Seven Corners, Inc.

*** *** Revdex.com NDelaware Street #Indianapolis, IN 46204-RE: Complaint ID: *** Dear *** ***: Seven Corners, Incis in receipt of the complainant’s rebuttal to our initial response regarding complaint *** filed by *** ***. The complainant, *** ***, has expressed concerns that she has not received a letter regarding payment for *** ***’s claim. Payment was processed to *** *** on March 14, 2016. The attached payment letter was also mailed. Once processed, our system takes up to business days for the check to be printed and mailed. Her claim check #***, in the amount of $1,865.00, was printed and mailed on March 25, 2016. We hope this answers your concerns regarding this matter. Should you have any further concerns, please contact this officeSincerely, Seven Corners, Inc

Revdex.com,
Please help.
They promised the checks, but have only sent so far - for ** **
I've waited another days after receiving the first check, thinking there may be delay in delivery; but, now I believe I have given it adequate time to consider any mailing issues.
Please help me to obtain the second portion - which is for my husband, ** **
Thanks you so much in advance for your help.
Sincerely,
*** %

RE: Revdex.com Complaint # ***Complainant:
*** * *** Our Certificate Number: ***Our
Insured: *** * *** Insurance Company: Nationwide Mutual Insurance Company Attn:
*** ***: Thank
you for your correspondence dated October 22, regarding *** *
***. Seven
Corners, Incis an
administrator for Nationwide Mutual Insurance Company and this response is in
reference to Revdex.com Complaint Number ***We have reviewed Ms***’s claim and case fileBased on the information
provided by Ms***, we are pleased to advise that a settlement check in the
amount of $has been issued, which represents the non-refunded prepaid
airfare expense.If
you have any further questions regarding this matter, please contact our
officeClaims Administered on Behalf of Nationwide Mutual Insurance
Company and affiliated companiess why here

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I just sent a letter from the doctor's office about ongoing outpatient treatment for my sonThat should meet the insurance requirement for partial hospitalizationI hope they accept it.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this response/resolution is satisfactory to me.
Regards,
*** ***

March 18, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204- RE: Complaint ID: *** Complainant: *** *** To Whom It May Concern: Seven Corners, Inc(“Seven
Corners”) is in receipt of Complaint *** which was filed by *** *** on March 10, 2016. Mr*** purchased the Nationwide Travel Protection Plan, Certificate Number 30958242, for his November 18-28, trip. We have reviewed the complaint and the claim file and have confirmed that the claim is not eligible for trip cancellation coverage benefits. The reasoning for our decision is explained below In order to clarify the roles of the parties involved, Nationwide Mutual Insurance Company (“NMIC”) is the insuring company of the travel insurance policy purchased by Mr***. Seven Corners is the third party administrator contracted by NMIC to provide customer service administration and claims adjudication services for individuals who purchase travel insurance products underwritten by NMIC. OneTravel is the Travel Provider from whom Mr*** purchased his flights Due to medical reasons, Mr*** submitted a trip cancellation claim. The medical documentation submitted did not indicate treatment dates for the condition that resulted in the cancelled trip. On December 16, 2015, a fax was sent directly to Mr***’s treating physician requesting clarification of the treatment dates. An items needed letter was also sent to Mr***, on this same date, advising him that we had written to his physician requesting additional information On February 18, 2016, we received a physician’s statement from Mr*** indicating he received treatment on September 14, for the medical condition that resulted in the cancelled trip, which is prior to the October 21, trip cancellation coverage effective date. Based on this information, he would not satisfy the purchased policy’s definition of sickness, which states “sickness” is (1) an illness that requires a physical examination and medical treatment by a physician and (2) commences while the coverage is in effect.” On February 26, 2016, we sent an e-mail to Mr*** requesting additional information. The physician’s statement provided on February 18, did not confirm whether Mr*** sought any treatment between October 21, (the effective date of trip cancellation coverage) and November 18, (scheduled departure date). Mr*** informed our office that he did not seek treatment during the specified period, October 21, to November 18, 2015, for the condition that resulted in his cancelled trip Based on the information provided by Mr***, he would not satisfy the policy’s definition of sickness in order for trip cancellation benefits to apply. As a result, his claim was denied. Due to the failure of Mr*** to present evidence to meet the definition of “sickness,” a denial letter was mailed to Mr*** on March 8, We appreciate the opportunity to address Mr***’s concerns. Please contact this office should you have any further questions regarding this matter Sincerely, Seven Corners, Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Dear Revdex.com; This is extension of my complain#***There are three providers need to be paid1) Doctor - $2) Quest - $3) Doctors Express- $Recently I got the letter from Seven corners and they agreed to pay doctor’s bill of only $out of $which I yet to get the confirmation from the doctor that they indeed paid the moneyThey denied request for the Quest bill and no word yet on Doctors Express billThey denied or underpaid my providers with a remark that “DENIAL: Charges EXCEED Maximum allowed”My insurance coverage is $45,Medical Maximum per Injury/SicknessHow these bills are over $45,000? Does this really make sense? We didn’t even ask for the medicine cost and not even asking them to pay anything for medicine but they must pay all three providers as these are over months old billsThank you, *** ***All the providers on the claim must be paid by Seven Corners Inc

June 13, *** *** Revdex.com N Delaware Street #Indianapolis IN 46204-RE: Complaint ID *** Customer: *** *** Certificate #*** Dear
Ms***: Seven Corners, Incis in receipt of Complaint ID Number *** and sent to the attention of Dennis W*** on June 11, 2016. The complainant, *** ***, has expressed concerns with the handling of recent travel medical insurance claims under the certificate # referenced aboveThis office has reviewed the file and the claims in question. *** *** was covered a Liaison Continent policy effective from June 16, through September 15, 2015. This policy contains the following exclusion: Pre-existing Conditions which are excluded under this policyThis means that any claims for Pre-existing Conditions will not be covered for the duration of this policy a) If You are a United States resident under age 70, this exclusion is waived for the first $25,in eligible medical expenses incurred outside the United States and Canada (for persons age and over, the amount is $5,000), minus Your Deductible and selected Coinsurance option (Plan E or F)This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this programb) If you are a non-U.Sresident under age 70, this exclusion is waived for eligible medical expenses for an Acute Onset of a Pre-existing Condition(s) (as defined herein) up to $45,(Ages 65-limited to $2,000) for eligible medical expenses incurred in the United States, minus Your Deductible and selected Coinsurance option (Plan A or B)For persons age and over, there is no benefitThis benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to arrival in the United States and prior to the effective date of this programPre-existing Condition(s) shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36* months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosedThis specifically includes but is not limited to any medical condition, sickness, Injury , Illness, disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the month period immediately preceding the effective date of coverage under this policy*For Insured Persons traveling outside the United States and Canada, the period is months instead of monthsAcute Onset of a Pre-Existing Condition(s) shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms and requires urgent careThe Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policyTreatment must be obtained within hours of the sudden and unexpected outbreak or recurrenceA Pre-existing Condition that is a Congenital condition or that gradually becomes worse over time will not be considered Acute OnsetA Pre-existing Condition will not be considered an Acute Onset if during the days prior to the acute event You had a change in prescription or treatment for a diagnosis related to the acute eventThis benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of coverageThe insured sought treatment on July 23, 2015. The medical records received from the medical provider indicate that the insured’s condition had developed gradually and been ongoing for a period of six months. The records do not indicate any acute injury or onset of this condition, and in fact states that the patient denied any injury relating to the problem. Based on the medical records and the definition in the policy, the condition is pre-existing. This member did not present within hours of acute onset of symptoms and therefore the Acute Onset Benefit would not apply for this occurrenceThank you for your time and attention to this matter and should you have questions involving this claim matter, please contact this officeSincerely, Seven Corners, Inc.

Seven Corners, Incis in receipt of complaint ID # *** andsent to the attention of Dennis W*** on August 14, 2015. The complainant, *** ***, is requestinga refund for premium paid to purchase a travel insurance policy on July 27,We appreciate the opportunity to address his
concerns.In order to clarify the role of the parties involved, One Travelis a travel provider of flight and other vacation accommodations, and SevenCorners, Inc(“Seven Corners”) is the third party administrator contracted toprovide claim adjudication services.Our records show that on July 27, 2015, *** *** made anonline purchase for travel insurance from One TravelMr*** paid $inpremium to the travel providerThe following day, (7/28/2015), Mr*** stateshe was directed to contact Seven Corners to cancel his travel insurancepurchase and receive a refund for his purchasePer Mr***’s concerns made to the Revdex.com of Central Indiana, hehas not received his requested refund and not received assistance in processinghis refundSeven Corners does not collect premium for the travel insurancepolicy purchased by the consumer; however upon our office being made aware ofMr***’s request to cancel his policy and refund his payment, Seven Cornerscontacted One Travel on his behalf and requested that they reimburse/refund hispurchaseOn August 17, 2015, Seven Corners received the following notificationfrom One Travel:“Pleasenote that a request for refund of the premium amount of $is submittedtoday (8/17/2015)This should be done on 'priority basis' which should takeabout 24-hrsOnce we process the refund, it typically takes about 7-10business days for the amount to reflect on the customer's credit card account (MasterCardending with *** ***).”Per One Travel, they are currently processing Mr***’s refundfor $74.65, and once that is completed, the refund will be reflected on hiscredit card within to business days.Please contact this office if you have any further questionsregarding this matter.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
The point of my complaint is that the original date of insurance purchase was before the date of my daughter's treatmentWe were told by the employee that we purchased the insurance through that our trip was coveredCome to find out we have to pay an addition to cover the other half of our tripWhy would I want to cover 50% of my trip?
*** ***

Seven Corners, Incis in receipt of Complaint ID Number: *** and sent to the attention of *** *** on August 25, The complainant: *** *** indicates that Seven Corners is delaying the handling of her family member’s claimsThe listed insured parties on the purchased travel
insurance plan are: *** *** and *** ***.On May 7, 2014, the customer purchased a Tin Leg travel insurance policy from Squaremouth.comThe policy coverage period was May 8, to May 10, On June 23, 2014, Seven Corners Increceived a trip cancellation claim form and a copy of the travel itinerary for *** *** and *** ***Per the physician’s statement received by this office, *** *** was too ill to travelThe following day, June 24, 2014, this office received duplicate copies of the above documentsIn review of the claim file record, on July 15, 2014, letters were sent to both insured parties requesting a cancellation notice that verified the date that the airline reservations were cancelled and the amount of any refund(s) or airline credit(s) provided to the customersAs of today’s date, this office has not received this requested informationPer the complainant, a copy of the cancellation notice was emailed to Seven Corners on August 7, 2014; however our records show no such document was received by this officePlease note that should Seven Corners, Increceive the additional requested information involving the insured’s reported travel cancellation claim; we will give that matter our immediate attentionWe appreciate the opportunity to address the concerns of *** *** Please contact this office should you have any further questions regarding this matter %

Seven Corners, Incis in receipt of Complaint ID Number: *** and sent to the attention of Dennis W*** on June 4, The complainant: *** *** indicates that Seven Corners is delaying the handling of her recent trip cancellation claimOur records show that on January 18, 2015,
*** *** purchased a Tin Leg travel insurance policyThe scheduled travel dates were February to March 3, On February 5, 2015, *** *** contacted Seven Corners to inform that she could no longer travel as scheduled due to an illnessThis office emailed the insured party a claims form for her completion and awaited the completed claim documents in order to evaluate her claimOn May 5, 2015, Ms*** made an inquiry call to this office asking for a status for her presented trip cancellation claim, as she stated she submitted her documentation for reviewThis office informed the insured that we had no record that we received her documents and asked that she resubmit all documents for evaluationOn May 20, 2015, this office spoke to Ms*** and explained that we had not received claim documents and the insured party emailed correspondence for our reviewUpon of receipt, the documents she provided included: a receipt for the cost of the pre-paid lodging; a credit card statement for proof of payment of her airfare and an airline booking confirmation were included for reviewMs*** did not submit: her completed claim form, the physician's statement to explain why she cannot travel and a cancellation notice from the *** *** Residences affirming if any credits or refunds were issued to her for cancelling her scheduled lodgingA written request was mailed to Ms*** as of June 8, 2015, requesting she submit the above documentation to Seven Corners in order for this office to move her claim to conclusionAs of today's date, this office has not received this requested informationPlease note that should Seven Corners, Increceive the additional requested information involving the insured's reported travel cancellation claim; we will give that matter our immediate attentionWe appreciate the opportunity to address the concerns of Julieta ***Please contact this office should you have any further questions regarding this matter

December
3, 2015***
*** Revdex.com Revdex.com of Central Indiana NDelaware StreetSuite
# Indianapolis, IN 46204-2599RE: Complaint Number: *** Complainant(s): *** *
*** Insureds: *** *** and *** *
*** Certificate Number: ***Dear
Ms. ***:Seven
Corners, Incis in receipt of complaint ***, forwarded to the attention
of Dennis W***, Seven Corners, Incvia email on November 30, 2015. Upon additional information just received
from One Travel, we are pleased to advise that payment in the amount of $
($per person) has been issued.
The *** also requested reimbursement for their rental car and the
premium paid for their travel insurance policy.
There is no coverage under the travel policy for rental car expenses and
in regards to the money paid for the travel insurance policy, all premiums are
non-refundable after a ten (10) day free look period. In
order to clarify the roles of the parties involved, Nationwide Mutual Insurance
Company (“NMIC”) is the insuring company of the travel insurance policy
purchased by the ***. Seven Corners,
Inc(“Seven Corners”) is the third party administrator contracted by NMIC to
provide customer service administration and claims adjudication services for
individuals who purchase travel insurance products issued by NMIC. One Travel is the Travel Provider from whom
the *** purchased their flightsThe
delay in the processing of this claim was the result of an incorrect booking
number listed on the claim form filed by the insured. The cancellation notice submitted by the
insured, booking number ***, was not insured under this travel insurance
policy. The correct booking notice was
***. We contacted One Travel and
were able to obtain the correct booking number for the trip insured under the
NMIC policy and upon such receipt of such information issued payment as
described above.Should
you have any further questions involving this claim matter, please let us knowSincerely, Seven
Corners, Inc Claims Administered on Behalf of Nationwide Mutual Insurance Company and
affiliated companies

Seven Corners, Incis in receipt of complaint ID #***, filed 9/25/2014, and sent to the attention of Dennis *** on 9/26/The complaint was filed by *** *** who objects to the claim handling of his mother’s trip delay claim
On June 22, 2014, Mr*** purchased travel
insurance coverage on behalf of the insured party: *** ***Mrs*** scheduled travel dates were: July 2, to November 27, On July 2, 2014, the customer’s scheduled flight: United Airlines #*** from Newark Liberty Airport to Columbus Airport was cancelledUnited Airlines rebooked Mrs*** to continue her trip on July 3, on United Airlines #***The change in itinerary also changed her arrival destination from the Columbus Airport to the Dayton International AirportDue to the travel delay, the customer incurred out of pocket costs and submitted a trip delay claim to Seven Corners, Inc
Upon our evaluation of the customer’s submitted claims documentation, we requested additional information from the insured party involving: verification of the delay from the airline/common carrier and receipts for the additional expenses incurred
*** *** submitted documentation from United Airlines, which confirmed the travel disruption that occurred on July 2, and the change in the customer’s itineraryThe customer also provided an invoice from the Hyatt Place Secaucus/MeadowlandsThe hotel invoice does not list the insured party but instead lists *** ***The customer noted on the invoice, that Ms*** paid the lodging costs for the insured in the amount of $Seven Corners contacted Hyatt Place Secaucus/Meadowlands and spoke with a person named *** who advised that they have no record of *** *** being a guest at their hotel on 7/2/2014. As a result, Seven Corners requested an invoice/receipt in the name of the insured in order to continue with the claim processing. As of this date, our office has not received this documentation
Mr*** has contacted Seven Corners several times to inquire about the status of his claim and representatives addressed his concerns and informed him of what was needed to move the claim to conclusionWe apologize for any delay that resulted from our attempts to obtain needed documentation in which to conclude handling of Mrs*** claim
The trip delay policy benefit does not provide coverage for the additional transportation costs submitted by the customer (taxi fare and gasoline costs)
Policy language which is pertinent to this matter:
TRIP DELAY
The Company will reimburse You for Covered Expenses on a one-time basis, up to the maximum shown in the Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for twelve (12) or more hours due to a defined Hazard
Covered Expenses include: (a) any reasonable Additional Expenses incurred
Hazard means: (a) any delay of a Common Carrier (including Inclement Weather);
Additional Expense: means any reasonable expenses for meals and lodging which were necessarily incurred as the result of a Hazard and which were not provided by the Common Carrier or other party free of charge
You or Your: refers to all persons listed on the Confirmation of Coverage under the program purchased by the Insured
We appreciate the opportunity to address Mr***’s concerns, please contact this office should you have any further questions regarding this matter

December
9, 2015***
***Revdex.com
of Central Indiana
NDelaware StreetSuite
# 2020Indianapolis,
IN 46204-2599RE: Complaint Number: ***Complainant:
*** ***Our
Insured’s Name: *** *** ***Certificate
Number: ***Policy:
Inbound
USAUnderwriter: Certain Underwriters at Lloyd's, LondonDear
Ms***: We are in receipt of your correspondence regarding the above referenced
complaint. The complaint was received by
Seven Corners on December 9, 2015. Seven
Corners, Incis an administrator for Certain Underwriters at Lloyd's, London
(Underwriters)This response is on behalf of Seven Corner’s, Incand Certain
Underwriters at Lloyd's, London (Underwriters) subscribing to the above
referenced policy.Our
records show that the effective dates of the above captioned policy were from November
14, to April 12, Seven
Corner’s, Incand Certain Underwriters at Lloyd's, London (Underwriters) had
an independent medical review completed by Medical Review Institute of America,
Inc.; of the treatment received by *** *** ***, The findings of the
review revealed Ms*** suffered an acute manifestation of coronary artery
disease and that her coronary atherosclerosis was present for years preceding
the event on December 26, Her admission on December 26, was
determined to be due to a pre-existing medical conditionBelow
is the Policy language that is pertinent to this matter.DEFINITIONS“Acute
Onset of a Pre-existing Condition(s)” shall mean a sudden and unexpected
outbreak or recurrence of a Pre-existing Condition(s) which occurs
spontaneously and without advance warning either in the form of Physician
recommendations or symptoms and is of short duration, is rapidly progressive, and
requires urgent careThe Acute Onset of a Pre-existing Condition(s) must occur
after the effective date of the policyTreatment must be obtained within
hours of the sudden and unexpected outbreak or recurrenceA Pre-existing
Condition that is a chronic or congenital condition or that gradually becomes
worse over time will not be considered Acute OnsetThis benefit does not
include coverage for known, scheduled, required, or expected medical care,
drugs or Treatments existent or necessary prior to the Effective Date of
coverage."Pre-Existing
Condition" shall mean any medical condition, Sickness, Injury, illness,
disease, Mental Illness or Mental Nervous Disorder, regardless of the cause
including any congenital, chronic, subsequent, or recurring complications or
consequences related thereto or resulting therefrom that with reasonable
medical certainty existed at the time of application or within the one hundred
and eighty (180) days (three hundred and sixty five (365) days for Insured
Persons and older) immediately prior to the Insured Person’s Effective Date
under the policy, whether or not previously manifested, symptomatic, known,
diagnosed, treated or disclosedThis specifically includes but is not limited
to any medical condition, Sickness, Injury, illness, disease, Mental Illness or
Mental Nervous Disorder, for which medical advice, diagnosis, care or treatment
was recommended or received or for which a reasonably prudent person would have
sought treatment during the one hundred and eighty (180) days (three hundred
and sixty five (365) days for Insured Persons and older) immediately
preceding the effective date of coverage under this policy.GENERAL
EXCLUSIONS AND LIMITATIONSNo
benefits will be paid for loss or expense caused by, contributed to, or
resulting from:
Pre-existing Conditions, as defined hereinIf you are a non-U.Scitizen under
age 70, this exclusion is waived for eligible medical expenses for an Acute
Onset of a Pre-existing Condition(s) (as defined herein) as shown in the
Schedule of Benefits for your chosen plan (Plan A, B, C, or D)Benefits will
be administered as stated in section G, Acute Onset of a Pre-Existing
Condition(s), for eligible medical expenses incurred in the United States,
minus your Deductible and subject to the scheduled limits for benefits as
stated in the Schedule of BenefitsFor persons age and over, there is no
benefitThis benefit does not include coverage for known, scheduled, required,
or expected medical care, drugs, or treatments existent or necessary prior to
the effective date of this programAny exclusion specifically listed in
General Exclusions and Limitations, numbers through 35, as well as the
section entitled Additional Limitations and Exclusions for Elective Surgery and
Elective Treatment, will not receive benefits from this waiverBased
upon the Policy’s Coverage Provisions and the medical records, Underwriters
have determined there is no coverage for the claim submitted because the
condition existed prior to the effective date of the policy. The
reasons for this denial of coverage are not limited to those stated in this
letter, and Underwriters reserve the right to supplement this letter with
further legal and factual reasons as to why there is no coverage. Underwriters do not waive any rights under
the Policy or under applicable law. This
response is based upon the information you provided to Underwriters and
information Underwriters have obtained during their investigation and review of
your claim.We
hope this answers any outstanding questions in relation to *** *** ***’s
claimIf
you should have any further questions or need further clarification of the
above, please do not hesitate to contact us.Sincerely,Claims
Department Seven
Corners, Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I will not accept this offer because it is not an offerI got an health insurance covered up to and all I got back is a bill $tothat nobody wants to payI am totally broke because I wanted to be saveIf I had known that I'm only covered up to and need to pay that company on top, why would I have needed an insurance? I paid them more in the coverage time then they paid for the billThat shouldn't be right! I would need to go times to the hospital room in one month to even get to - totally fraud in my eyesI paid a monthly payment for that $coverage and now they have to pay for itEven the Airforce lawyer couldn't belive thatAnd I didn't go to the hospital because I like it there, I went there because I did have a serious problem. This is a fraud and shouldn't be allowedNobody else should get into thisIf necessary, I will open more cases across the country and also write recommendations across the country about that coverageThis won't help me but it will help others since it is an immigration insurance.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The condition was acute exacerbation of chronic condition and would meet the criteria for treatment and coverageThis was indicated by my provider that I spoken to
Regards,
*** ***

February 14, *** *** Revdex.com N Delaware Street #Indianapolis IN 46204-RE: Complaint ID *** Customer: *** *** Certificate *** Insured: *** *** Policy Name: *** *** Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number *** and sent to the attention of Chelsi T*** on February 1, 2017. The complainant, *** ***, has expressed concerns with the handling of his wife’s travel medical insurance claims under the certificate # referenced aboveThis office has reviewed the file and the claim in question. The claims were denied under the exclusion in the policy for pre-existing conditions. This decision was made after medical review of the medical records received in connection with *** ***’s illness. We regret that Mr*** is not happy with our customer service or claim handling. However, our records reflect extensive communications between our company and Mr*** in efforts to explain our denial and assist him with his concerns. Please be advised that in response to this complaint, as well as a formal complaint that has been filed by Mr*** with the California Department of Insurance, we will be undertaking a complete review of this file. Complete, detailed response to Mr***’s complaint with documentation will be sent to the California Department of Insurance by their deadline of March 1, 2016. Thank you for your time and attention to this matter and should you have questions involving this claim matter, please contact this officeSincerely, Seven Corners, Inc

August 15, *** *** Revdex.com N Delaware Street #Indianapolis IN 46204-RE: Complaint ID *** Customer: *** *** Certificate
#*** Policy Name: Inbound Immigrant Claim #*** Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number *** and sent to the attention of Chelsi T*** on August 10, 2016. The complainant, *** ***, has expressed concerns with the handling of her recent travel medical insurance claim under the certificate # referenced aboveThis office has reviewed the file and the claim in question. This policy contains a schedule of benefits allowing up to specified limits for medical services. The Schedule of Benefits included in the policy contains a limit of up to $for “Hospital Emergency Room (all expenses incurred therein)”. All services billed for by the hospital for services during an emergency room visit are payable under this benefit and are subject to the $limit. Since the maximum benefit payable under the policy has been paid, no additional benefit can be paid under the policy to the hospital for this visit. We do regret if there was any misunderstanding by Ms*** concerning the coverage allowances under the policy. However, we are unable to allow benefits exceeding the maximum amount payable stated in the policy. Thank you for your time and attention to this matter and should you have questions involving this claim matter, please contact this officeSincerely, Seven Corners, Inc.