Inbound USA

From SevenCorners

Available for up to 364 days, Inbound USA is a low-cost scheduled benefit travel medical plan that provides up to $130,000 in coverage for any new illness & injury that might occur while traveling outside of your country of residence.

**Note: We cannot accept an address from Colorado, Maryland, New York, South Dakota or Washington.

**Country Restrictions: We cannot accept an address in Australia, Canada, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, the U.S. Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone.

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Inbound USA Limitations & Exclusions

Definitions

The term "Injury" shall mean bodily Injury listed in the most recent edition of the International Classification of Diseases and caused solely and directly by Accidental, external, and visible means occurring while this Certificate is in force and resulting directly and independently of all other causes resulting in a Covered Event under this Program.

The term "Sickness" shall mean Illness or Disease of any kind listed in the most recent edition of the International Classification of Diseases. All related conditions and recurrent symptoms of the same or a similar condition will be considered one Sickness.

The term "Pre-Existing Condition" shall mean:

  1. A condition that would have caused a person to seek medical advice, diagnosis, care or Treatment within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this program;
  2. A condition for which medical advice, diagnosis, care or Treatment, including Medication, was sought, recommended or received within the 6 months (or 12 months for persons age 70 and older) prior to the Individual Effective Date of Coverage under this program;
  3. The symptoms which occurred within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of the Coverage under this Certificate would have allowed a person trained in medicine to make a diagnosis of the condition producing the symptoms:
  4. A condition which manifested within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this program.

Exclusions

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

  1. Pre-existing Conditions;
  2. Any expenses incurred when travel was undertaken soley for the purpose obtaining medical treatment or while traveling against the advise of a Physician;
  3. Expense incurred within the Insured Person’s Home Country or country of regular domicile;
  4. Routine physicals, inoculations, or other examinations where there are no objective indications of impairment of normal health, or well baby care, new-born baby care; well-baby nursery and related Physician charges;
  5. Prescriptions or fitting of eyeglasses and contact lenses; eye examinations; or other treatment for visual defects and problems. "Visual defects: means any physical defect of the eye which does or can impair normal vision;
  6. Hearing examinations or hearing aids; or other treatment for hearing defects and problems. "Hearing defects: means any physical defect of the ear which does or can impair normal hearing:
  7. Dental treatment, except as the result of injury to sound, natural teeth;
  8. Services or supplies performed or provided by a Member of the Insured Person’s family, or anyone who lives with the Insured Person;
  9. Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  10. Weak, strained or flat feet, corns, calluses, or toenails;
  11. Cosmetic surgery, or treatment for congenital anomalies (except as specifically provided), except reconstructive surgery as the result of a covered Injury or Sickness. Correction of a deviated nasal septum is considered cosmetic surgery unless it results from a covered Injury or covered Sickness;
  12. Elective Surgery and Elective Treatment;
  13. Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth;
  14. Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics;
  15. Organ transplants;
  16. 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, biological; (details in program summary)
  17. Participation in a riot or civil disorder, commission of or attempt to commit a felony in the country in which it was attempted or committed;
  18. Suicide or attempted suicide (including drug overdose), while sane or insane (while sane in Missouri), or intentionally self-inflected Injury;
  19. Expenses of an institution, health service, or infirmary for whose service payment is not required in the absence of insurance;
  20. Treatment of nervous or mental disorders, except as stated in the Schedule of Benefits, or treatment of alcoholism or drug abuse, except as provided for treatment of mental or nervous disorders, according to the Schedule of Benefits;
  21. Loss incurred from riding in any aircraft, other than as a passenger in an aircraft licensed for the transportation of passengers;
  22. Treatment services, supplies or facilities in a hospital owned or operated by: a) The Veteran’s Administration; or b) A national government or any of its agencies. (This exclusion does not apply to treatment when a charge is made which the Insured is required by law to pay);
  23. Duplicate services actually provided by both a certified nurse-midwife and Physician;
  24. Expenses incurred during a hospital emergency room visit which is not of an emergency nature;
  25. Expenses incurred for outpatient treatment in connection with 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 and the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column;
  26. Injury sustained 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, snowmobiling, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, snow skiing and snow boarding;
  27. Treatment paid for or furnished under any other individual, government, or group policy; previous policy; payable under any Worker’s Compensation or Occupational Disease Law or Act; or charges provided at no cost to the Insured Person; 
  28. Expense incurred after the Expiration Date for an Insured Person except as may be specifically provided;
  29. Expenses for treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent or for Injury or Sickness due to wholly or partly to the effects of intoxicating liquor or drugs, unless prescribed by a Physician;
  30. Sexually transmitted diseases, including AIDS.
  31. Pregnancy expenses or Sickness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Injury; or voluntary or elective abortion;
  32. Treatment while confined primarily to receive custodial care, educational or rehabilitative care and nursing services in a long term facility, spa, hydroclinic, weight loss clinic, sanatorium, nursing home or similar facilities;
  33. Expenses for Speech therapy, Occupational therapy or Vocational Rehabilitation.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

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