Liaison Continent Medical Plan

Liaison Continent Medical Insurance provides coverage for individuals and families traveling outside their home country for a minimum of 5 days up to a maximum of 187 days.

Plan Benefits

Liaison Continent Medical Insurance® offers a broad range of benefits including:

  • In-patient hospitalization, medical diagnostic expenses, surgery (up to Policy Maximum - $50,000; $100,000; $500,000 and $1,000,000 per life of the plan)
  • Out-patient doctor office expenses (up to Policy Maximum)
  • Intensive care (Usual, reasonable and Customary charges)
  • Prescription Drugs (up to Policy Maximum)
  • Emergency Medical Evacuation (up to $300,000)
  • Return of Mortal Remains (up to $50,000)
  • Political Evacuation and Repatriation (up to $10,000)
  • Terrorism Coverage ($50,000 Maximum Lifetime Limit, Eligible Medical Expenses only)
  • Return of Minor Children (up to $50,000)
  • Common Carrier Accidental Death $100,000 per member(age 19 and older)$25,000 per member(under age 19) (Maximum $250,000 per family)
  • Accidental Death & Dismemberment ($50,000 for insured and insured spouse, $5000 for children)
  • Incidental trips to home country (up to $50,000)
  • Interruption of Trip (up to $5,000)
  • Loss of checked Luggage (up to $250)
  • Pre-existing condition:
    US Citizens: Unexpected recurrence of pre-existing condition coverage upto $25,000 for less than 70 years. But limited to $5,000 for age 70 and over.
    Non US Citizens: Acute Onset of Pre-existing conditions covered upto the limits stated below
Overall Medical Maximum Acute Onset Lifetime Medical Maximum
$50,000 $50,000
$100,000 $100,000
$500,000 $125,000
$1,000,000 $150,000

Eligibility

This insurance plan is available to individuals and families including children (above 14 days and under age 19) traveling outside of their home country.

For people traveling to the United States, the plan should become effective within 3 months of arrival

The plan is available to non-US citizens and US citizens (US expats) residing overseas and making a visit to the US

 

Liaison Continent Rate (Valid From 15/08/2011)

Click here to know more about the rider options,  rates and other terms.

Remarks:

  • Outside USA PPO Network: Outside the US you can go to any hospital or doctor. You can also look up the suggested list of providers at http://www.wellabroad.com/ (log in using your certificate number and date of birth).
  • Inside USA PPO Network: You can take advantage of direct billing and PPO discounts by using providers within the network. The plan United Health PPO, Choice Care etc. You can look up the listing of providers at http://welcometouhc.com/sevencorners
  • Renewal: Prior to the expiration date, Seven Corners will send out a renewal notice to your e-mail address, providing you the opportunity to extend coverage which can be done online. This can be done as many times as you like up to a maximum Period of Coverage of 187 days. A $5.00 Administrative Fee will be included on each renewal payment. If you would like to purchase additional coverage, you must return to your Home Country for a minimum of thirty (30) days.
  • Cancellation: Refund of total plan cost will only be considered if written request is received by Seven Corners prior to the Effective Date of Coverage. If written request is received after the Effective Date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to Seven Corners for reimbursement.

Coverage Review:

As per market analysis, the Liaison Continent Insurance is one of the few plans that offers coverage for sudden and acute onset of pre-existing conditions for non-US citizens (less than 70 years) visiting the US. Most other plans exclude coverage for pre-existing conditions. So, seniors with pre-existing chronic conditions but in stable health can travel with reasonable protection for their chronic illnesses. In the event of a life threatening condition during travel they can avail of the coverage for pre-existing conditions.

The same acute onset coverage for pre-existing conditions can be availed by US citizens (less than 70 years) while traveling outside USA and Canada.

Our Agency professionals have observed that the plan is comprehensive and provides excellent benefits for the premium collected.

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