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How do I
contact the Claims Office?
POLICIES STARTING WITH LON12
Seven Corners, Inc.
1-800-690-6295
(Toll-free)
Tollfree Country Access Codes + 800-690-6295
Collect Calls
0-317-818-2808
303 Congressional Boulevard
Carmel, IN 46032
Fax: 317-575-2256
POLICIES STARTING WITH
VSC, VSU, VTM
ECONOMY100, ECONOMY250, STANDARD100, STANDARD250, SUPER100,
SUPER250, PLATINUM100, PLATINUM250 & EPLUS
Co-ordinated
Benefit Plans, Inc -
(866) 282-6524
PO
BOX 26222
Tampa, FL
33623-6222
Outbound Plans - Atlas and Citizen Secure
Client Zone:
https://zone.hccmis.com/clientzone/
HCC
Medical Insurance Services - (800) 605-2282 /
If calling from outside the US, call collect to (317)
262-2132
PO BOX 863
Indianapolis, IN 46206
Click here for more information
about claims
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Is there a
Plan option for Students?
Economy,
Standard, Super & Platinum Plans
Student-The
Student rate is open to International Students,
visiting Faculty, Scholars, or other persons over
the age of twelve (12) up to and including age
sixty-four (64), who are temporarily residing
outside their Home Country. The Insured must remain
engaged in educational or research activities
outside their Home Country during the Period of
Coverage.
Spouse-An
eligible spouse shall be defined as the Primary
Insured’s legal spouse up to and including age
sixty-four (64).
Child-An
Eligible Dependent Child shall mean the Primary
Insured Person’s unmarried children over thirty
(30) days and under nineteen (19) years of age or
under twenty-five (25) years of age if they are
attending an accredited institution of higher
learning on a regular full-time basis and/or wholly
dependent upon the Insured Person for maintenance
and support.
A Student must be the primary
insured in order for the Spouse and Child to be
eligible for the ECONOMY, STANDARD, SUPER AND
PLATINUM Plans.
Plan
EPLUS
VISIT's Plan EPLUS is open to
any non-US citizen
traveling to the US and their family-members
traveling with them, all under the age of
79. The EPLUS Plan does NOT include maternity
coverage.
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What is a
Deductible?
For a covered medical expense, the Deductible is the
portion of your medical bill that is your
responsibility. The Deductible per occurrence
will first be subtracted from the total medical bill.
The remaining amount will then be multiplied by the
coinsurance (80%) to arrive at the amount which must
be paid by the insurer and the amount which remains
the responsibility of the insured.
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What is a
Per Injury or Illness Deductible?
A per injury or illness
deductible means:
an
illness or accidental bodily injury necessitating
medical treatment by a physician as defined in this
policy. All bodily injuries sustained in any one
accident shall be considered one disablement, all
bodily disorders existing simultaneously which are due
to the same or related causes shall be considered one
disablement. If a disablement is due to causes which
are the same or related to the cause of a prior
disablement (including complications arising
there from), the disablement shall be considered a
continuation of the prior disablement and not a
separate disablement.
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What is
covered under the maternity options?
Maternity benefits are only available if the
Maternity Plan option is chosen at least 30 days
prior to conception. Maternity benefits are available
through the Economy, Standard, Super and Platinum Plans
ONLY. The EPLUS Plan DOES NOT
include maternity benefits. Please see the Schedule of
Coverage for each plan for specific details.
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What types of sports are covered under the hazardous
sports coverage?
Hang
gliding, parachuting, bungee jumping, snowmobiling,
jet skiing, water skiing, snow skiing, spelunking,
parasailing, and snowboarding.)
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What types of sports are excluded from coverage?
Injury sustained while participating
in amateur or interscholastic athletics; this
exclusion does not apply to non-competitive,
recreational or intramural activities. Note: A
sponsored and/or organized Amateur or
Interscholastic Athletic event includes training
camps, team sports, or any formal grouping of people
participating in one or multiple events that may/may
not require a fee for participation.
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Do I need to
go to a specific doctor or hospital if I need medical
attention?
Any
fees charged over the reasonable and customary rate
will be your responsibility.
POLICIES STARTING WITH LON12
To obtain a list of
U.S. providers, contact Seven Corners Assist or visit
http://www.sevencorners.com/ppo/
 
POLICIES
STARTING WITH VSC, VSU, VTM
Economy,
Standard, Super, Platinum & EPLUS
Plans
Underwritten
by Virginia Surety Company, Inc.
If an emergency:
• Go directly to the hospital, or call 911 for
emergency response
• Call the 24-hour assistance service center at
the number listed on your ID card to alert the
center of your situation.
If not an emergency:
• Go to your student health center for health
services
• If you do not have access to a student health
center, you can go to a doctor of your choice, or
you can refer to the BEECHSTREET website
www.beechstreet.com
to find a provider. Of course, you may also call the
assistance service center whose number is listed on
your I.D. card to help find a provider.
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Be sure to let the doctor's office know that you are
part of the BEECHSTREET NETWORK.
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Are routine visits to the doctor, annual physicals
or vaccinations covered?
The
VISIT Travel & Medical Insurance Program
provides coverage for accidents & sickness, and
medical emergencies only. This program
will not provide coverage for routine
visits to the doctor, annual physical exams or
vaccinations.
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How can I
get a copy of the Policy?
Listed below are
the policy documents for each plan. To view the
policy click on the document and you will be able to
view a PDF file of each policy.
NEW
PLANS PURCHASED AFTER JUNE 30, 2012
Underwritten by certain Underwriters at Lloyd's,
London -
Lloyd's currently enjoys an
A rating from A.M. Best and A+ ratings from Fitch
Ratings and Standard & Poor's.
PLAN ECONOMY100
PLAN
ECONOMY250
PLAN STANDARD100
PLAN STANDARD250
PLAN SUPER100
PLAN SUPER250
PLAN
PLATINUM100
PLAN PLATINUM250
PLAN EPlus
PLANS -
Economy,
Standard, Super, Platinum & EPLUS
Underwritten
by Virginia Surety Company, Inc.
PLAN ECONOMY100
PLAN
ECONOMY250
PLAN STANDARD100
PLAN STANDARD250
PLAN SUPER100
PLAN SUPER250
PLAN
PLATINUM100
PLAN PLATINUM250
PLAN EPLUS
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What
is VISIT's Cancellation Policy?
All premiums are fully earned
upon Application, and are Non-Refundable. Please apply
only for the term of coverage you need, and re-apply
as necessary as your plans may change.
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Who
Underwrites the VISIT Plans?
POLICIES STARTING WITH LON12
ECONOMY, STANDARD, SUPER,
PLATINUM AND EPLUS PLANS
Underwritten by certain
Underwriters at Lloyd's, London -
Lloyd's currently enjoys an A rating from A.M. Best
and A+ ratings from Fitch Ratings and Standard &
Poor's.
POLICIES
STARTING WITH VSC, VSU, VTM
ECONOMY, STANDARD, SUPER,
PLATINUM AND EPLUS PLANS
Underwritten
by Virginia Surety Company, Inc. (VSC), rated A-
“Excellent” by A.M. Best. The VSC Master
Policies are filed under form numbers IN/OUT-EOC
(01/2004) and Liability AIFS LIAB (IL 09/98R).
ATLAS & CITIZEN SECURE
The
Atlas Series is insured by Syndicate 4141 at
Lloyd's, London. Lloyd's is the largest and oldest
insurance market in the world and is rated A
(Excellent) by A.M. Best Company and A+ (Strong) by
Standard & Poor's.
Plan Administrator/Broker:
The VISIT Travel & Medical Insurance
Program is an Insurance program of
PENTECO, LLC.
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What are the U.S. State Department Medical Insurance
Requirements?
The U.S. State Department
Insurance Requirements for Exchange Visitors [22 CFR
62.14] are:
Minimum coverage shall
provide:
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Program participants and their dependents
are required to have medical insurance
coverage with the following minimum benefits
[22 CFR 62.14].
- Medical benefits of at least
$50,000 per accident or illness
- Repatriation of remains in the
amount of $7,500
- Expenses associated with the medical
evacuation of the exchange visitor to
his or her home country in the amount of
$10,000
- A deductible not to exceed $500 per
accident or illness.
Sponsors are to require that their
participants (and any dependents entering
the United States as holders of a J-2 visa)
have insurance in effect during the period
of time they are in the sponsor's program.
An insurance policy secured to meet the
benefits requirements must be underwritten
by an insurance corporation with an A.M.
Best rating of "A-" or above, an Insurance
Solvency International, Ltd. (ISI) rating of
"A-I" or above, a Standard and Poor's Claims
Paying Ability rating of "A-" or above, or a
Weiss Research, Inc. rating of B+ or above.
Alternatively, the sponsor may ascertain
that the participant's policy is backed by
the full faith and credit of the government
of the exchange visitor's home country. For
other options, see [22 CFR 62.14].
Program regulations also discuss coverage
through HMOs and self-insurance of the above
requirements by federal, state or local
government agencies, state colleges and
universities, and public community colleges,
if permitted by law. Refer to [22
CFR 62.14] for additional
information.
For more information contact the US State
Department
http://j1visa.state.gov/sponsors/how-to-administer-a-program/
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How do I RENEW by
Policy?
If you are RENEWING, please go
to Application
Direction page and use the RENEW button for the
appropriate plan.
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VISIT®
International Health Insurance Program
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