Inbound Guest
2008
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Purchase this Plan Online
Download PDF Brochure
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Medical coverage
for non-us citizens visiting the us
foreign visitors traveling to the u.s.:
emergency • medical evacuation
repatriation • 24 hour assistance service
scheduled benefit coverage & premiums
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Agent Information:
MCIS Multichoice Insurance Services
40461 Fremont Blvd.,
Fremont, CA 94538, USA.
Ph: 1-800-507-1428
Ph: 1-510-456-5304
Fax: 1-510-402-4743
Website: www.insurancemultichioce.com
Email: contact@insurancemultichoice.com
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The United States offers the most comprehensive medical care, but is often complicated as well as very expensive. For a visitor to the United
States or a recent immigrant, finding an insurance program that is easy to understand and reasonably priced is often difficult.
As a solution, Inbound Guest was developed to provide a simple program to visitors and immigrants.
This is a brief description of the Inbound Guest program. Detailed wording is outlined in the Program Summary, which will be e-mailed to you once
you have enrolled in Inbound Guest.
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ELIGIBILITY
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This program is available to non-United States citizens who come to the U.S. for business, pleasure, to study, or to immigrate. The program must
become effective within 180 days of arrival in the United States.
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PERIOD OF COVERAGE
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You may initially enroll in Inbound Guest for as little as 5 days and up to maximum of 6 months. Total period of coverage for Inbound Guest cannot
exceed 6 months (in order to reapply after the 6 months, you must first return to your home country).
Effective date - Your coverage will begin on the latest of the following:
1. Your departure from your Home Country; or
2. The date your Application and premium are received by Seven Corners; or
3. The date your Application and premium are accepted by Seven Corners; or
4. The date you request on the Application.
Expiration date - Your coverage will end on the earlier of the following:
1. The date shown on the Insurance Confirmation Card, for which premium has been paid; or
2. The date you return to your Home Country; or
3. 6 months after your original Effective Date; or
4. The day an insured becomes a U.S. citizen or is considered a U.S. resident by the state where they are residing; or
5. The date of entry into active military service.
Upon each renewal, the rates, benefits, and program in general are subject to change.
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When you initially apply online, you will have the option to renew in whatever increment you choose (Minimum 5 day purchase). There is a $5
admin fee each time you renew. Again, the total period of coverage for Inbound Guest cannot exceed 6 months. Renew Online
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If your covered Injury or Sickness requires treatment by a physician, this program will provide benefits for the Usual and Customary (U&C) charges
scheduled below which exceed the chosen Per Person Deductible ($0, $50 or $100, or a $200 deductible for age 70 and over) for each Injury and
each Sickness and which are incurred within the 26 weeks following the Injury or Sickness. Payment for any covered service will not exceed the
Benefit Maximum shown. The maximum amount payable for all benefits will be no more than $45,000, $65,000, or $85,000 for each Injury and
each Sickness.
For persons age 70 and over, the maximum benefit limit is $40,000 or $60,000 for each Injury or Sickness. The period in which covered expenses
must be incurred is 26 weeks following the Injury or Sickness, and a separate schedule applies.
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Age 14 days to Age 69
years old
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Plan A
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Plan B
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Plan C
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Plan D
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INPATIENT
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$45,000 Max
per Injury/Sickness
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$65,000 Max
Per Injury/Sickness
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$85,000 Max
per Injury/Sickness
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$120,000 Max
per Injury/Sickness
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Hospital Room & Board
including miscellaneous
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Up to $1260/day,
30 day max
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Up to $1565/day,
30 day max
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Up to $1785/day,
30 day max
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Up to $2340/day, 30 day
max
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Hospital Intensive Care
Unit
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Additional $595/day,
8 day max
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Additional $720/day,
8 day max
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Additional $790/day,
8 day max
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Additional $1020/day, 8
day max
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Surgical Treatment
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Up to $2970
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Up to $3960
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Up to $4840
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Up to $6600
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Anesthetist
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Up to $740
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Up to $990
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Up to $1210
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Up to $1650
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Assistant Surgeon
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Up to $740
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Up to $990
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Up to $1210
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Up to $1650
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Physician’s Non-Surgical
Visits
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Up to $50/visit,
1/day, 30 visits max
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Up to $65/visit,
1/day, 30 visits max
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Up to $75/visit,
1/day, 30 visits max
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Up to $100/visit, 1/day, 30
visits max
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A Consulting Physician,
when requested by
attending Physician
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Up to $405
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Up to $465
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Up to $485
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Up to $600
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Private Duty Nurse
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Up to $495
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Up to $550
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Up to $550
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Up to $660
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Pre-Admission Tests w/in 7
days before Hospital
admission
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Up to $990
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Up to $1100
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Up to $1100
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Up to $1100
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OUTPATIENT
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Surgical Treatment
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Up to $2970
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Up to $3960
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Up to $4840
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Up to $6600
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Anesthetist
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Up to $740
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Up to $990
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Up to $1210
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Up to $1650
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Assistant Surgeon
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Up to $740
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Up to $990
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Up to $1210
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Up to $1650
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Physician’s Non-Surgical /
Urgent Care Visits
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Up to $50/visit, 1/day, 10
visits max
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Up to $65/visit, 1/day, 10
visits max
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Up to $75/visit, 1/day, 10
visits max
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Up to $100/visit, 1/day, 10
visits max
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Diagnostic X-rays & Lab
Services
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Up to $405 - Additional
$250 - One Cat scan, PET
scan or MRI
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Up to $465 – additional
$375 - One Cat scan, PET
scan or MRI
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Up to $485 - Additional
$500 - One Cat scan, PET
scan or MRI
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Up to $600 - Additional
$500 - One Cat scan, PET
scan or MRI
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Hospital Emergency Room
(all expenses incurred
therein)
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Up to $295
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Up to $395
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Up to $485
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Up to $660
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Prescription Drugs
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Up to $90
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Up to $115
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Up to $135
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Up to $180
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Outpatient Surgical Facility
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Up to $900
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Up to $1030
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Up to $1070
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Up to $1320
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OTHER TREATMENT AND
SERVICES
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Ambulance Services
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Up to $450
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Up to $450
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Up to $450
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Up to $450
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Initial Orthopedic
Prosthesis/brace
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Up to $990
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Up to $1160
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Up to $1240
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Up to $1560
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Chemotherapy and/or
radiation therapy
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Up to $990
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Up to $1175
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Up to $1275
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Up to $1620
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Dental Treatment for
Injury to Sound, Natural
Teeth
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Up to $550
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Up to $550
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Up to $550
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Up to $550
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Mental & Nervous Disorder
& Substance Abuse
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Same as any Sickness
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Same as any Sickness
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Same as any Sickness
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Same as any Sickness
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Physiotherapy
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Up to $40/visit,
1/day, 12 visits max
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Up to $40/visit,
1/day, 12 visits max
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Up to $40/visit,
1/day, 12 visits max
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Up to $40/visit,
1/day, 12 visits max
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Emergency Evacuation
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$50,000
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$50,000
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$50,000
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$50,000
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Repatriation of Remains
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$7,500
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$7,500
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$7,500
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$7,500
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AD&D Principal Sum
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$25,000 Common Carrier
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$25,000 Common Carrier
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$25,000 Common Carrier
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$25,000 Common Carrier
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If an insured person turns 70 years old during the purchased coverage period, the 70 and over benefit schedule becomes effective upon the day
the insured turns 70. Individuals with the $65,000 or $85,000 per injury or sickness policy maximum will receive the $60,000 per injury or sickness
schedule for age 70 and older. Individuals with the $45,000 per injury or sickness policy maximum will receive the $40,000 per injury or sickness
schedule for age 70 and older.
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Age 70 to Age 99 years old
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Plan J
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Plan K
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INPATIENT
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$40,000 Max
per Injury/Sickness
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$60,000 Max
Per Injury/Sickness
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Hospital Room & Board including miscellaneous
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Up to $870/day, 30 day max
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Up to $1260/day, 30 day max
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Hospital Intensive Care Unit
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Additional $380/day, 8 day max
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Additional $550/day, 8 day max
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Surgical Treatment
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Up to $2285
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Up to $3300
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Anesthetist
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Up to $570
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Up to $825
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Assistant Surgeon
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Up to $570
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Up to $825
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Physician’s Non-Surgical Visits
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Up to $45/visit, 1/day, 30 visits max
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Up to $65/visit, 1/day, 30 visits
max
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A Consulting Physician, when requested by
attending Physician
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Up to $330
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Up to $480
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Private Duty Nurse
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Up to $375
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Up to $450
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Pre-Admission Tests w/in 7 days before Hospital
admission
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Up to $775
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Up to $775
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OUTPATIENT
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Surgical Treatment
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Up to $2285
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Up to $3300
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Anesthetist
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Up to $570
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Up to $825
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Assistant Surgeon
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Up to $570
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Up to $825
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Physician’s Non-Surgical / Urgent Care Visits
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Up to $45/visit, 1/day, 10 visits max
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Up to $65/visit, 1/day, 10 visits
max
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Diagnostic X-rays & Lab Services
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Up to $330 - Additional $250 - One
Cat scan, PET scan or MRI
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Up to $480 – additional $300 -
One Cat scan, PET scan or MRI
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Hospital Emergency Room (all expenses incurred
therein)
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75% of U&C to a maximum of $208
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75% of U&C to a maximum of $300
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Prescription Drugs
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Up to $65
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Up to $95
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Outpatient Surgical Facility
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Up to $705
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Up to $1020
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OTHER TREATMENT AND SERVICES
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Ambulance Services
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Up to $450
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Up to $450
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Initial Orthopedic Prosthesis/brace
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Up to $705
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Up to $1020
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Chemotherapy and/or radiation therapy
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Up to $705
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Up to $1020
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Dental Treatment for Injury to Sound, Natural
Teeth
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Up to $550
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Up to $550
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Mental & Nervous Disorder & Substance Abuse
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Same as any Sickness
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Same as any Sickness
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Physiotherapy
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Up to $40/visit,
1/day, 12 visits max
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Up to $40/visit,
1/day, 12 visits max
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Emergency Evacuation
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$50,000
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$50,000
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Repatriation of Remains
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$7,500
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$7,500
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AD&D Principal Sum
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$25,000 Common Carrier
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$25,000 Common Carrier
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Emergency Medical Evacuation Expenses
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The program will pay up to $50,000 in Covered Expenses incurred if any covered Injury or Sickness originating during the Period of Coverage
results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person (the Insured Person’s medical condition
warrants immediate transportation from the medical facility where the Insured Person is located to the nearest adequate medical facility where
medical treatment can be obtained). The benefit must be ordered by the Assistance Company in consultation with the Insured Person’s local
attending Physician. *
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Repatriation of Mortal Remains Expenses
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The program will pay the reasonable Covered Expenses incurred, up to a maximum of $7,500, to return the Insured Person’s remains to his/her
Home Country if he or she dies.*
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Common Carrier Accidental Death and Dismemberment (AD&D)
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Accidental Death and Dismemberment shall apply to covered accidents sustained by an insured person while riding as a passenger in or on any
land, water or air conveyance operated under a license for the transportation of passengers for hire. A loss must occur within 365 days after the
date of accident causing the loss:
* NOTE: If event of an Emergency Medical Evacuation or Repatriation of Mortal Remains benefit is needed or utilized, arrangements must be made
by the Assistance Service Provider.
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Both Hands or Both Feet or Sight of Both Eyes
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Either Hand or Foot and Sight of One Eye
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One-Half the Principal Sum
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One-Half the Principal Sum
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DEFINITIONS
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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 ages 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 ages 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 ages 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 itself within the 6 months (or 12 months for persons ages 70 and older) prior to the Individual Effective Date of
Coverage under this Certificate;
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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 solely for the purpose of obtaining medical treatment or while traveling against the advice
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 an 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, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus (unless
PADI or NAUI certified), water skiing, snow skiing, snow boarding and snowmobiling;
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
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.
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ENROLLING IN INBOUND USA
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- Complete entire application
- Select method of payment.
- If paying by check or money order, make payable to: "Seven Corners" and enclose it together with completed Application.
- If paying by credit card, complete Application and mail or fax to us. Be sure to sign Method of Payment section.
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Complete and return the Application with your payment for the total premium to:
Contact Us
(You may fax if paying by credit card only. Originals are not required if applications is faxed to us with credit card payment)
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$0 Per Injury / Sickness Deductible Per Person
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Plan A
$45,000 Maximum
Daily Rate
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Plan B
$65,000 Maximum
Daily Rate
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Plan C
$85,000 Maximum
Daily Rate
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Plan D
$120,000 Maximum
Daily Rate
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Dependent Child
(Age 2 weeks - 18)*
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* Dependent Child rate is applicable when at least one parent will also be covered under Inbound Guest.
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$50 Per Injury / Sickness Deductible Per Person
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Plan A
$45,000 Maximum
Daily Rate
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Plan B
$65,000 Maximum
Daily Rate
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Plan C
$85,000 Maximum
Daily Rate
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Plan D
$120,000 Maximum
Daily Rate
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Dependent Child
(Age 2 weeks - 18)*
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* Dependent Child rate is applicable when at least one parent will also be covered under Inbound Guest.
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$100 Per Injury / Sickness Deductible Per Person
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Plan A
$45,000 Maximum
Daily Rate
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Plan B
$65,000 Maximum
Daily Rate
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Plan C
$85,000 Maximum
Daily Rate
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Plan D
$120,000 Maximum
Daily Rate
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Dependent Child
(Age 2 weeks - 18)*
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* Dependent Child rate is applicable when at least one parent will also be covered under Inbound Guest.
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$200 Per Injury / Sickness Deductible Per Person
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Plan J
$40,000 Maximum
Daily Rate
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Plan K
$60,000 Maximum
Daily Rate
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Please be aware that this is not a general health insurance policy, but an interim program intended for temporary use. Inbound Guest does not
guarantee payment to a facility or individual for medical expenses until the Company determines that it is an eligible expense.
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Refund of premium shall be considered only if written request is received by Seven Corners prior to the Effective Date of Coverage. After the
Effective Date of Coverage, the premium is considered fully earned and non-refundable.
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The Insurance Company
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Inbound Guest is underwritten by Certain Underwriters at Lloyd’s, London and is rated A “Excellent” by A.M. Best. In addition to being one of the
largest insurance entities in the world, Lloyd’s has over 300 years of experience in the international insurance business.
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