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Inbound USA Insurance

Inbound USA Insurance is an affordable insurance option when you have parents visiting the United States or for international travelers. Inbound USA Insurance provides protection to citizens of any nation when traveling to the United States.

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Why you need Inbound USA Insurance?

While the United States offers the most comprehensive medical care available, it is often complicated as well as very expensive. For the visitor to the United States or the recent immigrant, finding a program that is easy to understand and reasonably priced is often difficult.

As a solution, Inbound USA was developed to provide a simple program to visitors and immigrants.

This is a brief description of the Inbound USA program. Detailed wording is outlined in the Program Summary, which will be mailed to you once you have enrolled into Inbound USA Insurance.

Eligibility for Inbound USA Insurance

This program is available to non-United States citizens who come to the U.S. for business, pleasure, to study, or to immigrate. The program must become effective within 12 months of arrival in the United States.

Period of coverage for Inbound USA Insurance

You may initially enroll into Inbound USA for between 5 days and 12 months. If you initially purchase at least 3 months, you may continue to renew coverage for a minimum 3 months at a time, at the premium rate in force at the time of renewal. Total period of coverage for Inbound USA cannot exceed 12 months (in order to reapply after the 12 months, you must first return to your home country).

Effective Date of Inbound USA Insurance

Your coverage will begin on the latest of the following:

Your departure from your Home Country; or
The date your Application and premium are received by SRI; or
The date your Application and premium are accepted by SRI; or
The date you request on the Application

Expiration Date of Inbound USA Insurance

Your coverage will end on the earlier of the following:

The date shown on the Insurance Confirmation Card, for which premium has been paid; or
The date you return to your Home Country; or
12 months after your original Effective Date; or
The day an insured becomes a U.S. citizen or is considered a U.S. resident by the state where they are residing; or
The date of entry into active military service.

Upon each renewal, rates, benefits, and program in general are subject to change.

Renewal of Inbound USA Insurance

If Inbound USA is initially purchased for at least three months, one month before the expiration date, SRI will send a renewal notice to the Address of Correspondence listed on the application. Coverage may then be renewed for a period of time, depending upon your specific need. If you renew the coverage for 3 or more months (up to 12 months in total), SRI will continue to send renewal notices to you. If you initially apply online, you will have the option to renew in whatever increment you choose (Minimum 5 day purchase). There is a $5 admin fee each time you renew. If you renew the coverage for only 1 or 2 months, SRI will assume that you no longer require the coverage and will not send another renewal notice. Again, total period of coverage for Inbound USA cannot exceed 12 months.

Inbound USA Insurance - Schedule of Benefits

When your covered Injury or Sickness requires treatment by a physician, this program will provide benefits for the Usual and Customary (U&C) charges scheduled below which exceed the chosen Per Person Deductible (either $0, $75 or $100, or a $200 deductible for age 70 and over) for each Injury and each Sickness and which are incurred within the 26 weeks following the Injury or Sickness. Payment for any covered service will be no more than the Benefit Maximum shown. The maximum amount payable for all benefits will be no more than $50,000 or $100,000 (depending upon program purchased and availability) for each Injury and each Sickness.

For persons age 70 and over, the maximum benefit limit is $50,000, the period in which covered expenses must be incurred is 26 weeks following the Injury or Sickness, and a separate schedule applies.

Inbound USA covered services Injury and Sickness Benefit Maximums

	Age 14 days to Age 69	Age 14 days to Age 69	Age 70 and over
Inpatient	$50,000 Max per Injury / Sickness	$100,000 Max per Injury / Sickness	$50,000 Max per Injury / Sickness
Hospital Room & Board including miscellaneous	Up to $1400/day, 30 day max	Up to $1950/day, 30 day max	Up to $1050/day, 30 day max
Hospital Intensive Care Unit	Additional $660/day, 8 day max	Additional $850/day, 8 day max	Additional $460/day, 8 day max
Surgical Treatment	Up to $3300	Up to $5500	Up to $2750
Anesthetist	25% of surgical benefit	25% of surgical benefit	25% of surgical benefit
Assistant Surgeon	25% of surgical benefit	25% of surgical benefit	25% of surgical benefit
Physician's Non-Surgical Visits	Up to $55/visit, 1/day, 30 visits	Up to $85/day, 1/day, 30 visits	Up to $55/visit, 1/day, 30 visits
Consultant Physician, when requested by attending Physician	Up to $450	Up to $500	Up to $400
Pre-Admission Tests within 7 days before Hospital admission	Up to $1100	Up to $1100	Up to $775
Private Duty Nurse	Up to $550	Up to $550	Up to $450

Outpatient
Surgical Treatment	Up to $3300	Up to $5500	Up to $2750
Anesthetist	25% of surgical benefit	25% of surgical benefit	25% of surgical benefit
Assistant Surgeon	25% of surgical benefit	25% of surgical benefit	25% of surgical benefit
Physician's Non-Surgical / Urgent Care Visits	Up to $55/visit, 1/day, 10 visits	Up to $85/visit, 1/day, 10 visits	Up to $55/visit, 1/day, 10 visits
Diagnostic X-rays & Lab Services	Up to $450 Additional $250 - One Cat scan, PET scan or MRI	Up to $500 Additional $500 - One Cat scan, PET scan or MRI	Up to $400 Additional $250 - One Cat scan, PET scan or MRI
Hospital Emergency Room (all expenses incurred therein)	75% of U&C to $330	75% of U&C to $550	75% of U&C to $250
Prescription Drugs	Up to $100	Up to $150	Up to $80
Outpatient Surgical Facility	Up to $1000	Up to $1100	Up to $850

Other Treatment and Services
Ambulance Services	Up to $450	Up to $450	Up to $450
Initial Orthopedic Prosthesis / brace	Up to $1100	Up to $1300	Up to $850
Chemotherapy and / or radiation therapy	Up to $1100	Up to $1300	Up to $850
Dental Treatment for Injury to Sound, Natural Teeth	Up to $550	Up to $550	Up to $550
Mental & Nervous Disorder & Substance Abuse	Same as any Sickness	Same as any Sickness	Same as any Sickness
Physiotherapy	Up to $40/visit, 1/day, 12 visits	Up to $40/visit, 1/day, 12 visits	Up to $40/visit, 1/day, 12 visits
Emergency Evacuation	$50,000	$50,000	$50,000
Repatriation of Remains	$7,500	$7,500	$7,500
AD&D Principal Sum	$25,000 Common Carrier	$25,000 Common Carrier	$25,000 Common Carrier

Should an insured person turn 70 during the purchased coverage period, the 70 and over benefit schedule becomes effective upon the day the insured turns 70.

Emergency Medical Evacuation Expenses

The program will pay up to $50,000 in Covered Expenses incurred if any covered Injury or Illness commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person (the Insured Person's medical condition warrants immediate transportation from the medical facility where the Insured Person is located to the nearest adequate medical facility where medical treatment can be obtained). The benefit must be ordered by the Assistance Company in consultation with the Insured Person's local attending Physician.*

Repatriation of Mortal Remains Expenses

The program will pay the reasonable Covered Expenses incurred up to a maximum of $7,500 to return the Insured Person's remains to his/her Home Country, if he or she dies.*

Common Carrier Accidental Death and Dismemberment (AD&D)

Accidental Death and Dismemberment shall apply to covered accidents sustained by an insured person while riding as a passenger in or on any land, water or air conveyance operated under a license for the transportation of passengers for hire. A loss must occur within 365 days after the date of accident causing the loss:

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

* NOTE: In the event of an Emergency Medical Evacuation or Repatriation of Mortal Remains benefit is needed or utilized, arrangements must be made by the Assistance Service Provider.

Inbound USA Insurance - Definitions

The term "Injury" shall mean bodily Injury listed in the most recent edition of the International Classification of Diseases and caused solely and directly by Accidental, external, and visible means occurring while this Certificate is in force and resulting directly and independently of all other causes resulting in a Covered Event under this Program.

The term "Sickness" shall mean Illness or Disease of any kind listed in the most recent edition of the International Classification of Diseases. All related conditions and recurrent symptoms of the same or a similar condition will be considered one Sickness.

The term "Pre-Existing Condition" shall mean

1) A condition that would have caused a person to seek medical advice, diagnosis, care or Treatment within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this program;
2) A condition for which medical advice, diagnosis, care or Treatment, including Medication, was sought, recommended or received within the 6 months (or 12 months for persons age 70 and older) prior to the Individual Effective Date of Coverage under this program
; 3) the symptoms which occurred within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of the Coverage under this Certificate would have allowed a person trained in medicine to make a diagnosis of the condition producing the symptoms:
4) a condition which manifested within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this Certificate;

Inbound USA Insurance - Exclusions

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

Pre-existing Conditions;
Any expenses incurred when travel was undertaken soley 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, new-born 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;
Organ transplants;
Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war;
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;
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, including AIDS;
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.

Inbound USA Insurance - Monthly rates (Effective May 1, 2006)

$0 Per Injury / Sickness Deductible Per Person

	$50,000 Maximum Monthly Rate/Daily Rate	$100,000 Maximum Monthly Rate/Daily Rate
Age 2 weeks - 49	$47.00 / $1.56	$70 / $2.33
Age 50 - 69	$71.00 / $2.36	$104 / $3.47
Dependent Child (Age 2 weeks through age 18)	$36.00 / $1.20	$49.00 / $1.63

$50 Per Injury / Sickness Deductible Per Person

	$50,000 Maximum Monthly Rate/Daily Rate	$100,000 Maximum Monthly Rate/Daily Rate
Age 2 weeks - 49	$39.00 / $1.30	$58.00 / $1.93
Age 50 - 69	$59.00 / $1.97	$87.00 / $2.90
Dependent Child (Age 2 weeks through age 18)	$30.00 / $1.00	$49.00 / $1.63

$100 Per Injury / Sickness Deductible Per Person

	$50,000 Maximum Monthly Rate/Daily Rate	$100,000 Maximum Monthly Rate/Daily Rate
Age 2 weeks - 49	$36.00 / $1.20	$54.00 / $1.80
Age 2 weeks - 49	$35.00 / $1.83	$85.00 / $2.83
Dependent Child (Age 2 weeks through age 18)	$28.00 / $0.93	$45.00 / $1.50

$200 Per Injury / Sickness Deductible Per Person

	$50,000 Maximum Monthly Rate/Daily Rate	$100,000 Maximum Monthly Rate/Daily Rate
Age 70 - 79	$82.00 / $2.73	N/A
Age 80 +	$110.00 / $3.67	N/A

Dependent Child rate is applicable when at least one parent will also be covered under Inbound USA.

Please be aware that this is not a general health insurance policy, but an interim program intended for temporary use. Inbound USA does not guarantee payment to a facility or individual for medical expenses until the Company determines that it is an eligible expense.

Refund of Premium

Refund of premium shall be considered only if written request is received by SRI prior to the Effective Date of Coverage. After the Effective Date of Coverage, the premium is considered fully earned and non-refundable.

What You Will Receive

Upon successful enrollment in Inbound USA, you will receive an information packet from SRI. This packet will include your ID Card and Program Summary. The Program Summary describes all the benefits of Inbound USA in complete detail. In addition, the Program Summary tells you the procedure for submitting claims.

The Insurance Company

Inbound USA is underwritten by Certain Underwriters at Lloyd's, 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.