Accident and Sickness Program for Exchanges Health Benefit (ASPE)

The U.S. Department of State’s Bureau of Educational and Cultural Exchanges (ECA) provides supplemental Accident and Sickness coverage for all Fulbright-Nehru grantees for the duration of their grants.  This benefit is not all-purpose health insurance; it is subject to specific limitations.  This coverage is not intended to replace any insurance a participant may already have.  Instead, its intent is to supplement existing coverage and to ensure that the participant’s basic health is protected in a foreign country.

ECA has contracted with Seven Corners, a third-party administrator, to offer the Accident and Sickness Program for Exchanges (ASPE), a self-funded, limited healthcare benefit plan to pay covered medical expenses.

Seven Corners, Inc.
P.O. Box 3724
Carmel, IN 46082-3724, USA

Telephone: 1.800.461.0430 (toll free for grantees in the United States) or 317.818.2867 (a collect call for grantees outside of the United States)
E-Mail: usdosinfo@sevencorners.com
Website: https://www.sevencorners.com/about/gov/usdos

Seven Corners can provide assistance to U.S. grantees trying to locate a physician overseas and, in some cases, has established a process where overseas physicians can directly bill Seven Corners (lessening the out-of-pocket expenses for U.S. grantees).

Please visit Seven Corners for the ASPE benefits guide, links to the physician/healthcare provider networks (Choice Care), downloadable ASPE forms and “MyPlan” a password accessible site which provides grantees services, such as claims tracking and downloadable pdf files of their ID cards.

The ASPE plan covers only the Fulbright-Nehru grantee during their stay in India while in grant status.  If you leave India anytime during the grant term for personal reasons, you will not be covered by ASPE.  We recommend all Fulbright grantees to maintain their current health insurance coverage during their grant term and treat the ASPE coverage as “supplemental”.

To know more about ASPE coverage, please refer to the ASPE Health Benefit Guide

Dependents must obtain the necessary healthcare insurance coverage before they arrive in India.  A few insurance companies that were recommended by former Fulbrighters for their dependents are:

Allianz
United healthcare
GEHA
AETNA
GeoBlu
Seven corners

NOTE: It is advisable to complete any medical routine check-ups before leaving for India.