives any sum of money from any person, plan or legal entity which is legally obligated to make payments arising out of any act or omission of any person whether a third party or another covered person under the Certificate, which directly or indirectly caused a physical or mental condition, in connection with which payment of any benefits under the Certificate to, or on behalf of, such Insured Person was made. The Certificate shall have a lien against such sum of money received from third parties or other persons described above or their insurers, or the insurer of the Insured Person, and shall be reimbursed therefrom. The Insured Person further agrees to notify other persons described above in writing, of the Certificate's subrogation and lien rights before the receipt of any payment from said parties or other persons.

The Insured Person shall be responsible for all expenses of recovery from such parties or other persons, including but not limited to, all attorneys' fees incurred in collection of such payments or payments by other persons, which fees and expenses shall not reduce the amount of reimbursement to the Certificate required of the Insured Person. The Insured Person agrees to reimburse the Certificate for any benefit paid hereunder, out of any monies recovered from such party or other persons as a result of judgment, settlement or otherwise, even though such monies are not characterized as amounts paid for medical expenses or claims. The Insured Person agrees to furnish such information and assistance, and to execute and deliver all necessary instruments, as the Company or its designee may request to facilitate the enforcement of these subrogation rights, including but not limited to the execution of a subrogation agreement prior to payments of benefits under the Certificate to, or on behalf of the Insured Person.

The Insured Person shall not release or discharge any party from his or her obligation to the Insured Person or the Certificate or take any other action which could impair the Certificate's subrogation rights. The Certificate's exercise of its rights to take whatever action it sees fit against any third party or other persons shall not affect the Insured Person's right to pursue other forms of recovery.

If the Insured Person or any one acting on his or her behalf has not taken action to push his or her rights against such parties or other persons to obtain a judgment, settlement or other recovery, the Company or its designee, upon giving thirty (30) days written notice to the Insured Person shall have the right to take such action in the name of the Insured Person to recover that amount of benefits paid under theCertificate; provided, however, that any action taken without the consent of the Insured Person shall be without prejudice to such Insured Person.

The Certificate's right to reimbursement as set forth herein shall be payable first from sums received from the parties or other persons and such reimbursement shall continue until the Insured Person's obligations hereunder to the Certificate are fully discharges, even though the Insured Person does not receive full compensation or recovery for his/her injuries, damages loss or debt. This right to subrogation protanto shall exist in all cases.

If an Insured Person fails to comply with these requirements, the Insured Person shall not be eligible to receive any benefits, services or payments under the Certificate until there is compliance regardless of whether such benefits are related to the act or omission of such party or other persons.

Fraud and Misrepresentation:Any misstatement, concealment or fraud in the Applicant’s (or Applicant’s authorized representative) statements, either on the Application or on subsequent contact (including any claim submissions), whether in writing or otherwise, to the Company or its representatives, shall render this insurance null and void and all claims hereunder shall be forfeited. In addition, if any fraudulent means or devices are used by any Insured Person (or Applicant) or anyone acting on their behalf, this insurance shall be null and void and all claims hereunder shall be forfeited.

Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE