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Important Note:
  • We have provide you some general information about plans. Please read plan brochure for detailed information.
  • These plans does not cover pre-existing conditions, routine checkup, vision, prenatal care, Etc. Please read brochure for list of exclusions.
  • All benefits are subject to URC (Usual, Customary and Reasonable Charges). All benefits, coverages and premium are in US dollars.

This page is for information purposes only. Please use this information at your own risk. If you have any question or doubt, we strongly recommend you to
read plan brochure or contact us.
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MCIS Multichoice Insurance Services
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(800) 507 - 1428
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This comparison chart
shows information for
Non-US citizens.
Inbound
Guest
®
Immigrant
Secure
Inbound
USA
®
VISITORS
CARE
®
Inbound Guest
Immigrant Secure
Inbound USA
Visitors Care
 
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Type of Coverage
Fixed Coverage
Per Incident/Sickness
Fixed Coverage
Per Incident/Sickness
Fixed Coverage
Per Incident/Sickness
Fixed Coverage
Policy Maximum
Per incident

$50,000 & $70,000 policy
- for all ages up to 99.

$50,000 to $130,000
policy - up to age 69.
Per incident

$25,000 & $50,000 policy -
for all ages up to 99.

$50,000 to $130,000 policy -
up to age 69.
Per incident

$50,000 & $70,000 policy -
for
all ages up to 99.

$50,000 to $130,000 policy -
up to age 69.
Lifetime maximum

$10,000 policy - for 80 &
above.

$25000, $50000 & $100000
policy - up to age 79.
Deductible
Per injury/sickness

$0, $50 & $100 are
available up to age 69.

$200 available for age 70
& above.
Per injury/sickness

$0, $50 & $100 are
available up to age 69.

$200 available for age 70 &
above.
Per injury/sickness

$0, $50 & $100 are available
up to age 69.

$200 available for age 70 &
above.
Per period of coverage

$50 & $100 are available for
all ages.

$0, $50 & $100 are available
up to age 69.
Co-Insurance
(Inside USA/Canada)
n/a
n/a
n/a
n/a
Co-Insurance
(Outside USA/Canada)
n/a
n/a
n/a
n/a
Provider Network
(Inside USA)
Visit any doctor/hospital
Yes
Visit any doctor/hospital
Yes
Provider Network
(Outside USA)
n/a
Yes
n/a
Yes
Renewal
Yes, Renew Online
Minimum 5 days of renewal
required.
Yes, Renew Online
Minimum 5 days renewal
required.
Yes, Renew Online
Minimum 5 days of renewal
required.
Yes, Renew Online
Minimum 5 days renewal
required.
Renewal fee charged by
Insurance Company
$5/renewal
$5/renewal
$5/renewal
$5/renewal
Administrator
Seven Corners (SC)
(Formally known as SRI)
MultiNational Underwriters
(MNU)
Seven Corners (SC)
(Formally known as SRI)
International Medical Group
(IMG)
Underwriter/Carrier
Lloyd's of London
Lloyd's
Lloyd's of London
Sirius International
A.M. Best Rating
A "Excellent"
A "Excellent"
A "Excellent"
A "Excellent"
Details
Quote
Benefits
Plan Description
Exclusions
Brochure
Claim form
Premium
Benefits
Plan Description
Exclusions
Brochure/Application
Claim form
Premium
Benefits
Plan Description
Exclusions
Brochure/Application
Claim form
Premium
Benefits
Plan Description
Exclusions
Brochure/Application
Claim form
Notes
Plan for Non-US citizens
traveling to USA.
Plan is currently not for
applicants physically located
in State of New York.
Plan for Non-US citizens
traveling to USA.
Plan is currently not available
in the State of Florida
Medical Coverage (For Outpatient treatment, please check "coverage details" available under detail section)
Hospital Room & Board
30 days maximum

$45,000 policy - up to
$1,260/day.

$85,000 policy - up to
$1,785/day.

For ages 70 & above - up
to $870/day.
30 days maximum

$50,000 policy - up to
$1,400/day.

$75,000 policy - up to
$1,675/day.

$100,000 policy - up to
$1,950/day.
30 days maximum

$50,000 policy - up to
$1,400/day.

$100,000 policy - up to
$1,950/day.

For ages 70 & above - up to
$1,050/day.
30 days maximum per
period of coverage.

$25,000 policy - up to
$825/day.

$50,000 policy - up to
$1,400/day.

$100,000 policy - up to
$1,950/day.
Intensive Care Unit (ICU)
8 days maximum

$45,000 policy - additional
$595/day.

$85,000 policy - additional
$790/day.
8 days maximum

$50,000 policy - $2,060/day.

$75,000 policy - $2,430/day.

$100,000 policy -
$2,800/day.
8 days maximum

$50,000 policy - additional
$660/day.

$100,000 policy - additional
$850/day.
8 days maximum per period
of coverage

$25,000 policy - additional
$400/day.

$50,000 policy - additional
$660/day.

$100,000 policy - additional
$850/day.
Doctor/Physician Visit
30 visits Maximum, 1
visit/day

$45,000 policy - up to
$50/visit.

$85,000 policy - up to
$75/visit.
30 visits Maximum

$50,000 policy - up to
$55/visit.

$75,000 policy - up to
$70/visit.

$100,000 policy - up to
$85/visit.
30 visits, 1 visit/day

$50,000 policy - up to
$55/visit.

$100,000 policy - up to
$85/visit.
30 visits per period of
coverage

$25,000 policy - up to
$40/visit.

$50,000 policy - up to
$55/visit.

$100,000 policy - up to
$85/visit.
Surgical Treatment
$45,000 policy - up to
$2,970.

$85,000 policy - up to
$4,840.
$50,000 policy - up to
$3,300.

$75,000 policy - up to
$4,400.

$100,000 policy - up to
$5,500.
$50,000 policy - up to
$3,300.

$100,000 policy - up to
$5,500.
Per surgical session

$25,000 policy - up to $2,000.

$50,000 policy - up to $3,300.

$100,000 policy - up to
$5,500.
Ambulance
up to $450 for all policy
maximum.
$50,000 & $130,000 policy -
up to $450.
up to $450 for all policy
maximum.
Per period of coverage

$25,000 policy - up to $250.

$50,000 & $100,000 policy -
up to $450.
Medicine/Prescription
Drug
$45,000 policy - up to $90.

$85,000 policy - up to
$135.

For ages 70 & above - up
to $65.
$50,000 policy - up to $100.

$75,000 policy - up to $125.

$100,000 policy - up to
$150.
$50000 policy - up to $100.

$100,000 policy - up to $150.

For ages 70 & above - up to  
$80.
Per period of coverage

$25,000 policy - up to $150.

$50,000 & $100,000 policy -  
up to $250.
X-Ray & Lab Services
$45,000 policy - up to
$405, additional $250 for
One Cat scan, PET scan or
MRI.

$85,000 policy - up to
$485, additional $500 for
One Cat scan, PET scan or
MRI.

For ages 70 & above - up
to $330, additional $250
for Once Cat scan, PET
scan or MRI.
$50,000 policy - US$450,
($250 allowable charge per
procedure)

$75,000 policy - US$475,
($375 allowable charge per
procedure)

$100,000 policy - US$500,
($500 allowable charge per
procedure)
$50,000 policy - up to $450,
additional $250 for One Cat
scan, PET scan or MRI.

$100,000 policy - up to 500,
additional $500 for One Cat
scan, PET scan or MRI.

For ages 70 & above - up to
$400, additional $250 for
Once Cat scan, PET scan or
MRI.
Per period of coverage

$25,000 policy - US$650,
($325 allowable charge per
procedure)

$50,000 policy - US$800,
($400 allowable charge per
procedure)

$100,000 policy - US$950,
($475 allowable charge per
procedure)
Pre-existing Conditions
--
--
--
--
Maternity
--
--
--
--
Dental Coverage
Dental - Acute,
unexpected pain
--
--
--
--
Dental - Accident related
emergency
up to $550.
$50,000 & $130,000 - up to
$550.
up to $550.
Per period of coverage

$25,000 policy - up to $150.

$50,000 & $100,000 - up to
$250.
Travel Coverage
Emergency Medical
Evacuation/Repatriation
$50,000
$50,000
$50,000
$50,000 (not to exceed plan
maximum)
Return of Mortal Remains
$7,500
$7,500
$7,500
$7,500
Emergency Reunion
--
--
--
--
Loss of Checked Luggage
--
--
--
--
Return of minor children
--
--
--
--
Trip Interruption
--
--
--
--
Political Evacuation
--
--
--
--
Life Coverage
Accidental death &
dismemberment (AD&D)
--
--
--
--
Common carrier
accidental death
$25,000
$25,000
$25,000
$25,000
Other Coverage
Terrorism coverage
--
--
--
--
Identity theft assistance
--
--
--
--
Hospital indemnity
--
--
--
--
Optional Coverage
Extreme sports rider
--
--
--
--
Trip cancellation
--
--
--
--
 
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