Plan Detail

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

• Eligibility: Non US citizen age 0-99 traveling to USA.
• Coverage Length: Min 5 days up to max 365 days.
• Renew Online: Policy can be renewed up to maximum of 365 days, also Renewal fees of $5 applies.
• Acute Onset of Pre-existing Condition: Under Age 70:-Coverage up to Policy Maximum.
• Co-Insurance: Not Applicable.
• PPO Network : No PPO network, visit any doctor.
• ID Card & Visa Letter comes in email instantly.
• Note: Plan pays fixed amount per incident.
• Not available to Residents of: Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone, Switzerland & Australia and Canada.

Exclusions

The list below is a summary of the exclusions in the certificate. This brochure is intended as a brief summary of benefits and services and is not your policy. A complete description of the provisions, benefits, and exclusions are contained in the program summary which you may view online. You will receive this document when your coverage is issued. If there is any difference between this brochure and your program summary, the provisions of the
certificate will prevail.

No benefits will be paid for loss or expense caused by, contributed to, or resulting from:

• Pre-existing Conditions. If you are a non-U.S. citizen under age 70, this exclusion is waived for an Acute Onset of a Pre-existing Condition (defined above) as shown in the schedule of benefits for your plan (A, B, C, or D). Benefits will be provided for expenses incurred in the U.S., minus your deductible and subject to the scheduled limits. All other exclusions apply.
• Travel solely for medical treatment; travel against a Physician’s advice
• Expenses which are not medically necessary
• Expenses incurred in your home country or country of regular domicile
• Routine physicals, inoculations, well-baby care & nursery, new-born baby care related Physician charges
• Eye exams & treatment of visual defects; glasses contact lenses
• Hearing exams, hearing aids; treatment for hearing defects
• Dental treatment, unless due to injury to sound, natural teeth
• Services or supplies provided by a family member or anyone living with you
• Weak, strained or flat feet, corns, calluses, or toenails
• Cosmetic surgery, treatment for congenital anomalies (except as specifically provided), except reconstructive surgery due to a covered injury or sickness
• Elective surgery & elective treatment
• Treatment to promote conception or prevent conception & childbirth
• Injury while participating in professional, sponsored &/or organized amateur or interscholastic athletics
• Organ transplants
• Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war; terrorist activity; nuclear, chemical or biological weapons; (details in program summary);
• Participation in a riot or civil disorder, commission of or attempt to commit a felony;
• Suicide or attempted suicide (including drug overdose) while sane or insane; intentionally self-inflicted Injury;
• Expenses of an institution, health service, or infirmary which does not require payment in the absence of insurance;
• Treatment of nervous or mental disorders, except as stated in the schedule of benefits; treatment of alcoholism or drug abuse, except as provided for treatment of mental/nervous disorders, according to the schedule of benefits;
• Loss from riding in any aircraft, other than as a passenger in an aircraft licensed for the transportation of passengers;
• Treatment, services, or supplies in a hospital owned/operated by:
  • The Veteran’s Administration; or
  • A national government or its agencies. (This exclusion does not apply to treatment you are required by law to pay);
• Duplicate services of a certified nurse-midwife and Physician;
• A hospital emergency room visit not of an emergency nature;
• Outpatient treatment for the detection or correction by manual or mechanical means of structural imbalance, distortion or sublimation in the human body for purposes of removing nerve interference & the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column;
• Injury while taking part in mountaineering where ropes or guides are normally used, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, snow skiing, snow boarding and snowmobiling;
• Treatment paid for or furnished under any other individual, government, or group policy; previous policy; Worker’s Compensation or Occupational Disease Law or Act; charges provided at no cost to you;
• Expense incurred after your expiration date except as may be specifically provided;
• Treatment for alcohol & drug addiction; use of drugs or narcotic agents; injury/sickness due to the effects of intoxicating liquor or drugs, unless prescribed by a physician;
• Sexually transmitted diseases;
• Pregnancy expenses or sickness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from injury; or voluntary or elective abortion;
• Custodial care, educational or rehabilitative care & nursing services in a long term facility, spa, hydroclinic, weight loss clinic, sanatorium, nursing home or similar facilities;
• Speech therapy, occupational therapy, vocational rehabilitation;
• Treatment if you are HIV Positive at the time of application for this insurance, whether or not you were asymptomatic or symptomatic or had knowledge of your HIV status on your effective date or any associated diagnostic tests or charges for HIV infection, seropositivity to the AIDS virus, AIDS related Illnesses, ARC Syndrome, AIDS, & all diseases caused by &/or related to HIV;
• Treatment for HIV, the AIDS virus, AIDS related illnesses, ARC Syndrome, AIDS, & all diseases & illnesses caused by &/or related to HIV or complications from these conditions, including the cost of testing for these conditions &/or charges for treatment.