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Overseas Visitors InsuranceSM

Exclusive Comprehensive Coverage Plan

Overseas Visitors InsuranceSM

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Overseas Visitors InsuranceSM (OVI) is a Short-term health insurance. If visiting the U.S.A., the Plan provides benefits to foreign nationals (Parents and relatives), including international visitors, or temporary residents, subject to the terms and conditions of the certificate of coverage. OVI is travel insurance for non-U.S. citizens traveling outside of their home country Including USA and Canada.

Highlights:

  • Physician Visits/ Urgent Care: $35 co pay
  • Deductible options: $100; $250; $500; $1,000; $2,500
  • United Healthcare PPO network
  • Plan A & C covers 90% up to first $5000 and thereafter 100% up to Policy max
  • Plan B covers 100% up to the policy max
  • Plan A & Plan B covers Acute Onset of an Existing condition up to age 79
  • Plan C covers Acute Onset of an Existing condition up to age 69

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Schedule of Benefits

All Coverages and Plan Costs listed in this Evidence of Benefits are in U.S. Dollar amounts.

  PLAN A PLAN B PLAN C
U.S Coverage Included Included Included
Medical Maximum $25,000; $50,000; $100,000; $250,000; $25,000; $50,000; $100,000; $250,000; $50,000; $100,000; $500,000;
Deductible $100; $250; $500; $1,000; $2,500
Ages 70-79 with a Medical Maximum of $100,000 requires a minimum deductible of $1,000		 $100; $250; $500; $1,000; $2,500
Ages 70-79 with a Medical Maximum of $100,000 requires a minimum deductible of $1,000		 $100; $250; $500; $1,000; $2,500
Ages 70-79 with a Medical Maximum of $100,000 requires a minimum deductible of $1,000
Physician Visits/ Urgent Care $35 Copayment per Physician visit/Urgent Care visit (Not subject to Deductible) $35 Copayment per Physician visit/Urgent Care visit (Not subject to Deductible) $35 Copayment per Physician visit/Urgent Care visit (Not subject to Deductible)
Pre-Notification 50% reduction of Eligible Medical Expenses 50% reduction of Eligible Medical Expenses 50% reduction of Eligible Medical Expenses
Misuse of Emergency Room Deductible $350 Copayment for each emergency room visit for treatment of an illness which does not result in a direct hospitalization $350 Copayment for each emergency room visit for treatment of an illness which does not result in a direct hospitalization $350 Copayment for each emergency room visit for treatment of an illness which does not result in a direct hospitalization
Coinsurance Traveling Inside the United States:
For Treatment received within the PPO network: After You pay the $35 Physician Visits/Urgent Care Co-pay or Deductible, the plan pays 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum

For Treatment received outside the PPO network:
After You pay the $35 Physician Visits/ Urgent Care Co-pay or Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum

Traveling Outside the United States:
After You pay the $35 Physician Visits/ Urgent Care Co-pay or Deductible, the plan pays 100% to the selected Medical Maximum		 Traveling Inside the United States:
For Treatment received within the PPO network: After You pay the $35 Physician Visits/Urgent Care Co-pay or Deductible, the plan pays 100% to the selected Medical Maximum

For Treatment received outside the PPO network:
After You pay the $35 Physician Visits/ Urgent Care Co-pay or Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum

Traveling Outside the United States:
After After You pay the $35 Physician Visits/ Urgent Care Co-pay or Deductible, the plan pays 100% to the selected Medical Maximum		 Traveling Inside the United States:
For Treatment received within the PPO network: After You pay the $35 Physician Visits/Urgent Care Co-pay or Deductible, the plan pays 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum

For Treatment received outside the PPO network:
After You pay the $35 Physician Visits/ Urgent Care Co-pay or Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum

Traveling Outside the United States:
After You pay the $35 Physician Visits/ Urgent Care Co-pay or Deductible, the plan pays 100% to the selected Medical Maximum
Prescription Drug Reimbursement Only, Usual, Reasonable, and Customary charges, Subject to 20% Coinsurance inside the US Reimbursement Only, Usual, Reasonable, and Customary charges. Subject to 20% Coinsurance inside the US Reimbursement Only, Usual, Reasonable, and Customary charges. Subject to 20% Coinsurance inside the US
Dental (Accident Coverage) $1,000 per Coverage Period, available for Policies purchased for 180 days or more during initial purchase for necessary treatment due to an accident $1,000 per Coverage Period, available for Policies purchased for 180 days or more during initial purchase for necessary treatment due to an accident $1,000 per Coverage Period, available for Policies purchased for 180 days or more during initial purchase for necessary treatment due to an accident
Dental (Sudden Relief of Pain $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth. $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth. $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.
Emergency Medical Evacuation/Repatriation $100,000 (in addition to the medical maximum); Benefits reduced when related to Sudden Onset of Pre-existing Conditions $100,000 (in addition to the medical maximum); Benefits reduced when related to Sudden Onset of Pre-existing Conditions $500,000 (in addition to the medical maximum); Benefits reduced when related to Sudden Onset of Pre-existing Conditions
Return of Mortal Remains $20,000 Must be approved in advance and coordinated by Azimuth Risk Solutions $20,000 Must be approved in advance and coordinated by Azimuth Risk Solutions $50,000 Must be approved in advance and coordinated by Azimuth Risk Solutions
Local Cremation or Burial $5,000 $5,000 $5,000
Return of Minor Children $5,000. Must be approved in advance and coordinated by Azimuth Risk Solutions $5,000. Must be approved in advance and coordinated by Azimuth Risk Solutions $5,000. Must be approved in advance and coordinated by Azimuth Risk Solutions
Emergency Medical Reunion $15,000 for a max of 15 days. Must be approved in advance and coordinated by Azimuth Risk Solutions/td> $15,000 for a max of 15 days. Must be approved in advance and coordinated by Azimuth Risk Solutions $50,000 for a max of 15 days. Must be approved in advance and coordinated by Azimuth Risk Solutions
Local Ambulance Benefit Usual, Reasonable and Customary charges to the Medical Maximum, when covered Illness or Injury results in Hospitalization Usual, Reasonable and Customary charges to the Medical Maximum, when covered Illness or Injury results in Hospitalization Usual, Reasonable and Customary charges to the Medical Maximum, when covered Illness or Injury results in Hospitalization
Accidental Death & Dismemberment (AD&D) $25,000 principal sum for insured, $12,500 for accidental loss of another member. Aggregate limit of $250,000 per family $25,000 principal sum for insured, $12,500 for accidental loss of another member. Aggregate limit of $250,000 per family $25,000 principal sum for insured, $12,500 for accidental loss of another member. Aggregate limit of $250,000 per family
Common Carrier Accidental Death $50,000 Principal Sum for the Death of a Participating Member age 18 and older; $30,000 Principal Sum for the Death of a Participating Member under age 18. $250,000 Maximum Principal Sum for any one Family (Not subject to Deductible or Coinsurance) $50,000 Principal Sum for the Death of a Participating Member age 18 and older; $30,000 Principal Sum for the Death of a Participating Member under age 18. $250,000 Maximum Principal Sum for any one Family (Not subject to Deductible or Coinsurance) $50,000 Principal Sum for the Death of a Participating Member age 18 and older; $30,000 Principal Sum for the Death of a Participating Member under age 18. $250,000 Maximum Principal Sum for any one Family (Not subject to Deductible or Coinsurance)
Loss of Checked Baggage Up to $50 per item of luggage; $250 max per insured person (Not subject to Deductible or Coinsurance) Up to $50 per item of luggage; $250 max per insured person (Not subject to Deductible or Coinsurance) Up to $50 per item of luggage; $250 max per insured person (Not subject to Deductible or Coinsurance)
Durable Medical Equipment Usual, Reasonable and Customary charges, limited to a standard hospital bed and/or a standard basic wheelchair Usual, Reasonable and Customary charges, limited to a standard hospital bed and/or a standard basic wheelchair Usual, Reasonable and Customary charges, limited to a standard hospital bed and/or a standard basic wheelchair
Interruption of Trip $5,000 $5,000 $5,000
Home Country Coverage 14 days cumulative Home Country Coverage, subject to 90-day minimum purchase, As defined in the policy 14 days cumulative Home Country Coverage, subject to 90-day minimum purchase, As defined in the policy 14 days cumulative Home Country Coverage, subject to 90-day minimum purchase, As defined in the policy
Acute Onset of Pre-existing Condition Ages up to 69: Up to lesser of Medical Maximum or $100,000

Ages 70-79: Up to lesser of Medical Maximum or $35,000

Must be Coordinated by Azimuth Risk Solutions. Services and Treatment in the United States must be received at an approved PPO Service Provider facility, if one exists within a 50-mile radius of where the Participating Member is located.

$25,000 maximum per emergency medical evacuation related to an acute onset of a pre-existing condition		 Ages up to 69: Up to lesser of Medical Maximum or $100,000

Ages 70-79: Up to lesser of Medical Maximum or $35,000

Must be Coordinated by Azimuth Risk Solutions. Services and Treatment in the United States must be received at an approved PPO Service Provider facility, if one exists within a 50-mile radius of where the Participating Member is located.

$25,000 maximum per emergency medical evacuation related to an acute onset of a pre-existing condition		 Ages up to 69: Up to the medical maximum

Ages 70-79: Not available

Must be Coordinated by Azimuth Risk Solutions. Services and Treatment in the United States must be received at an approved PPO Service Provider facility, if one exists within a 50-mile radius of where the Participating Member is located.

$25,000 maximum per emergency medical evacuation related to an acute onset of a pre-existing condition
Identity Theft N/A N/A N/A
Hospital Indemnity N/A N/A $100 per overnight; maximum limit of 10 overnights
Political Evacuation N/A N/A $10,000; Must be approved in advance and coordinated by Azimuth Risk Solutions
Terrorism N/A N/A $50,000 Eligible Medical Expenses ONLY (Not subject to Deductible)
Natural Disaster N/A N/A $100 per day and maximum limit of 5 days for accommodations
Natural Disaster Evacuation/Repatriation N/A N/A N/A
Hospital Room & Board Average semi-private room rate up to the medical maximum; which would include nursing services Average semi-private room rate up to the medical maximum; which would include nursing services Average semi-private room rate up to the medical maximum; which would include nursing services
Physiotherapy/Physical Medicine/Chiropractic $60 per visit, 1 visit per day, Maximum of 15 visits per Coverage Period $60 per visit, 1 visit per day, Maximum of 15 visits per Coverage Period $60 per visit, 1 visit per day, Maximum of 15 visits per Coverage Period
Intensive Care Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum
Surgery Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum
Outpatient Medical Expenses Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum
Diagnostic Procedures Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum
Home Nursing Care Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum Usual, Reasonable and Customary to the Medical Maximum
Assistance Services Included Included Included
Benefit Period 180 Days 180 Days 180 Days

MEDICAL BENEFIT EXCLUSIONS

For Medical Benefits, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child(ren), this Insurance does not cover:

  1. PPre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate.
    This exclusion is waived for Eligible Benefits incurred as defined below:
    Acute Onset of Pre-existing Condition as defined in this Certificate up to the maximum stated in the Schedule of Benefits. Must be Coordinated by Azimuth Medical Management. Services and Treatment(s) in the United States must be received at an approved PPO Service Provider facility, if one exists within a 50-mile radius of where the Insured Person(s) is located. Any reoccurrence within the same Period of Coverage will no longer be considered Acute Onset of a Pre- existing Condition and will not be eligible for additional coverage. A Pre-existing Condition which is a congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. Acute Onset of a Pre-existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility.
    This exclusion does not apply to Emergency Medical Evacuation/Repatriation.
  2. Injury or Illness which is not presented to the Underwriter for payment within 90 days of receiving Treatment;
  3. Charges for Treatment which is not Medically Necessary
  4. Charges provided at no cost to You;
  5. Charges for Treatment which exceeds Reasonable and Customary charges;
  6. Charges incurred for Surgery or Treatments which are, Experimental/Investigational, or for research purposes;
  7. Services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  8. Suicide, or any attempt thereof, while sane or self-destruction or any attempt thereof, while sane;
  9. 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;
    1. 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 government(s). (NOT AVAILABLE TO PLAN C)
    2. 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
    3. 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.
    4. 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;
  10. Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics;
  11. Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a disablement established by a prior call or attendance of a Physician;
  12. Treatment of the temporomandibular joint;
  13. Vocational, speech, recreational or music therapy;
  14. Services or supplies performed or provided by a relative of Yours, or anyone who lives with You;
  15. Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this plan, treatment of a deviated nasal septum shall be considered a cosmetic condition;
  16. Elective Surgery which can be postponed until You return to Your Home Country, where the objective of the trip is to seek medical advice, treatment or Surgery;
  17. Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;
  18. Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;
  19. Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent;
  20. Injury sustained or Disablement due wholly or partly to the Insured being intoxicated as defined and determined by the laws of the state where the Injury occurred; or to the Insured being under the influence of any narcotic, unless administered on the advice of a Physician;
  21. Any Mental and Nervous disorders or rest cures;
  22. Congenital abnormalities and conditions arising out of or resulting there from;
  23. Expenses which are non-medical in nature;
  24. Expenses as a result of or in connection with intentionally self-inflicted Injury or Illness;
  25. Expenses as a result of or in connection with the commission of a felony offense;
  26. Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government plan or facility set up for treatment without any cost to You;
  27. Treatment of venereal disease, including all sexually transmitted diseases and conditions, and any and all consequences thereof;
  28. Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this plan;
  29. Routine Dental Treatment;
  30. For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage;
  31. For miscarriage resulting from Accident or complications of Pregnancy;
  32. Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof;
  33. Treatment for human organ tissue transplants and their related treatment;
  34. Expenses incurred while in Your Home Country, except as provided under the Home Country Coverage;
  35. Expenses incurred during a Hospital emergency visit which is not of an emergency nature;
  36. Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical treatment for a condition;
  37. Covered Expenses incurred during a Trip after Your Physician has limited or restricted travel;
  38. This plan does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act;
  39. Sex change operations, or for treatment of sexual dysfunction or sexual inadequacy;
  40. Weight reduction programs or the surgical treatment of obesity;
  41. Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), Aids-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV);
  42. Treatment for learning disabilities, attitudinal disorders, or disciplinary problems

With regards to Accidental Death and Dismemberment this Insurance does not cover:

  1. Suicide or attempt thereof while sane or self-destruction or any attempt thereof while insane;
  2. Disease of any kind; Bacterial infections except pyogenic infection which shall occur through an accidental cut or wound;
  3. Hernia of any kind;
  4. Injury sustained while You are riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting from, any type of aircraft;
  5. Injury sustained while You are riding as a passenger in any aircraft (a) not having a current and valid Airworthy Certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
  6. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:(a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war; (b) mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power. (c) any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence; (d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Underwriter shall not be liable under this policy except to the extent that the Insured Person shall prove that such consequence happened independently of the existence of such abnormal conditions;
  7. Service in the military, naval or air service of any country;
  8. Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests;
  9. Flying in any rocket-propelled aircraft;
  10. Flying in any aircraft being used for or in connection with crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose;
  11. Flying in any aircraft which is engaged in any flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even though granted;
  12. Illness of any kind;
  13. Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified Physician or surgeon;
  14. Injury occasioned or occurring while You are committing or attempting to commit a felony or to which a contributing cause was You being engaged in an illegal occupation;
  15. While riding or driving in any kind of competition;
  16. Pregnancy, childbirth, miscarriage or abortion;
  17. . This plan does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act.

For Interruption of Trip, this Insurance does not cover: (1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; participation in contests of speed; a Pre-existing Condition existing prior to the Insured’s departure from their Home Country that has the likelihood of causing death; the Insured Person or Traveling Companion or Traveling Companion’s family making changes to personal plans; having business or contractual obligations; being unable to obtain necessary travel documents (passports, visas, etc.); being detained or having property confiscated by customs authorities; carrier caused delays (including bad weather); prohibition or regulatory by any government; default of yacht charter companies; default of the organization from which the Insured Person purchased their trip arrangements. All costs not arranged by Seven Corners Assist.

For Loss of Checked Baggage, this Insurance does not cover: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use thereof.

(Plan C only) For Political Evacuation and Repatriation, this Insurance does not cover: 1) Losses recoverable under any other insurance or through an employer; 2) Losses arising from or attributable to a) dishonest or criminal acts committed or attempted by the Insured, b) alleged violation of the laws of the Host Country, unless the Company determines such allegations to be fraudulent, or c) failure to maintain required documents or visas; 3) Losses attributable to a) debt, insolvency, commercial failure, or the repossession of any property, b) Insured's noncompliance with a contract or license or c) implementation of illegally contributed exchange rates; 4) Losses due to liability assured by the Insured under any contract. 5) All costs not arranged by Seven Corners Assist.

Exclusions Related to Natural Disaster Evacuation/Repatriation Benefits

  1. The Natural Disaster Evacuation/Repatriation of You while in the United States;
  2. Any medical expenses incurred by You;
  3. The kidnap and/or ransom of You;
  4. Any expenses not related to Natural Disaster Evacuation/Repatriation, including expenses for transportation from the Host Country by normal commercial mans;
  5. Natural Disaster Evacuation/Repatriation when the Natural Disaster situation directly giving rise to it precedes Your arrival;
  6. The evacuation of You from a Host Country when the evacuation notice issued by the United States or Host Country Government has been posted for a period of more than sixty (60) days.
  7. You elect not to depart in a timely manner with evacuation arrangements coordinated by Seven Corners. In this circumstance, coverage for Natural Disaster Evacuation/Repatriation is immediately terminated;
  8. Services rendered without the coordination and approval of Seven Corners.
  9. Any country subject to the administration and enforcement of U.S. economic embargoes and trade sanctions by the OFFICE OF FOREIGN ASSETS CONTROL (OFAC)
  10. Any services other than those indicated and described within this document will not be provided
  11. While traveling within 50 miles of Your primary place of residence

In case you fall sick or get injured during your travels, how can you cope so far from home base? Your home health insurance will not be valid during this painful period either. Therefore, if you are planning a trip overseas, then you need to take out health insurance that can protect you during that period.

Overseas Visitors InsuranceSM

Acute Onset of Preexisting Condition benefits:

Plan A & B: Ages up to 69: Up to lesser of Medical Maximum or $100,000 or Ages 70-79: Up to lesser of Medical Maximum or $35,000.

Plan C: Ages up to 69: Up to the medical maximum.

What is Overseas Visitors InsuranceSM and how it helps?

This is where Overseas Visitors InsuranceSM comes into the picture. Irrespective of your location, this traveling health insurance will be with you wherever you are. The 24/7 health insurance acts like traditional models, the only difference being that it is mobile while others are location based. In other words, you can travel without any worries knowing that your health will be taken care of irrespective of your destination.

If you are traveling abroad, you need insurance protection in case you become sick or hurt while traveling. Your health insurance at home doesn’t always follow you when you leave your home country. No matter where you go, Overseas Visitors Insurance can help with medical expenses, 24-hour travel assistance, and a network of medical providers. Let us take the worry out of your travel! When you buy online, you receive your digital travel insurance documents within minutes.

Travel friendly visitor’s insurance can give you a range of benefits that are otherwise denied to most travelers. This includes but is not limited to:

In addition, members will also be well taken care of in case they encounter a natural disaster during their travels. This includes replacement accommodation in case the current one is unlivable. If members are unable to continue their trip due to residential damage because of a natural disaster, they will be reimbursed for the cost of their return trip home.

IThe benefits are paid as additions to deductibles as well as coinsurance as per your maximum medical limit. To ensure complete peace of mind for members, any minors that travel with them will be personally escorted to home base.

Eligibility and Duration of Benefits

You are eligible for this travel insurance if you are 14 days old and older. Coverage can also be purchased for spouses, unmarried children who are dependent and over 14 days old but younger than 19 years of age.

The duration of the benefits or benefit period starts from the date of your injury/ailment to acquire treatment. This is applicable if members are out of the country while limited coverage is for home base.

Traveling can rejuvenate you, but it can also turn hazardous instantly. Ensure yours and your loved one’s health by opting for travel insurance coverage by opting for Overseas Visitors InsuranceSM

See other: Comprehensive Insurance Plans