Seven CornersUnderwritten by Lloyd's of LondonA.M. Best A

Diplomat America

Name: Diplomat America
Brand: Seven Corners

Diplomat America is a comprehensive US visitor medical plan from Seven Corners - $1M coverage, with acute-onset-only PED handling, direct billing at in-network hospitals.

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Plan type

Comprehensive

Coverage limit

$1M

Pre-existing

Acute-onset only

Direct billing

Yes

Network

Very large network

Trip length

90–1095 days

Who this plan is - and isn't - for

Good fit for

Travellers who want real hospital bills paid, not capped sub-limits.
People who don't want to pay $50k upfront and chase a reimbursement later.
Long stays of 6+ months - this plan goes the distance.
Travellers who'll be in multiple US cities - wide hospital network.

Not the right fit for

Travellers expecting routine PED treatment - only sudden flare-ups are covered.
Travellers above age 79 - this plan won't cover them.

Example scenario: what it actually feels like

A typical mid-sized US hospitalisation, walked through day by day - so you can see what you'd actually pay and how long it would take.

The story · slip and fracture, ER + 2-day hospital stay (~$45,000 bill)

Day 0Visitor falls, broken wrist, ER admission
Hospital bill clock starts. Total estimated bill: $45,000 (₹37 lakh).
Day 0You show the insurance card
Hospital staff call the insurer's 24×7 hotline to verify coverage and pre-authorise treatment.
Day 1Direct billing arranged
Direct billing kicks in. Seven Corners settles directly with the hospital. You only owe deductible + your 100% after deductible coinsurance share.
Day 2Discharged
Your share so far: ~$8,000 (deductible + coinsurance).
Day 3Submit claim documents
Itemised bill (UB-04/HCFA), doctor's notes, discharge summary, prescriptions, passport copy.
Day ~25Claim settled
Average settlement on Diplomat America is around 22 days from complete documents. Insurer pays ~$37,000 directly to the hospital.

Hospital bill

$45,000

₹37 lakh

What you pay

~$8,000

₹7 lakh

What insurance pays

~$37,000

₹31 lakh

Reality check: without any insurance, you'd be paying the full $45,000 (~₹37 lakh) out of pocket.

Numbers are illustrative, computed from this plan's deductible, coinsurance and claim-settlement fields. Your actual quote and claim outcome depend on traveller age, the hospital, and the specific incident.

What this plan actually pays in real situations

Examples assume an in-network US hospital and that the deductible is already met.

Heart attack - ER, ICU, stent (~$120,000 bill)

Likely covered

Covered up to your $1M limit. You'd owe the deductible plus your coinsurance share (100% after deductible).

Slip and fracture - ER + outpatient surgery (~$35,000)

Likely covered

Treated as a new injury, so it's covered. Expect to pay the deductible plus your coinsurance share.

Diabetes complication - sugar crash, hospitalisation (~$8,000)

Likely covered

Covered only if it's a sudden, life-threatening flare-up. Routine refills are not covered. Cap: $15,000.

Routine GP visit for a cold or BP check

Not covered or capped

Not covered. Visitor plans are emergency-only - they aren't health insurance for routine care.

Pre-existing conditions - what this really means

Only acute-onset flare-ups - sudden, unexpected, life-threatening episodes - of existing conditions are covered. Routine medication refills, planned check-ups and known complications are NOT covered. The cap is $15,000, available up to age 69.

New injuries & illnesses on the trip

Acute flare-ups of existing conditions

Routine refills & check-ups

Conditions not disclosed at purchase

What you'll still pay even when claims are paid

Deductible (per claim)

You pay this first, before insurance kicks in. Higher deductible = lower premium.

$100–$5000

Coinsurance share

Your share of the bill after the deductible is met.

100% after deductible

Out-of-network usage

Always show your insurance card and confirm in-network before non-emergency care.

Penalty if outside UnitedHealthcare Options PPO

Non-covered items

Cosmetic treatment, routine check-ups, undisclosed conditions, anything excluded in the policy wording.

100% out-of-pocket

How claims actually work on this plan

Go to the nearest ER

For life-threatening events, don't waste time picking a hospital - go now.

Show the insurance card

Hospital staff will call the insurer's 24×7 hotline.

Direct billing kicks in

Seven Corners settles directly with the hospital. You only pay deductible + coinsurance.

Claim settlement

Average settlement on this plan: roughly 22 days after submitting complete documents. Incomplete paperwork is the #1 reason claims drag on.

When claims on this plan get rejected

Non-disclosure
The single biggest reason. If a known condition wasn't declared at purchase, the entire claim can be denied.
Treating a pre-existing condition as new
If the doctor's notes link the issue to an existing condition, PED rules apply - even if the trip itself was healthy until then.
Going out-of-network without need
Non-emergency visits to providers outside UnitedHealthcare Options PPO can be partly or fully denied.
Late notification
Most insurers require notification within 24–48 hours of hospitalisation. Missing this window is a frequent cause of disputes.
Missing documents
No itemised hospital bill (UB-04/HCFA), no doctor's notes → claim stalls or gets rejected.

How Diplomat America compares

Quick check against other Seven Corners plans and the closest alternatives in the market.

Plan	Coverage	PED	Direct billing
SC Diplomat America Seven Corners	$1M	Acute-onset only	Yes
SC Liaison Travel Plus Seven Corners	$500k	Acute-onset only	Yes
SC RoundTrip Choice Seven Corners	$250k	Acute-onset only	No
SC RoundTrip Elite Seven Corners	$500k	Acute-onset only	No
SC Wander Frequent Traveler Seven Corners	$250k	Acute-onset only	No
WT Atlas America WorldTrips / Atlas	$1M	Acute-onset only	Yes
IMG Patriot America Plus IMG	$1M	Acute-onset only	Yes
HE HDFC ERGO USA Travel Platinum HDFC ERGO	$1M	Full PED cover	Yes

Want a side-by-side with watch-outs and price? Take the 30-second quiz - we'll line up the best fits for your traveller's age and health.

What it's likely to cost

Premium band

$90 – $1095 / month equivalent

Rough range across age, deductible and coverage choices. Your actual quote depends on traveller age and trip length.

Healthy, short tripSenior, long trip

Honest caveat: visitor plans price by age band, deductible and coverage limit. Same plan can cost 3× more for an 80-year-old vs a 50-year-old. The quote you'll see on the insurer's site is the only number that matters.

Our editorial take

What we like

Built for long stays (3 months to 3 years) — diplomats, contractors, extended visits.

What to watch

Minimum 90-day policy; not economical for short visits.

Frequently asked questions

Does Diplomat America cover pre-existing conditions?

Only acute-onset (sudden, unexpected, life-threatening) flare-ups of pre-existing conditions are covered, up to age 69. Routine medication refills, planned check-ups and known complications are not covered.

What's the maximum age Diplomat America will cover?

Diplomat America accepts visitors from age 14 up to age 79. PED-related cover (where applicable) cuts off at age 69.

Is direct billing available with Diplomat America?

Yes. At in-network hospitals (UnitedHealthcare Options PPO), the insurer settles the bill directly. You only pay your deductible plus your coinsurance share, not the full bill upfront.

What's the longest trip Diplomat America covers?

Diplomat America covers trips up to 1095 days, with a minimum of 90 day(s). The policy is renewable mid-trip if needed.

Does Diplomat America cover COVID-19?

Yes - COVID-19 testing and treatment are covered like any other new illness on this plan, subject to the deductible and coverage limit.

How long do claims take with Seven Corners?

Average claim settlement on Diplomat America is around 22 days from the time complete documents are submitted. Incomplete documentation is the most common reason claims drag on.

Not sure if Diplomat America is right for your traveller?

Our 30-second quiz factors in age, trip length and pre-existing conditions to surface the plans that actually fit - not just the ones with the biggest ad budgets.

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Compare Diplomat America head-to-head

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BackToIndia is an independent decision-support service. We are not the insurer, broker or claims administrator for Diplomat America. Coverage details summarised here come from the official policy wording and are reviewed periodically - always confirm against the insurer's policy document before purchase. Information here is general guidance, not insurance, medical, tax or legal advice.