Insubuy Insurance

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How Inbound® USA Insurance Works - Reviews

FIRST
You pay the deductible once per incident (injury or sickness), even for Dr. visits.
THEN
Plan pays fixed amounts according to the schedule of benefits and you pay the difference.

Overview

Inbound® USA is a fixed coverage plan for non-U.S. citizens traveling to the United States. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards, along with the policy, will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.


What is covered and not covered?

Inbound® USA will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. However, it covers an acute onset of pre-existing conditions up to the policy maximum per period of coverage for persons below the age of 70 years. FAQ on pre-existing conditions


Prescription drugs are covered according to the schedule of benefits for covered medical expenses.
Dental is not covered. Consider a low cost plan from CAREINGTON that provides excellent dental coverage.


Inbound® USA provides coverage in the USA including travel time as well.


How do I use the insurance?
Please look at the detailed description.

How much is covered?

First, you will have to pay a deductible (varies from $0 to $200) per incident (injury or sickness) before the insurance plan starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.


The deductible is applied only towards the eligible expenses.


Once you have satisfied the deductible, the plan pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay the difference beyond the benefit amount that is covered, there is no out of pocket maximum.


COVERED SERVICES, INJURY AND SICKNESS BENEFIT MAXIMUMS
Age 14 days to Age 69 years
$50,000 Max per Injury/Sickness
$75,000 Max per Injury/Sickness
$100,000 Max per Injury/Sickness
$130,000 Max per Injury/Sickness
Physician or Urgent Care Visits
Up to $60/visit, 1/day, 30 visits max
Up to $75/visit, 1/day, 30 visits max
Up to $85/visit, 1/day, 30 visits max
Up to $115/visit, 1/day, 30 visits max
Prescription Drugs
Up to $250 per coverage period
Up to $250 per coverage period
Up to $250 per coverage period
Up to $250 per coverage period
Hospital Emergency Room
$330
$465
$550
$750
Diagnostic X-rays & Lab Services
Up to $450 -
Additional $250 - One CAT scan, PET scan or MRI
Up to $475 -
Additional $375 - One CAT scan, PET scan or MRI
Up to $500 -
Additional $500 - One CAT scan, PET scan or MRI
Up to $650 -
Additional $600 - One CAT scan, PET scan or MRI
Hospital Room & Board including miscellaneous
Up to $1,400/day, 30 day max
Up to $1,725/day, 30 day max
Up to $2,000/day, 30 day max
Up to $2,585/day, 30 day max
Hospital ICU
Additional $660/day, 8 day max
Additional $755/day, 8 day max
Additional $850/day, 8 day max
Additional $1,105/day, 8 day max
Surgery
Up to $3,300
Up to $4,400
Up to $5,500
Up to $7,150
Ambulance Services
Up to $450
Up to $475
Up to $475
Up to $475


Age 70 to Age 99
$50,000 Max per Injury/Sickness
$70,000 Max per Injury/Sickness
Physician or Urgent Care Visits
Up to $55/visit, 1/day, 10 visits max
Up to $75/visit, 1/day, 10 visits max
Prescription Drugs
Up to $200 per coverage period
Up to $250 per coverage period
Hospital Emergency Room
$250
$350
Diagnostic X-rays & Lab Services
Up to $400 -
Additional $250 - One CAT scan, PET scan or MRI
Up to $560 -
Additional $300 - One CAT scan, PET scan or MRI
Hospital Room & Board including miscellaneous
Up to $1,050/day, 30 day max
Up to $1,470/day, 30 day max
Hospital ICU
Additional $460/day, 8 day max
Additional $640/day, 8 day max
Surgery
Up to $2,750
Up to $3,850
Ambulance Services
Up to $450
Up to $450


Example:

  • Let's assume that you have taken a $50,000 policy maximum with $50 deductible. For a doctors visit, the insurance plan covers $60. You have put $50 towards satisfying the deductible, at this point your deductible has been met. The insurance plan will reimburse you $10. For the second visit, since you have satisfied your deductible, the insurance plan will reimburse you $60. For subsequent visits treating the same incident, it will pay $60 per visit, 1 visit perday, 30 visits maximum.

  • Let's assume you need the emergency room for a separate incident. The charges for the emergency room come to $2,400. The insurance plan covers up to $330. Since the deductible has not been met, the insurance plan will reimburse $280 and you will pay the remaining $2,120.

  • Let's assume that you were in an accident and are hospitalized for 3 days and need one surgery, the total bill is $40,000. The insurance plan will pay $1,400 per day for hospital room & board for 3 days and $3,300 for surgery. Since the $50 deductible has not been met that would be withheld.

  • $1,400 x 3 = $4,200 + $3,300 = $7,500 - $50 = $7,450

    $40,000 - $7,450 = $32,550


    The amount of $32,550 would be the patient responsibly.

Disclaimer:

This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, certificate wording will prevail.