Insubuy Insurance

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ELIGIBILITY
WHO CAN BUY INBOUND® GUEST?

You are eligible for coverage if you are a non-United States citizen at least 14 days old who is traveling to the U.S. for business, pleasure, or to study. Your coverage must become effective within 180 days of your arrival in the United States.


It is your responsibility to maintain all records regarding travel history and age and provide necessary documents to the administrator to verify eligibility if required.


LENGTH OF COVERAGE

Your coverage length may vary from 5 days to 180 days. You have the option to renew coverage in any increment of 5 days or more (there is a $5 fee each time you renew). You may apply for a new period of coverage after 180 days if you return to your home country first.


Coverage Start Date - Coverage will begin on the latest of the following dates: the day after we receive your application and correct premium if you apply and pay online or by fax; or the day after the postmark date of your application and correct premium if you apply by mail; or the moment you depart your home country; or the date you request on your application.


Coverage Expiration Date - Your coverage ends at 12:01 AM North American Eastern Time on the earlier of the following: the date you return to your home country; 180 days after your effective date; the expiration date on your ID card; the day you become a U.S. citizen or enter into active military service.


Home Country means the country where you have your true, fixed and permanent residence. If you are a United States Citizen, your home country is always the United States.


WHY CHOOSE INBOUND GUEST?

Inbound® Guest is underwritten by Certain Underwriters at Lloyd’s of 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.


We handles your insurance needs from start to finish, processing your purchase, providing all documents, and handling any claims. In addition, our travel assistance team will help with your emergency and travel needs. We provide travel insurance to worldwide travelers, and we are here to help. Contact details are shown on your ID card.


IMPORTANT BENEFIT HIGHLIGHTS


MEDICAL BENEFITS - If your covered injury or sickness requires medical treatment, we will pay the coverage amounts in the schedule of benefits, minus your chosen per person deductible. Please note that treatment for your injury or sickness must be received within 182 days of your injury or sickness.


INTERNATIONAL TRAVEL COVERAGE - If you purchase at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days. This benefit does not include travel back to your home country, and it does not extend after your current expiration date.


EMERGENCY MEDICAL EVACUATION* - We will pay for an emergency medical evacuation, if your medical condition requires immediate transportation from your current medical facility to the closest facility with appropriate care. This benefit must be ordered by Seven Corners Assist in consultation with your attending Physician. *


RETURN OF MORTAL REMAINS/LOCAL CREMATION OR BURIAL* We will pay to return your remains to your home country or pay for local burial/cremation at the place of death.*


*Arrangements for emergency medical evacuation and repatriation of mortal remains must be made by Seven Corners Assist..


COMMON CARRIER ACCIDENTAL DEATH & DISMEMBERMENT This benefit pays up to $25,000 for accidents occurring while you are riding as a passenger in or on any land, water or air conveyance transporting passengers for hire. Your loss must occur within 365 days after the accident date. A description of the covered losses is shown below:


For Loss of: Indemnity:
Life Principal Sum
Both Hands or Both Feet or Sight of Both Eyes Principal Sum
One Hand and One Foot Principal Sum
Either Hand or Foot and Sight of One Eye Principal Sum
Either Hand or Foot One-Half the Principal Sum
Sight of One Eye One-Half the Principal Sum

REFUND OF PREMIUM

We realize there is uncertainty in international travel. Refund of total plan cost will be considered only if a written request is received by us prior to your effective date of coverage. If the request is received after your effective date, the unused portion of the plan cost may be refunded minus a cancellation fee, provided you have not submitted a claim.


PRE-EXISTING CONDITIONS

Pre-existing conditions are defined in detail in the plan document. A brief summary is shown here.

Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder that existed with reasonable medical certainty during the 180 days before your coverage began (365 days for those 70 and older), whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed. This 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 during the 180 days before the effective date.


ACUTE ONSET

Non U.S. Citizens traveling in the United States
We pay up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is chronic, congenital or gradually worsens over time is not covered.


IMPORTANT INFORMATION

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 we determine it is an eligible expense.


Medical Providers - When seeking medical care, you may see any provider of your choice.


SCHEDULE OF BENEFITS & COVERED SERVICES
Age 14 days to Age 69 Plan A Plan B Plan C Plan D Plan E
  $25,000 Max per Injury/Sickness $45,000 Max per Injury/Sickness $65,000 Max per Injury/Sickness $85,000 Max per Injury/Sickness $120,000 Max per Injury/Sickness
INPATIENT
Hospital Room & Board Including Laboratory Tests, X-Rays, Prescription Medical and other miscellaneous Up to $910/day, 30 day max Up to $1,260/day, 30 day max Up to $1,565/day, 30 day max Up to $1,725/day, 30 day max Up to $2,340/day, 30 day max
Hospital Intensive Care Unit Add’l $430/day, 8 day max Add’l $595/day, 8 day max Add’l $720/day, 8 day max Add’l $790/day, 8 day max Add’l $1020/day, 8 day max
Surgical Treatment Up to $2,150 Up to $2,970 Up to $3,960 Up to $4,840 Up to $6,600
Anesthetist Up to $500 Up to $740 Up to $990 Up to $1,210 Up to $1,650
Assistant Surgeon Up to $500 Up to $740 Up to $990 Up to $1,210 Up to $1,650
Physician’s Non-Surgical Visits Up to $40/visit, 1/day, 30 visits max Up to $60/visit, 1/day, 30 visits max Up to $65/visit,1/day, 30 visits max Up to $75/visit, 1/day, 30 visits max Up to $100/visit, 1/day, 30 visits max
A Consulting Physician, when requested by attending Physician Up to $350 Up to $405 Up to $465 Up to $485 Up to $600
Private Duty Nurse Up to $400 Up to $495 Up to $550 Up to $550 Up to $660
Pre-Admission Tests within 7 days before Hospital admission Up to $750 Up to $990 Up to $1,100 Up to $1,100 Up to $1,100
OUTPATIENT
Surgical Treatment Up to $2,150 Up to $2,970 Up to $3,960 Up to $4,840 Up to $6,600
Anesthetist Up to $500 Up to $740 Up to $990 Up to $1,210 Up to $1,650
Assistant Surgeon Up to $500 Up to $740 Up to $990 Up to $1,210 Up to $1,650
Physician's Non-Surgical /
Urgent Care Visits
Up to $50/visit, 1/day, 10 visits max Up to $60/visit,
1/day, 10 visits max
Up to $65/visit,
1/day, 10 visits max
Up to $75/visit,
1/day, 10 visits max
Up to $100/visit,
1/day, 10 visits max
Diagnostic X-rays & Lab Services Up to $295 - Additional $250- One CAT scan, PET scan or MRI Up to $405 - Additional $250
- One CAT scan, PET scan or MRI
Up to $465 - additional $375
- One CAT scan, PET scan or MRI
Up to $485 - Additional $450
- One CAT scan, PET scan or MRI
Up to $600 - Additional $500
- One CAT scan, PET scan or MRI
Hospital Emergency Room
(all expenses incurred therein)
Up to $215 Up to $295 Up to $395 Up to $465 Up to $660
Prescription Drugs Up to $150 Per Coverage Period Up to $250 Per Coverage Period Up to $125 Per Coverage Period Up to $135 Per Coverage Period Up to $180 Per Coverage Period
Outpatient Surgical Facility Up to $750 Up to $900 Up to $1,030 Up to $1,070 Up to $1,320
OTHER TREATMENT & SERVICES
Ambulance Services Up to $295 Up to $450 Up to $450 Up to $475 Up to $475
Initial Orthopedic Prosthesis/brace Up to $715 Up to $990 Up to $1,160 Up to $1,240 Up to $1,560
Chemotherapy and/or radiation therapy Up to $715 Up to $990 Up to $1,175 Up to $1,275 Up to $1,620
Dental Treatment for Injury to Sound, Natural Teeth Up to $360 Up to $550 Up to $550 Up to $550 Up to $550
Mental & Nervous Disorder & Substance Abuse Same as any Sickness
Physiotherapy Up to $30/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max
Emergency Evacuation $50,000
Extended Care Facility Covered under the Hospital Room & Board
Return of Remains/Local Cremation and Burial $25,000/$5,000
Common Carrier AD&D Principal Sum $25,000
Acute Onset of Pre-existing Condition(s)
(per coverage period)
$25,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $45,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $65,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $85,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation. $120,000 for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 for Emergency Medical Evacuation.

If you turn 70 years old during the purchased coverage period, the 70 and over benefit schedule becomes effective on the day you turn 70. If you have the $25,000 or $45,000 per injury or sickness plan maximum, you will receive the $40,000 per injury or sickness schedule for age 70 and older. If you have the $65,000 or $85,000 per injury or sickness plan maximum, you will receive the $60,000 per injury or sickness schedule for age 70 and older. If you have the $120,000 per injury or sickness plan maximum, you will receive the $100,000 per injury or sickness schedule for age 70 and older.


SCHEDULE OF BENEFITS & COVERED SERVICES (CONTINUED)
Age 70 to Age 99 Plan J Plan K Plan L
INPATIENT $40,000 Max per Injury/Sickness $60,000 Max per Injury/Sickness $100,000 Max per Injury/Sickness
Hospital Room & Board including miscellaneous Up to $870/day, 30 day max Up to $1,260/day, 30 day max Up to $2,050/day, 30 day max
Hospital Intensive Care Unit Additional $380/day, 8 day max Additional $550/day, 8 day max Additional $900/day, 8 day max
Surgical Treatment Up to $2,285 Up to $3,300 Up to $5,365
Anesthetist Up to $570 Up to $825 Up to $1,340
Assistant Surgeon Up to $570 Up to $825 Up to $1,340
Physician's Non-Surgical Visits Up to $45/visit, 1/day, 30 visits max Up to $65/visit, 1/day, 30 visits max Up to $100/visit, 1/day, 30 visits max
A Consulting Physician, when requested by attending Physician Up to $330 Up to $480 Up to $780
Private Duty Nurse Up to $375 Up to $450 Up to $880
Pre-Admission Tests w/in 7 days before Hospital admission Up to $775 Up to $775 Up to $1,500
OUTPATIENT
Surgical Treatment Up to $2,285 Up to $3,300 Up to $5,365
Anesthetist Up to $570 Up to $825 Up to $1,340
Assistant Surgeon Up to $570 Up to $825 Up to $1,340
Physician's Non-Surgical / Urgent Care Visits Up to $45/visit, 1/day, 10 visits max Up to $65/visit, 1/day, 10 visits max Up to $100/visit, 1/day, 10 visits max
Diagnostic X-rays & Lab Services Up to $330 - Additional $250 - One CAT scan, PET scan or MRI Up to $480 - additional $300 - One CAT scan, PET scan or MRI Up to $780 - additional $300 - One CAT scan, PET scan or MRI
Hospital Emergency Room
(all expenses incurred therein)
Up to $208 Up to $300 Up to $480
Prescription Drugs (per coverage period) Up to $250
Outpatient Surgical Facility Up to $705 Up to $1,020 Up to $1,660
OTHER TREATMENT AND SERVICES
Ambulance Services Up to $450 Up to $450 Up to $880
Initial Orthopedic Prosthesis/brace Up to $705 Up to $1,020 Up to $1,660
Chemotherapy and/or radiation therapy Up to $705 Up to $1,020 Up to $1,660
Dental Treatment for Injury to Sound, Natural Teeth Up to $550 Up to $550 Up to $1,075
Mental & Nervous Disorder & Substance Abuse Same as any Sickness
Physiotherapy Up to $40/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max Up to $80/visit, 1/day, 12 visits max
Extended Care Facility Covered under the Hospital Room & Board benefit
Emergency Evacuation $50,000
Return of Remains/Local Cremation/Burial $25,000/$5,000

IMPORTANT INFORMATION


The information concerning Inbound® Guest is not intended to be an offer to sell Inbound Guest or a solicitation by the administrator or Lloyd’s of London in any jurisdiction where any such sale would be unlawful or in which the administrator or Lloyd’s of London are not qualified to do so.


PROOF OF YOUR COVERAGE - When you purchase coverage, you will receive an email from the administrator with your virtual ID card and a link to the plan document. It is the legal document which explains the benefits and provisions of the plan in detail.


LOCATION RESTRICTIONS


State Restrictions: We cannot accept an address in Maryland, New York, South Dakota, Colorado, and Washington state.


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


CLAIM SUBMISSION - Filing a claim is easy. When you receive treatment, send the itemized bills to the administrator within 90 days via e-mail, fax, or postal mail along with a completed Proof of Loss form (available online). Contact information is provided in your plan document. Please retain your original bills if there is a need for verification. Eligible bills are automatically converted from local currencies to U.S. dollars. For more details, contact the Claim Department.


EXCLUSIONS AND LIMITATIONS

The list below is a summary of the exclusions in your plan document. A complete description of the provisions, benefits, and exclusions are contained in the plan document which you may view online. You will receive this document when your coverage is issued. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail.


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

  • Pre-existing Conditions as defined herein. If you are a non-U.S. citizen under age 70, this exclusion is waived for eligible medical expenses for an Acute Onset of a Pre-existing Condition(s) (as defined herein) as shown in the Schedule of Benefits for your chosen plan (Plan A, B, C, D, or E). Benefits will be administered as stated in section G, Acute Onset of a Pre-Existing Condition(s), for eligible medical expenses incurred in the United States, minus your Deductible and subject to the scheduled limits for benefits as stated in the Schedule of Benefits. For persons age 70 and over, there is no benefit. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program. Any exclusion specifically listed in General Exclusions and Limitations, numbers 2 through 35, as well as the section entitled Additional Limitations and Exclusions for Elective Surgery and Elective Treatment, will not receive benefits from this waiver;
  • Any expenses incurred when travel was undertaken solely for the purpose obtaining medical treatment or while traveling against the advise of a Physician;
  • Expense incurred within the Insured Person’s Home Country or country of regular domicile;
  • Routine physicals, inoculations, or other examinations where there are no objective indications of impairment of normal health, or well baby care, newborn baby care; well-baby nursery and related Physician charges;
  • 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;
  • 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:
  • Dental treatment, except as the result of injury to sound, natural teeth;
  • Services or supplies performed or provided by a Member of the Insured Person’s family, or anyone who lives with the Insured Person;
  • Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  • Weak, strained or flat feet, corns, calluses, or toenails;
  • 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;
  • Elective Surgery and Elective Treatment;
  • Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth;
  • Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics; including but not limited to the event, games, practice, conditioning and any other activity related to professional sponsored and/or organized Amateur of Interscholastic Athletics;
  • Organ transplants;
  • War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the insured person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether war be declared with that state or not, Terrorist activity. For the purpose of this Exclusion; i) Terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s). ii) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. iii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. iv) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals. Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
  • 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;
  • Suicide or attempted suicide (including drug overdose), while sane or insane (while sane in Missouri), or intentionally self-inflected Injury;
  • Expenses of an institution, health service, or infirmary for whose service payment is not required in the absence of insurance;
  • 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;
  • Loss incurred from riding in any aircraft, other than as a passenger in an aircraft licensed for the transportation of passengers;
  • 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);
  • Duplicate services actually provided by both a certified nurse-midwife and Physician;
  • Expenses incurred during a hospital emergency room visit which is not of an emergency nature;
  • 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;
  • 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;
  • 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;
  • Occupational Diseases, including but not limited to Disease(s) related to asbestos exposure, and the complications thereof, including asbestosis and mesothelioma related to asbestos exposure;
  • Expense incurred after the Expiration Date for an Insured Person except as may be specifically provided;
  • 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;
  • Sexually transmitted diseases;
  • Pregnancy expenses or Sickness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Injury; or voluntary or elective abortion;
  • 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;
  • Expenses for Speech therapy, Occupational therapy or Vocational Rehabilitation.
  • Treatment(s) which is incurred by an Insured Person(s) who is HIV Positive (i.e., infected with the human immunodeficiency virus, the cause of acquired immunodeficiency syndrome) at the time of Application for this Insurance, whether or not the Insured Person(s) was asymptomatic or symptomatic or had knowledge of his/her HIV status on the initial Effective Date of Coverage, or any associated diagnostic tests or charges for HIV infection, seropositivity to the AIDS virus, AIDS related Illness(es), ARC Syndrome, AIDS, and all diseases caused by and/or related to HIV;
  • Treatment(s) for HIV, the AIDS virus, AIDS related Illness(es), ARC Syndrome, AIDS, and all diseases and illnesses caused by and/or related to HIV or arising as complications from these conditions including but not limited to the cost of testing for these conditions and/or charges for drug treatment(s) or surgeries;

PLAN COST

Rates Effective August 10, 2016


$0 Per Injury / Sickness Deductible Per Person
Plan Maximum Options
Plan A Plan B Plan C Plan D Plan E
Age $25,000
Daily Rate
$45,000
Daily Rate
$65,000
Daily Rate
$85,000
Daily Rate
$120,000
Daily Rate
2 weeks - 18 $0.77 $1.36 $1.67 $1.88 $2.44
19 to 29 $0.77 $1.14 $1.35 $1.54 $1.96
30 to 39 $0.84 $1.26 $1.50 $1.60 $2.20
40 to 49 $0.87 $1.31 $1.60 $1.73 $2.41
50 - 59 $1.23 $1.83 $2.18 $2.35 $3.20
60 - 69 $1.47 $2.01 $2.43 $2.64 $3.60
Dependent Child* $0.80 $1.29 $1.59 $1.79 $2.32

$50 Per Injury / Sickness Deductible Per Person
Plan Maximum Options
Plan A Plan B Plan C Plan D Plan E
Age $25,000
Daily Rate
$45,000
Daily Rate
$65,000
Daily Rate
$85,000
Daily Rate
$120,000
Daily Rate
2 weeks - 18 $0.65 $1.13 $1.39 $1.56 $2.03
19 to 29 $0.65 $0.97 $1.13 $1.24 $1.63
30 to 39 $0.71 $1.05 $1.22 $1.34 $1.82
40 to 49 $0.74 $1.12 $1.30 $1.42 $1.90
50 - 59 $1.00 $1.55 $1.84 $1.92 $2.69
60 - 69 $1.26 $1.72 $2.02 $2.15 $2.99
Dependent Child* $0.78 $1.07 $1.32 $1.48 $1.93

$100 Per Injury / Sickness Deductible Per Person
Plan Maximum Options
Plan A Plan B Plan C Plan D Plan E
Age $25,000
Daily Rate
$45,000
Daily Rate
$65,000
Daily Rate
$85,000
Daily Rate
$120,000
Daily Rate
2 weeks - 18 $0.57 $1.05 $1.29 $1.45 $1.89
19 to 29 $0.56 $0.85 $1.03 $1.20 $1.54
30 to 39 $0.63 $0.95 $1.13 $1.26 $1.69
40 to 49 $0.65 $1.00 $1.24 $1.34 $1.84
50 - 59 $0.93 $1.39 $1.72 $1.85 $2.61
60 - 69 $1.16 $1.54 $1.89 $2.02 $2.90
Dependent Child* $0.72 $1.00 $1.23 $1.38 $1.80

* Dependent Child rate (Ages 2 weeks to 18) is applicable when at least one parent will also be covered under Inbound® Guest.


Monthly / Daily Premiums for Ages 70 and Older


$100 Per Injury / Sickness Deductible Per Person
Plan Maximum Options
Plan J Plan K Plan L
Age $40,000
Daily Rate
$60,000
Daily Rate
$100,000
Daily Rate
Age 70 - 74 $2.80 $3.58 $5.81
Age 75 - 79 $2.84 $3.94 $6.40
Age 80 - 84 $5.87 $7.92 $12.87
Age 85 - 89 $7.90 $11.42 $18.56
Age 90 - 94 $8.55 $12.36 $20.09
Age 95 - 99 $9.83 $14.21 $23.09

$200 Per Injury / Sickness Deductible Per Person
Plan Maximum Options
Plan J Plan K Plan L
Age $40,000
Daily Rate
$60,000
Daily Rate
$100,000
Daily Rate
Age 70 - 74 $2.45 $2.98 $4.84
Age 75 - 79 $2.60 $3.28 $5.32
Age 80 - 84 $5.20 $6.61 $10.74
Age 85 - 89 $6.73 $9.73 $15.81
Age 90 - 94 $7.29 $10.54 $17.12
Age 95 - 99 $8.37 $12.10 $19.66

Administrator

Seven Corners
303 Congressional Boulevard
Carmel, IN 46032


Underwriter

Inbound® Guest is underwritten by Certain Underwriters at Lloyd’s of London, rated “A” (Excellent) by A.M. Best and “A+” (Strong) by Standard & Poor’s.


FOR ADDITIONAL INFORMATION

Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470

Web site: insubuy.com


v.04.01.17

Disclaimer: This brochure is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.

©1998 – 2017 by Seven Corners, Inc.
Inbound® is a registered trademark of Seven Corners, Inc.
Seven Corners® is a registered trademark of Seven Corners, Inc.