PERIOD OF COVERAGE

You may initially enroll into Inbound USA for between 1 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 - Your coverage will begin on the latest of the following:

1.       Your departure from your Home Country; or

2.       The date your Application and premium are received by SRI; or

3.       The date your Application and premium are accepted by SRI; or

4.       The date you request on the Application.

Expiration Date - Your coverage will end on the earlier of the following:

1.       The date shown on the Insurance Confirmation Card, for which premium has been paid; or

2.       The date you return to your Home Country; or

3.       12 months after your original Effective Date; or

4.       The day an insured becomes a U.S. citizen or is considered a U.S. resident by the state where they are residing; or

5.       The date of entry into active military service.

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

RENEWAL

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 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  

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 $75 or $150, or a $250 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.