ciee - council on international educational exchange
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iNext will be closed from December 20th – 29th. ID Cards will be printed on Tuesday December 23rd, and then again on Monday the 29th. No overnight/expedited will be available during this time.

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FAQs

Frequently Asked Questions about Comprehensive Insurance Coverage

Frequently Asked Questions About Supplemental Insurance Coverage

Who is eligible to purchase an iNext Enhanced Comprehensive international insurance card?

Any individual 13 years of age and older and currently resides in the United States may obtain an iNext Enhanced Comprehensive international insurance card. 

What is Enhanced Comprehensive international insurance?

Enhanced Comprehensive plans are fulfilled through the Nationwide Mutual Insurance Company with assistance services provided by EuropAssistance and Inter-Hannover. These plans are designed for the traveler who may intend to spend longer periods of time overseas and/or visit less traditional destinations. Additionally, these plans are appropriate for travelers who may not have primary insurance or have a primary insurance plan with limited or no overseas coverage.

Like all international travel insurance plans, the coverage provided by iNext is secondary to any other coverage that you may have. In other words, if you are covered by another insurance plan, whether personal, parental, or through your university, school or workplace—then that plan is your primary plan. Prior to departure, you should contact your primary insurance carrier concerning coverage to determine what benefits or limitations there are for medical treatment overseas.

IMPORTANT

While abroad, you should have your primary insurance carrier and plan information readily available. During the claims process with seven corners, you will be asked the following:

  • Name, address, and phone number of primary insurance provider
  • Policy ID number, member number, group number of primary insurance plan 

Who is the provider of the iNext Enhanced Comprehensive international insurance plans?

The iNext Enhanced Comprehensive international insurance plans are provided under the group sickness, accident, and travel insurance plan maintained by CIEE: The Council on International Educational Exchange. The iNext Enhanced Comprehensive plans are underwritten by the Nationwide Mutual Insurance Company, an A+ AM Best rated company and administered by Seven Corners. 

How long am I covered by my iNext Enhanced Comprehensive international insurance plan?

Please, reference the Insurance Effective dates on the front of your iNext insurance card. If you still have questions, please contact us for assistance.  

Where in the world am I covered by my iNext insurance plan?

Please, reference the Insurance Effective dates on the front of your iNext insurance card. If you still have questions, please contact us for assistance. 

What are the plan exclusions?

iNext Enhanced Comprehensive plans do not include coverage for the following:

  • Pre-existing conditions: Any injury, sickness or condition identified or treated within a 60 day period prior to the effective date of your policy.
  • Routine physicals or dental care
  • Preventative medicine
  • Injuries sustained by the following activities: Mountaineering where ropes or guides are used; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle, or motorcycle, extreme skiing, snowmobiling, motorcycle riding, scuba diving, and parasailing. 

Is pre-approval required before receiving medical treatment?

No, however you are strongly encouraged to contact Seven Corners collect at +1.317-582-2684 if you are hospitalized, require surgery or being treated for a serious medical condition. Treatment by any licensed doctor or medical facility should be covered to policy limits if your primary insurance does not cover the treatment. You should go to any licensed doctor of your choice, obtain any prescription medication needed, pay the doctor, and then submit a claim for reimbursement. The customary procedure is thus to pay first and then submit a claim for reimbursement. In certain covered emergency situations, Seven Corners can issue a guarantee of payment for up to $5,000 to facilitate cashless access to services. 

Can direct payment to a doctor or health care facility be arranged?

In certain covered emergency situations, Seven Corners can issue a guarantee of payment for up to $5,000 to facilitate cashless access to services. For questions regarding direct payment options, contact Seven Corners directly. You must contact Seven Corners before being admitted to a hospital for scheduled surgery unless it is a medical emergency and a call is not possible. The Seven Corners emergency response team is available 24/7 and may be able to arrange direct payment with the hospital or coordinate payment guarantees to facilitate cashless access for serious and expensive medical cases. Please understand that direct payment is not always guaranteed as each claim is handled on a case-by-case basis.

Seven Corners: 

  • +1.317-582-2684 (collect/outside U.S.)
  • 877-852-6767 (toll free inside the U.S.)

How do I file a claim?

You can easily file a claim with Seven Corners by mail, fax, or email. See below to download the appropriate claim form:

You should have the following information available to file a claim:

  • Program reference number (listed on the back of the iNext Travel card and Confirmation of Insurance email) for Enhanced Comprehensive plans
  • The coverage type or benefit category the claim is under (e.g. Medical Expense, Baggage Loss, etc.)
  • Date of covered treatment or loss
  • Amount paid (if applicable)

You should complete the claim form for accuracy, sign the form, and return it to Seven Corners along with any requested supporting documentation, such as original receipts, diagnosis, proof of travel (e.g. copy of a flight itinerary), and primary insurance information.

It is important to remember to keep your receipts from doctor’s visits, pharmacy prescriptions, and diagnosis records. These will be required by Seven Corners when you file a claim. All diagnosis forms should be translated into English if possible. One reason claims processing can be prolonged is due to lack of proper documentation. The better prepared you are, the faster the claims processing can transpire.

Completed claims forms must be sent with the original itemized bills to the claim administrator within 90 days. Submit claims inquiries to:

Seven Corners, Inc.
303 Congressional Boulevard
Carmel, IN 46032
Fax: +1.317-575-2256
Email: claims@sevencorners.com

If you have any questions about our claims process, please feel free to contact Seven Corners at:

  • +1.317-582-2684 (collect/outside U.S.)
  • 877-852-6767 (toll free inside the U.S.)

Who do I call in the event of an emergency?

Seven Corners is available 24/7 to assist. Contact them at:

  • +1.317-582-2684 (collect/outside U.S.)
  • 877-852-6767 (toll free inside the U.S.)

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