Inbound Immigrant Plan Details |
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Policy Maximum
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Maximum medical coverage is $50,000 or $100,000 per each injury or sickness. For 70+ age group coverage is limited to $50,000.
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Deductible
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$75 and $150 per each injury or sickness (deductible applies only once for each injury or sickness and not each time you visit the hospital or doctor. For 70+ age group deductible is $125 and $250 per each injury or sickeness.
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Eligibility
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- Available to non-USA citizens traveling to the United States for business, pleasure, to study or to immigrate. The program must become effective within 24 months of arrival in the United States. |
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Pre-Existing Condition Definition |
- Pre-Existing Condition means the existence of symptoms within the six (6) months (12 months for Insured Persons 70 and older) immediately prior to the Insured Person's Effective Date under the policy; any condition which originates, is diagnosed, treated or recommended for treatment within six (6) months (12 months for Insured Persons 70 and older) immediately prior to the Insured Person's Effective Date under the policy; or congenital conditions.
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Coverage
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For accidental or incurred illness only, no routine doctor visits.
- Hospital room & board charges
- Hospital intensive care unit charges
- Physician (hospital & doctor office visits), surgeon, nursing services fee
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- Diagnostics: X-Rays, MRI, CAT scan, urine analysis etc
- Prescription Drugs
- Dental: Only injury to sound natural teeth covered
For exclusions see details in brochure.
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Underwriter
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Inbound Immigrant is underwritten by Certain Underwriters at Lloyd’s of London and is rated A “Excellent” by A.M. Best.
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Comparative Advantages of Inbound Immigrant Insurance
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- Basic coverage at an affordable cost.
- Plan can be purchased initially for a maximum of 12 months and can be renewed up to 60 months.
- Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, the unused portion of plan cost minus cancellation charges may be refunded.
- Deductible per sickness/injury.
- This Plan also covers AD & D common carrier and Maternity for a limited amount(T&C apply).
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Some Limitations
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- Fixed benefit plan.
- Available for international travelers traveling to US.
- Does not cover pre-existing conditions.
- No provider network.
- Higher deductible for above 70 travelers.
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