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