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VISIT® International Health Insurance Program
 for International Students, Scholars, Spouses, Families and Visitors

Call Us Today 1-800-247-5575 or 1-703-660-9062 or Quote & Buy Online Now

The Trusted Name in International Health and Travel Medical Insurance for over 30 Years!


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Frequently Asked Questions
 

  • 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
       

    Click here for more information about claims

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  • Is there a Plan option for Students?

    VISIT® Economy, Standard, Super, Platinum Plans & PGH Global Plus and Preferred 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, PLATINUM and PGH Global Plans.

    Plan E PLUS

    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 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.

    PGH Global Plans
    Underwritten by UnitedHealth Care

    ATLAS
    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® International Health 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:

    NEW REQUIREMENTS AS OF MAY 15, 2015

    Sponsors must require that all exchange visitors (as well as their accompanying spouses and dependents) have insurance in effect that covers them for sickness or accidents during the time of their exchange visitor program.  The recent rule increases the minimum coverage to meet today’s medical insurance needs.  As of May 15, 2015, minimum coverage must provide medical benefits of at least $100,000 per accident or illness; repatriation of remains in the amount of $25,000; expenses associated with medical evacuation to the exchange visitor’s home country in the amount of $50,000; and deductibles cannot exceed $500 per accident or illness (Section 62.14(a)).  Inadequate insurance coverage may be catastrophic for an individual exchange visitor. Thus, the Department increased the requirements.

    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 $100,000 per accident or illness
    • Repatriation of remains in the amount of $25,000
    • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
    • 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, an Insurance program of PENTECO, LLC
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Correspondence: P.O. Box 210, Mount Vernon, VA  22121 (703) 660-9062/ (800) 247-5575/ (703) 991-9164 fax
email:
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