Inbound Immigrant Summary of Features and Benefits

January 1, 2010

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All non-U. S. citizens over 14 days old who entered the U.S. as a resident less than 24 months ago. Available in all states. Available to all applicants regardless of health history (Guaranteed Issue).

Length of coverage

One month up to five years. Policies purchased for an initial period of at least 3 months will automatically receive a renewal notice to continue coverage by continuing to pay the policy premium. Total length of coverage cannot exceed 60 months. (Guaranteed renewable).

Pre-existing medical conditions

Expenses for treating pre-existing conditions are not covered but do not exclude an applicant from eligibility.

Maternity Benefits

Charges for normal maternity and pre-natal care are included for pregnancy that starts more than 90 days after the policy date.

Starting Date for Coverage

Coverage can be as early as the date of application as long as premium is paid electronically.

Policy Deductible

A deductible is the amount of the medical bills you pay before the insurance pays. This feature is designed to lower the premium cost and relieve the insurance company of the cost of processing very small claims. The deductible is either $75 or $150, depending on the election you make at the time of enrollment. A deductible is a one time expense; not to be confused with a co-payment that can be a recurring out-of-pocket expense.

Maximum Benefit:

The policy pays up to $50,000 or $100,000 per person, depending on the option you select.

Summary of Benefits:

Hospital benefits cover up to $1,750 per day for up to 30 days, intensive care additional $750 per day up to 8 days, surgery $5,000, doctor's visit $50 up to 30 visits, pre-admission testing $1000, ambulance $400, maternity $2,500 maximum, accidental death and disability $25,000. These are benefits for the $100,000 maximum policy for applicants under age 70. See the policy for benefits under other policy options and older ages.

More details about Inbound Immigrant insurance:

   Policy exclusions

   Premium rates

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