medical insurance that covers you no matter where you live

comprehensive worldwide coverage • choice of deductibles • provides up to $5,000,000 in lifetime benefits coverage for families & individuals

primary schedule of benefits

The following is the Schedule of Benefits for the first three Policy Periods. After completion of three (3) consecutive and continuous Policy Periods, the Extended Coverage Schedule of Benefits applies. A Policy Period is 364 days in length.

lifetime maximum benefit	$5,000,000 per Insured Person.
policy period deductible options	$250; $500; $1,000; $2,500; $5,000 Maximum of three (3) Deductible payments for families enrolling on one Application.
inside of the united states and canada	After the Deductible, the Policy pays 80% of the next $5,000 of Eligible Expenses, then 100% up to the Policy Maximum. Expenses incurred inside the United States and Canada must be Pre-Notified using Seven Corners' Pre-Notification Program. If Services and Treatment eligible for coverage under this Certificate are received directly from an approved PPO Service Provider while the Insured Person is in the United States: (a) the Company will reduce by 50% any part of the Deductible applicable to such Eligible Benefits, and (b) the Company will waive any and all Coinsurance applicable to such Eligible Benefits.
outside of the united states and canada	After the Deductible, the Policy pays 100% of Eligible Expenses to the Policy Maximum. Expenses incurred must be Pre-Notified using Seven Corners' Pre-Notification Program
. inpatient hospital expenses	Average Semi-Private room and board; Usual, Reasonable, and Customary (URC) Physician Charges, Prescription Medications, Durable Medical Equipment, Nursing Services and X-Rays up to the Policy Maximum.
intensive care	Intensive Care room and board; Usual, Reasonable, and Customary (URC) Physician Charges, Prescription Medications, Durable Medical Equipment, Nursing Services and X-rays up to the Policy Maximum.
surgery	Usual, Reasonable, and Customary (URC) Charges for Surgery, Physician and Anesthetics up to the Policy Maximum.
hospital daily indemnity benefit	$50 per day ($1,000 maximum per Policy Period), for every Medically Necessary night spent in a Hospital (Hospital Admission) outside of the United States and Canada. This payment is not related to the hospital charges and is paid in addition to all other Eligible Benefits. An additional Daily Indemnity Benefit Rider may be purchased to increase this benefit limit to $200 per day.
outpatient treatment	Usual, Reasonable, and Customary (URC) Charges for Emergency Treatment, Surgery, Physician's office, Prescription Medication up to the Policy Maximum.
physiotherapy, chiropractic	Up to $75 per visit ($10,000 Lifetime Maximum), when referred in advance by a Physician.
medical supplies	Usual, Reasonable, and Customary (URC) Charges up to Policy Maximum.
ambulance	Usual, Reasonable, and Customary (URC) Charges up to Policy Maximum.
well child care	Up to $200 per Policy Period Maximum for checkups and routine visits after a one hundred and eighty (180)-day waiting period. Under age nineteen (19). Not subject to Deductible or Coinsurance.
maternity	Usual, Reasonable, and Customary (URC) Charges up to limits below, per Pregnancy, must be Pre-Notified within the first ninety (90) days of Pregnancy. Waiting period of three hundred and sixty-four (364) days before maternity benefit begins. After completion of one (1) continuous Policy Period: $1,000 After completion of two (2) continuous and consecutive Policy Periods: $2,000 After completion of three (3) continuous and consecutive Policy Periods: $3,000 After completion of four (4) continuous and consecutive Policy Periods: $4,000 After completion of five (5) continuous and consecutive Policy Periods: $5,000
mental & nervous	Usual, Reasonable, and Customary (URC) Charges up to a Maximum of $10,000 per Policy Period after a three hundred and sixty-four (364)-day waiting period. Inpatient limited to a maximum of forty-five (45) days per Policy Period. Outpatient limited to a maximum of forty (40) visits per Policy Period at 70% of Eligible Expenses. Lifetime Maximum of $30,000.
newborn benefit	Maximums listed below per eligible pregnancy for the first thirty-one (31) days after birth. After completion of one (1) continuous Policy Period: $1,000 After completion of two (2) continuous and consecutive Policy Periods: $2,000 After completion of three (3) continuous and consecutive Policy Periods: $3,000 After completion of four (4) continuous and consecutive Policy Periods: $4,000 After completion of five (5) continuous and consecutive Policy Periods: $5,000
dental	Usual, Reasonable, and Customary (URC) Charges for repair and replacement of sound, natural teeth damaged as a result of an accident, limited to $500 per Policy Period. A Dental Benefit Rider may be purchased. Please see details included in this brochure.
emergency medical evacuation	$250,000 Limit per person per Policy Period - when adequate medical facilities and/or treatment are not available (Pre-approval required).
repatriation of remains	$25,000 Limit per person - (Pre-approval required).
emergency medical reunion	$10,000 Limit per person per Policy Period - (Pre-approval required).
preventive benefits	Females and Males Age nineteen (19) and over up to $175 per Policy Period Maximum for checkups, routine physical exams, female preventative exams and mammograms after a one hundred and eighty (180)-day waiting period. Not subject to Deductible or Coinsurance.
accidental death & dismemberment (ad&d)	24-Hour AD&D: Principal Sum: $10,000 for Insured and Spouse, $2,000 for Dependent Children. Common Carrier AD&D: Principal Sum: $40,000 for Insured and Spouse, $8,000 for Dependent Children.
lifetime transplant benefit	Up to $1,000,000 per Insured Person.

benefit options

Seven Corners offers additional benefit options for your review and possible selection. These are in addition to the standard Reside Prime program benefits and cannot be purchased independently.

ad&d principal sum rider	Reside Prime includes a standard Accidental Death & Dismemberment (AD&D) Principal Sum as mentioned above. Additional amounts are available to provide further protection should something happen to you or your family during your Policy Period. For the primary insured, additional amounts of $100,000; $200,000; $300,000; $400,000 or $500,000 are available. Additional amounts may not exceed seven (7) times your annual income.
dental rider	Reside Prime offers an option for a Dental Rider. Whether you are at home or abroad, you now have access to a dental package that will provide protection worldwide. Please see details included in this brochure.
sports rider	Your time spent abroad could include a few adventurous activities. If you plan to participate in sporting activities, our Optional Sports Rider provides $25,000 Lifetime Maximum coverage for mountaineering where ropes or guides are normally used up to 4500 meters, hang gliding, parachuting and bungee jumping. It also provides $7,500 Lifetime Maximum coverage while participating in amateur sports or interscholastic athletics sponsored by a school or organization when not engaged for wage or profit.
hospital daily indemnity rider	The Hospital Daily Indemnity Rider protects you against unforeseen expenses worldwide should you or a covered member of your family find yourself in the unfortunate position of a hospital admission. This option pays $150 (additional to standard benefit of $50, if applicable) per night, should an Insured Person be admitted to a hospital for a covered condition outside the United States and Canada. This payment is not related to the hospital charges and is paid in addition to all other eligible benefits.

description of benefits

who needs this plan?

U.S. Citizens: If you are a U.S. citizen relocating or spending an extended amount of time overseas, security and flexibility are two essential ingredients you need in your medical coverage. There are thousands of medical insurance programs offered throughout the world, but there are many differences in the quality of both the programs and the insurance companies offering them. As a U.S. citizen, you are accustomed to a certain degree of stability. Reside Prime provides the same level of security abroad that you experience at home.

Foreign Nationals: A comprehensive plan providing protection in your home country, as well as the freedom to travel abroad, is hard to find. Finding a program with these qualities offered by a secure company is next to impossible. The Reside Prime plan combines the stability and financial strength of a superior underwriter with the flexibility of a universal policy.

eligibility

You may purchase coverage through the Reside Prime program if you are at least fourteen (14) days of age and have not yet reached age seventy-five (75). As long as your coverage begins before your 75th birthday, you are eligible for renewal.

worldwide coverage

No matter where you live or travel, Reside Prime has the right solution to meet your needs. Reside Prime has two coverage areas from which to choose, with a different premium schedule for each. With both options, your time in the United States must be limited to 180 days during any given three hundred and sixty-four (364) day period.

If your plans include residing in or traveling to the United States or Canada, you need to select Geographical Treatment Area A (worldwide coverage including the U.S. and Canada).

If you are certain that your plans do not include residing in or traveling to the United States or Canada, you may select Geographical Treatment Area B (worldwide coverage excluding the U.S. and Canada).

Make sure you are thorough in your selection. After a Geographical Treatment Area is chosen and purchased, changes are not available on the same certificate. If you believe you will spend any time in the United States or Canada, it is best to select the Worldwide Coverage option (Geographical Treatment Area A). If Treatment Area B is selected, there is no coverage for claims in the United States and Canada.

*It is the Insured Person’s responsibility to maintain all records regarding travel history, age and student status and provide any documents to the Administrator, which would verify the Eligibility Requirements.

how long may i be covered under reside prime?

The Reside Prime program is renewable as long as you continue to meet the Eligibility Requirements, and we receive the applicable renewal premium. The initial Period of Coverage and each subsequent renewal Period of Coverage may not exceed three hundred and sixty-four (364) days. You will not be required to answer any additional medical questions upon renewal, only verify continued eligibility. The company cannot single out an individual for cancellation, they can only cancel coverage for an entire class* of insureds.

For those who remain continuously insured for more than three consecutive Policy Periods, Reside Prime provides Extended Coverage Benefits. Please see the section of this brochure entitled, Extended Coverage Schedule of Benefits, for more details.

*A "class" is a group of people defined by a common characteristic, including but not limited to a demographic group and geographic region.

applying for coverage

To apply, you may complete the Online application (alternatively, complete a paper application) in full and pay the appropriate premium, given your age category, coverage area, and desired deductible amount. Be sure to answer all sections and questions completely, accurately, and legibly. The application you complete becomes part of your Certificate of Coverage should you be accepted. After the underwriters have had an opportunity to review your application, Seven Corners may request additional information. If you are accepted, you will receive an ID Card confirming your Effective Date and conditions of acceptance and a Certificate of Coverage. The Certificate of Coverage describes the program in complete detail and explains how to utilize your plan. If you are ultimately not accepted, Seven Corners will return your premium without delay.


Reside Prime provides maternity and Newborn Child(ren) benefits to eligible Insured Persons. See Schedule of Benefits for limits and conditions. A pregnancy must be Pre-Notified during the first ninety (90) days of the pregnancy. The plan does not pay expenses related to a pregnancy within the first three hundred and sixty-four (364) days of coverage.


A Newborn Child(ren) will automatically be covered for the first thirty-one (31) days after birth, provided the mother remains eligible for coverage and the pregnancy was considered eligible as defined in the Certificate. In order to be covered beyond the first thirty-one (31) days, Seven Corners must receive an application and any applicable premium within thirty-one (31) days of the birth of the Newborn Child(ren). The Newborn Child(ren) will automatically be covered, however, it is possible that coverage will be modified with riders which would limit or exclude certain medical conditions and/or body parts. In no event shall the Company’s maximum liability exceed the maximum amount stated in the Schedule of Benefits.


Pre-existing Conditions: If an existing medical condition is fully and accurately disclosed on the application, and the condition is not excluded or restricted by an exclusionary rider, your pre-existing condition will be covered up to a lifetime maximum of $50,000 ($5,000 limit per Policy Period), after you have been continuously insured for two (2) consecutive and continuous Policy Periods.

Pre-existing conditions include any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause, including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time prior to the Individual Effective Date of Coverage under this Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment prior to the Individual Effective Date of Coverage under this Certificate.

The following conditions, treatments, supplies, services, and/or expenses are not covered. (This is a Summary of the Exclusions contained in the Certificate of Coverage.):

• Charges for treatment of the following illnesses or surgeries, which manifest themselves or are recommended, or in which symptoms occur during the first one hundred and eighty (180) days of the coverage: any condition of the breast, any condition of the prostate, disorders of the reproductive system, gall stones or kidney stones, any acne diagnosis or acne-related condition, or any surgery that is not emergency in nature, as emergency is defined hereunder.
• Pre-existing conditions as defined above.
• Expenses for pregnancy within the first three hundred and sixty-four (364) days of coverage.
• Claims not presented to Company within ninety (90) days following incident.
• Treatment that is not considered medically necessary, treatment that exceeds reasonable and customary charges, treatment provided at no cost to the Insured Person, or treatment performed by a relative or anyone who lives with the Insured Person.
• Experimental treatment.
• Suicide or any attempted suicide.
• War or warlike operations.
• Injury in organized, professional, amateur, or interscholastic athletics.
• Routine physicals or procedures.
• Treatment of the temporomandibular joint.
• Vocational, occupational, speech, recreational or music therapy.
• Cosmetic surgery except as a result of a covered accident.
• Dental or eye treatment unless otherwise covered.
• Treatment for and injuries/illnesses due to alcohol, chemical, or drug use.
• Telephone consultations.
• Treatment or services relating to custodial, rehabilitative, or nursing home care.
• Congenital conditions.
• Non-medical expenses.
• Self-inflicted Injury or Illness.
• Expenses in connection with the commission or attempt of a criminal offense.
• Injury while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing, SCUBA diving (unless PADI, NAUI, YMCA, SSI or PDIC certified). (A Sports Rider may be purchased to cover certain activities.)
• Treatment of venereal or sexually transmitted disease.
• Treatment due to HIV or AIDS.
• Treatment relating to infertility.
• Treatment for Chronic Fatigue Syndrome.
• Occupational Diseases.
• Expenses in connection with weight control.

This brochure is only a brief description of Reside Prime. A complete description of the Master Policy Provisions and Benefits are contained in the Certificate of Coverage, which will be provided to you after your application and premium have been received and approved by Seven Corners. To view a sample copy of the Certificate see program summary.


After the completion of three (3) consecutive and continuous Policy Periods, the following Extended Coverage Schedule of Benefits applies beginning on the 1st day of the fourth Policy Period, including adeductible increases as noted below. All other conditions of the policy continue to apply.

lifetime maximum benefit	$2,500,000 per Insured Person.
policy period deductible options	Deductibles will be increased by $250 according to the following schedule: $250 becomes $500; $500 becomes $750; $1,000 becomes $1,250; $2,500 becomes $2,750; $5,000 becomes $5,250
inside of the united states and canada	Maximum of three (3) deductible payments for families enrolling on one application. After the Deductible, the Policy pays 80% of the next $5,000 of eligible expenses, then 100% up to the Policy Maximum. Expenses incurred inside the United States and Canada must be Pre-Notified using Seven Corners' Pre-Notification Program. If Services and Treatment eligible for coverage under this Certificate are received directly from an approved PPO Service Provider while the Insured Person is in the United States: (a) the Company will reduce by 50% any part of the Deductible applicable to such Eligible Benefits, and (b) the Company will waive any and all Coinsurance applicable to such Eligible Benefits.
outside of the united states and canada	After the Deductible, the Policy pays 100% of eligible expenses to the Policy Maximum. Expenses incurred must be Pre-Notified using Seven Corners' Pre-Notification Program.
inpatient hospital expenses	Average Semi-Private room and board; Usual, Reasonable, and Customary (URC) Physician Charges, Prescription Medications, Durable Medical Equipment, Nursing Services and X-Rays, up to a limit of $2,000 per day, up to the Policy Maximum.
intensive care	Intensive Care room and board; Usual, Reasonable, and Customary (URC) Physician Charges, Prescription Medications, Durable Medical Equipment, Nursing Services and X-rays, up to a limit of $4,000 per day, up to the Policy Maximum.
surgery	Usual, Reasonable, and Customary (URC) Charges for Surgery and Physician up to the Policy Maximum. Anesthetics limited to one provider for a maximum benefit of 20% of the amount billed and eligible primary surgeon's charge.
hospital daily indemnity benefit	$50 per day ($1,000 maximum per Policy Period), for every Medically Necessary night spent in a Hospital (Hospital Admission) outside of the United States and Canada. This payment is not related to the hospital charges and is paid in addition to all other Eligible Benefits. An additional Daily Indemnity Benefit Rider may be purchased to increase this benefit limit to $200 per day.
outpatient treatment	Usual, Reasonable, and Customary (URC) Charges for Emergency Treatment, Surgery, Physician’s office, Prescription Medication up to the Policy Maximum. Physician Charges, limit of $150 per visit Hospital Charge, $100 co-pay unless admitted, then waived Urgent Care Facility, $25 co-pay Diagnostic Lab and X-Rays limited to $5,000 per Policy Period
physiotherapy, chiropractic	Up to $75 per visit, $1,000 maximum per Policy Period ($10,000 Lifetime Maximum), when referred in advance by a Physician.
medical supplies	Usual, Reasonable, and Customary (URC) Charges up to Policy Maximum.
ambulance	$100 per incident.
well child care	Up to $200 per Policy Period Maximum for checkups and routine visits after a one hundred and eighty (180)-day waiting period. Under age nineteen (19). Not subject to Deductible or Coinsurance.
maternity	Usual, Reasonable, and Customary (URC) Charges up to limits below, per Pregnancy, must be Pre-Notified within the first ninety (90) days of Pregnancy. Waiting period of three hundred and sixty-four (364) days before maternity benefit begins. After completion of one (1) continuous Policy Period: $1,000 After completion of two (2) continuous and consecutive Policy Periods: $2,000 After completion of three (3) continuous and consecutive Policy Periods: $3,000 After completion of four (4) continuous and consecutive Policy Periods: $4,000 After completion of five (5) continuous and consecutive Policy Periods: $5,000
mental & nervous	$2,000 maximum per Policy Period. Inpatient limited to a maximum of twenty-five (25) days per Policy Period. Outpatient limited to a maximum of twenty (20) visits per Policy Period, at 70% of eligible expenses, up to $75 maximum per visit. Lifetime maximum of $30,000.
newborn benefit	Maximums listed below per eligible pregnancy for the first thirty-one (31) days after birth. After completion of one (1) continuous Policy Period: $1,000 After completion of two (2) continuous and consecutive Policy Periods: $2,000 After completion of three (3) continuous and consecutive Policy Periods: $3,000 After completion of four (4) continuous and consecutive Policy Periods: $4,000 After completion of five (5) continuous and consecutive Policy Periods: $5,000
dental	Usual, Reasonable, and Customary (URC) Charges for repair and replacement of sound, natural teeth damaged as a result of an accident, limited to $500 per Policy Period. A Dental Benefit Rider may be purchased to expand Dental Coverage. Please see details in this brochure.
emergency medical evacuation	$250,000 Limit per person per Policy Period - when adequate medical facilities and/or treatment are not available. (Pre-approval required).
repatriation of remains	$15,000 Limit per person - (Pre-approval required).
emergency medical reunion	$10,000 Limit per person per Policy Period - (Pre-approval required).
preventive benefits	Females and Males Age nineteen (19) and over up to $175 per Policy Period Maximum for checkups, routine physical exams, female preventative exams and mammograms after a one hundred and eighty (180)-day waiting period. Not subject to Deductible or Coinsurance.
accidental death & dismemberment (ad&d)	24-Hour AD&D: Principal Sum: $10,000 for Insured and Spouse, $2,000 for Dependent Children. Common Carrier AD&D: Principal Sum: $40,000 for Insured and Spouse, $8,000 for Dependent Children.
lifetime transplant benefit	Up to $500,000 per Insured Person.
chemotherapy or radiation therapy	Up to $10,000 per Policy Period, Lifetime Maximum of $50,000.
outpatient prescription medications	Limit of $5,000 per Policy Period for each Insured Person .

To ensure you receive the best care possible, Reside Prime requires that you (or someone on your behalf) contact Seven Corners Assist before all hospital admissions worldwide and prior to incurring any medical expenses. The methods of contacting Seven Corners Assist appear on the back of your ID Card. With early intervention, our Assist department can provide guidance with your medical care. If necessary, we can provide medical referrals and case monitoring.

Services and Treatment in the United States must be received at an approved PPO Service Provider facility, if one exists within a fifty (50)-mile radius of your location. To obtain a list of approved PPO Service Providers, please use our Current Clients section.

If Services and Treatment eligible for coverage under this Certificate are received directly from an approved PPO Service Provider while you are in the United States: (a) Your Deductible will be reduced by 50%, and (b) Your Coinsurance will be waived.

Using a PPO Service Provider is not required when you are converted to the Extended Coverage Schedule of Benefits. Our Assistance Department is available to help you locate a provider in your area should you need Services and/or Treatment.


Reside Prime is underwritten by Certain Underwriters at Lloyd’s of London and Tramont Insurance Company Limited. Your residence address determines which insurance carrier will provide your coverage. Pricing and benefits are identical for both Lloyd’s of London and Tramont Insurance Company Limited.

Lloyd’s of London has over 300 years of experience in the international insurance business and is one of the largest insurance entities in the world. Tramont Insurance Company Limited is a worldwide insurer with the expertise necessary to provide quality international health insurance. Both Lloyd’s of London and Tramont have the experience and financial strength to provide you with the security you need in a health insurance provider.


It is important to note that Reside Prime is a program for international citizens, and Lloyd’s of London and Tramont Insurance Company Limited are both international insurance entities. Lloyd’s of London operates as a surplus lines insurer in most U.S. states. Tramont Insurance Company Limited operates as an authorized insurer worldwide (coverage with Tramont cannot be initiated and purchased in the British Virgin Islands, U.S. Virgin Islands, and the United States, although you will be covered in these areas per the plan requirements). Coverage and benefits under Reside Prime are not regulated by any U.S. state insurance department.

The information concerning Reside Prime is not intended to be an offer to sell Reside Prime or a solicitation by Seven Corners, Inc., Lloyd’s of London, or Tramont Insurance Company Limited in any jurisdiction where any such sale would be unlawful, or in which Seven Corners, Lloyd’s of London, and Tramont Insurance Company Limited are not qualified to do so. Reside Prime may not be available in all situations or jurisdictions. Reside Prime is intended for persons living or traveling outside the United States.


Seven Corners, Inc. has administered the Reside Prime Medical Plan since its inception. With 18 years of experience in the international insurance market, Seven Corners is well equipped to handle the unique requirements of international citizens. We have a strong history of providing innovative solutions necessary to address foreign currencies, international medical providers, and nonstandard records and documents often encountered in the international arena. Our staff of professionals serves the needs of thousands of policyholders throughout the world. We have provided international insurance plans for private citizens, governments, missionaries, students, and corporations of various nations around the globe. You can feel confident knowing that Seven Corners is here to assist you with your needs from the time you complete your application through the claims payment process.

In California, operating under the name Seven Corners Insurance Services.


dental benefits

Benefit	Policy Period 1	Policy Period 2	Policy Period 3 and after
class I preventative benefits Children ages 8 through 17 years (after 90-day waiting period)	100%	100%	100%
class II standard benefits (after 180-day waiting period)	55%	70%	85%
class III significant dental benefits (after 180-day waiting period)	30%	40%	50%
deductible (per person per policy period)	$100	$100	$100
maximum benefit (per person per policy period)	$500	$750	$1,000

class I: preventative
Usual, Reasonable and Customary Cost for:

• Oral exams, limit two per Policy Period
• Full mouth x-rays, limit one every 180 days
• Bitewing x-rays, limit one per Policy Period
• Cleaning and scaling of teeth (oral prophylaxis) limit one every 180 days
• Topical fluoride treatment limit one per Policy Period, children up to and including age 12
• Space maintainers
• Sealants, children up to and including age 12

class II: basic restoration, endodontic, periodontal, oral surgery, diagnostic benefit dental services
Usual, Reasonable, and Customary Cost for:

• Fillings – amalgam, silicate, acrylic, synthetic porcelain or composite fillings
• X-rays
• Extractions
• Root canal treatment
• Treatment of periodontal disease and other disease of the gums and tissues of the mouth
• Oral surgery except procedures covered under any medical plan
• Administration of general anesthesia, when medically necessary during oral surgery
• Emergency palliative treatment
• Injections of antibiotic drugs

class III: crowns, bridges, dentures
Usual, Reasonable and Customary Cost for installation or replacement of one or more natural teeth which are lost for:

• Initial Installation of fixed bridgework
• Installation for the first time of: (a)partial removable denture; or (b) full removable denture
• Replacing an existing removable denture or fixed bridgework
• Replacing an existing immediate temporary full denture by a new permanent full denture
• Adding teeth to an existing partial removable denture or to bridgework
• Inlays and onlays
• Crowns and their replacements, but not more than one replacement per crown every five years
• Repair or re-cementing of: (a) crowns; or (b) inlays or onlays; or (c) dentures; or (d) bridgework

If dental expenses are expected to exceed $250, you must pre-notify Seven Corners before treatment.

Seven Corners Assist is a leading provider of customized emergency assistance services to international organizations, corporations, government entities, insurance companies, and individual travelers. Regardless of the location, Seven Corners Assist provides valuable assistance in locating the best possible medical treatment.

In today’s world, companies and international citizens must operate in strange lands and challenging environments. In some situations, individuals must travel to developing regions where the quality of care is in question. In an effort to alleviate these concerns, proper worldwide medical assistance is essential.

With access to a network of emergency room physicians, Seven Corners Assist is able to effectively evaluate the quality of local care. Our Seven Corners Assist physician will consult with the attending physician (if available) to review local standards and discuss the proposed course of treatment. If the quality of care is in question, Seven Corners Assist will arrange medical transportation to a location where adequate care can be rendered.

The following services are available 24 hours a day, 7 days a week from our multilingual staff of service professionals:

Assistance With Travel

pre-trip information: Provide information concerning inoculation and visa requirements for countries worldwide

weather information: Local weather conditions

exchange rate information: Present day currency rates, etc.

embassy referral: Provide contact information for the nearest embassies

interpreter referral: Contact information for interpreters around the world

lost passport: Provide directions for lost passport recovery while you are traveling

emergency message: In the event of a medical emergency, assistance in relaying urgent messages to family, friends, or business associates

hotel accommodation: In case you are hospitalized outside of your home country, we will provide assistance in locating hotel accommodations for your companion

Medical Assistance While Traveling

24-hour telephone contact: Locate appropriate medical care for you

conference calls: Arrange telephone conferences between your attending and home physicians

second opinions: Arrange second medical opinions in hospital cases

emergency messages: Relay emergency messages to family and employer during medical emergencies

payment guarantee: Ability to guarantee payment of medical bills or authorize medical benefits, for eligible benefits only

ticketing services: 24-hour ticketing service to arrange emergency family visits

medical evacuations: Arrange emergency medical evacuation from medically underserved areas

repatriation: Arrange medical transportation home after treatment

medical / travel escorts: Arrange escorts and transportation for unaccompanied children

medical records: Arrange transfer of medical records

remains return: Arrange repatriation of remains for deceased travelers


Policy Period Medical Premiums Effective January 1, 2012
worldwide coverage including united states and canada (geographical treatment area a)

	If you choose a $250 Annual Deductible		If you choose a $500 Annual Deductible		If you choose a $1,000 Annual Deductible		If you choose a $2,500 Annual Deductible		If you choose a $5,000 Annual Deductible
Age	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female
19 through 29	$1,021	$1,597	$886	$1,422	$709	$1,029	$613	$885	$481	$753
30 through 39	$1,101	$1,763	$942	$1,588	$762	$1,150	$662	$1,010	$520	$838
40 through 44	$1,467	$1,989	$1,342	$1,747	$1,073	$1,345	$924	$1,223	$721	$1,057
45 through 49	$1,698	$2,039	$1,531	$1,885	$1,182	$1,474	$1,063	$1,307	$869	$1,082
50 through 54	$2,019	$2,219	$1,809	$2,033	$1,445	$1,619	$1,338	$1,459	$1,074	$1,176
55 through 59	$2,629	$2,554	$2,327	$2,319	$1,900	$1,773	$1,609	$1,564	$1,350	$1,308
60 through 64	$3,693	$3,496	$3,453	$3,215	$2,747	$2,552	$2,591	$2,406	$2,178	$1,915
65 through 69	$7,386	$6,641	$7,125	$6,242	$6,622	$5,675	$5,119	$4,724	$4,496	$4,144
70	9,381	8,435	9,049	7,928	8,410	7,208	6,502	6,000	5,710	5,263
71	10,308	9,026	9,683	8,483	8,999	7,713	6,958	6,420	6,110	5,632
72	11,030	9,658	10,361	9,077	9,629	8,253	7,446	6,870	6,538	6,027
73	11,803	10,335	11,087	9,713	10,304	8,831	7,968	7,351	6,996	6,449
74	12,630	11,059	11,864	10,393	11,026	9,450	8,526	7,866	7,486	6,901
Dep. Child*	$970	$970	$842	$842	$674	$674	$582	$582	$457	$457
Child Alone** (Age 14 Days to 18)	$1,021	$1,021	$886	$886	$709	$709	$613	$613	$481	$481

worldwide coverage excluding united states and canada (geographical treatment area b)

	If you choose a $250 Annual Deductible		If you choose a $500 Annual Deductible		If you choose a $1,000 Annual Deductible		If you choose a $2,500 Annual Deductible		If you choose a $5,000 Annual Deductible
Age	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female
19 through 29	$771	$1,206	$670	$1,074	$535	$776	$463	$669	$363	$569
30 through 39	$815	$1,304	$697	$1,175	$563	$851	$490	$748	$385	$620
40 through 44	$1,093	$1,482	$999	$1,302	$799	$1,002	$689	$911	$537	$788
45 through 49	$1,256	$1,509	$1,133	$1,395	$874	$1,092	$787	$967	$643	$801
50 through 54	$1,524	$1,676	$1,365	$1,535	$1,091	$1,223	$1,010	$1,102	$810	$888
55 through 59	$1,972	$1,915	$1,745	$1,739	$1,425	$1,329	$1,207	$1,173	$1,013	$980
60 through 64	$2,751	$2,605	$2,573	$2,395	$2,046	$1,901	$1,930	$1,793	$1,624	$1,427
65 through 69	$5,465	$4,914	$5,273	$4,620	$4,901	$4,199	$3,788	$3,496	$3,327	$3,067
70	6,941	6,241	6,697	5,867	6,225	5,333	4,811	4,440	4,226	3,896
71	7427	6,678	7,166	6,278	6,661	5,707	5,148	4,751	4,522	4,169
72	7,947	7,146	7,668	6,718	7,128	6,107	5,509	5,084	4,839	4,461
73	8,504	7,647	8,205	7,189	7,627	6,535	5,895	5,440	5,178	4,774
74	9,160	8,183	8,780	7,693	8,161	6,993	6,308	5,821	5,541	5,109
Dep. Child*	$732	$732	$637	$637	$508	$508	$440	$440	$345	$345
Child Alone** (Age 14 days to 18)	$771	$771	$670	$670	$535	$535	$463	$463	$363	$363

premiums for optional benefits

AD&D Principal Sum Rider:	Dental Rider:	Sports Rider:	Hospital Indemnity Benefit Rider:
Benefit Annual Premium $100,000 $143 $200,000 $286 Primary Insured and/or Spouse $300,000 $429 Primary Insured Only $400,000 $572 Primary Insured Only $500,000 $715 Primary Insured Only Child $10,000 $15	For U.S. Citizens: $359 per person per coverage period For non-U.S. Citizens: $508 per person per coverage period (if selected for one, then all applicants must purchase the option)	$240 per person per coverage period (if selected for one, then all applicants must purchase the option)	Benefit is an additional $150 per night for a covered hospital admission, maximum thirty (30) nights per policy period. $145 per person per coverage period (if selected for one, then all applicants must purchase the option)

* The Dependent Child Premium is available when at least one parent (legal guardian), of a natural or legally adopted unmarried child at least fourteen (14) days old and under nineteen (19) years of age (or under twenty-four (24) years of age if attending a university full-time and must rely on parents for support), is also covered under the same program. **Children applying without an insured parent or guardian on the same program must use the Child Alone rates.

If the Applicant desires to pay premiums in two, four, or twelve installments per Policy Period, they must do so by credit card payment only. Seven Corners will automatically debit the credit card on the due date of the premium installment. The Premium Installment Factors to be applied to the Total Premium are as follows:

One Payment per Policy Period 1.00 / Two Payments per Policy Period 0.55 / Four Payments per Policy Period 0.28 / Twelve Payments per Policy Period 0.10

IMPORTANT NOTICE: The premiums referenced above are applicable for the initial three hundred and sixty-four (364) day coverage period, only after the Applicant has been accepted by Seven Corners. Seven Corners reserves the right to increase the stated premiums based upon the Applicant’s medical condition at the time of application and underwriting. Applicants with chronic and/or severe medical conditions may be declined. At each renewal period, Seven Corners will inform the Applicant of the renewal premium for each subsequent coverage period based upon the Applicant’s age and deductible category.

Attention Applicants: Certain Underwriters at Lloyd’s of London, operates as an approved Surplus Lines market in the United States. The premiums listed above include a general Surplus Lines Tax. Your State of Residence may warrant an additional Surplus Lines Tax, Stamping Fee, and administration fee. Upon receipt and review of your application, Seven Corners will inform you if additional Surplus Lines Taxes and fees will apply. If so, Seven Corners will request the payment of the additional Surplus Lines Taxes and fees from you prior to issuing coverage. The additional Surplus Lines Taxes and fees shall be listed on the declaration page of your policy. For Tramont Insurance Company Limited, the premiums listed above include an Administrative Fee which shall be listed on the declaration page of your policy. There will not be any variation in the amount of this fee.


Insubuy^®, Inc.
4700 Dexter Dr.
Suite 100
Plano TX 75093

Toll Free: (866) INSU-BUY

Fax: (972) 767-4470