Frequently Asked Questions
 

• How do I contact the Claims Office?
  

• Is there a Plan option for Students?

• What is a Deductible?

• What is a Per Injury or Illness Deductible?

• What is covered under the maternity benefit?

• What types of sports are covered under the hazardous sports coverage?

• What types of sports are excluded from coverage?

• Do I need to go to a specific doctor or hospital if I need medical attention?

• Are Routine visits to the doctor, annual physicals or vaccinations covered?
  

• How can I get a copy of the Policy?

• What is VISIT's cancellation policy?

• Who Underwrites the VISIT Plans?
  

• What are the U.S. State Department Medical Insurance Requirements?

• How do I RENEW by Policy? 

• 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 covered under the maternity options?
  
  Maternity benefits are only available if the Maternity Plan option is chosen at least 30 days prior to conception (except for PGH Global Preferred where maternity is covered with no waiting period).  Maternity benefits are available through the Economy, Standard, Super, Platinum and PGH Global 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.

  Economy, Standard, Super, Platinum and E Plus Plans
  Multiplan PPO Network:  http://www.sevencorners.com/ppo/
  

  PGH Global Plans
  UnitedHealth Care Network: http://www.pghstudent.com/student/find-a-doctor/
  
  Patriot IMG Plans
  IMG PPO Network

  ATLAS & StudentSecure
  Domestic Provider Network

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• Are routine visits to the doctor, annual physicals or vaccinations covered?

  The VISIT^® EPlus, Economy, Standard, Super and Platinum Plans cover accidents & sickness, and medical emergencies only.  This program will not provide coverage for routine visits to the doctor, annual physical exams or vaccinations.  Our PGH Global Plus and Preferred Plans include Preventive Care coverage.

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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.
  
  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.

  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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