Liaison Continent Insurance
Liaison Continent Insurance or Liaison Continent Travel Medical Insurance offers medical coverage and emergency health services to individuals and families traveling outside their home country. Liaison Continent Insurance is an ideal visitor health insurance for parents visiting USA and tourists and travelers to the United States. Liaison Continent Insurance plan is administered by Seven Corners Insurance worldwide.
Liaison Continent Insurance provides protection to citizens of any nation when traveling away from home. Liaison Continent Insurance is a good insurance coverage option for visitors to the United States and international travelers. Liaison Continent Insurance is ideal visitor medical Insurance for tourists and parents visiting the United States. Liaison Continent Insurance is renewable and offers up to $1,000,000 in medical benefits. Liaison Continent Insurance is an ideal visitor health Insurance for parents visiting usa and tourists to the United States.
Liaison Continent Insurance plan highlights and changes for 2012 are as follows:
- Pre-existing Condition Coverage has an increased benefit for acute onset of a pre-existing condition based on the maximum benefit amount of the policy purchased.
- If your overall medical maximum is $50,000, you will receive $50,000 towards medical expenses for of an acute onset of a pre-existing condition. Policy maximums of $100,000 will receive $60,000 towards acute onset. $500,000 policy maximums will have $75,000, and $1,000.000 policy maximums will receive $100,00 towards an acute onset.
- The $25,000 lifetime maximum evacuation coverage for non-U.S. citizens traveling to the United States remains the same.
- The Liaison Continent plan shall pay up to $25,000 (Age 70 and older, up to $5,000) subject to the chosen deductible and coinsurance, for covered expenses resulting from a sudden, unexpected recurrence of a pre-existing Condition while traveling outside the United States and Canada.
- This 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.
- Liaison Continent now includes new added benefit for:
- Terrorism Coverage Usual, Reasonable and Customary up to $50,000 Lifetime Maximum.
- Political Evacuation Up to $10,000.
- Natural Disaster Up to $200 per day for 5 days, for replacement accommodations if you are displaced due to a Natural Disaster.
Liaison Continent Insurance Plan
Liaison Continent Insurance Plan covers non-U.S. citizens visiting USA and American citizens traveling abroad, review plan benefit information, policy options, coverage details and purchase policy online.
|Quote / Buy Liaison Travel Medical Insurance Online
||Liaison Continent Insurance Quote
||Liaison Continent Insurance Brochure
|Coverage Period or Duration
||Up to 6 months
|Maximum Medical Benefit
||$50,000, $100,000, $500,000, or $1,000,000
|Emergency medical evacuation/ repatriation
||Up to $300,000 (in addition to the Medical Maximum)
|Accidental death & dismemberment (AD & D)
||Up to $50,000
|Waiver of Pre-Existing conditions
||Up to $20,000 (see plan exclusion in the Brochure)
|Travel Assistance Services
||Included and Available 24/7/365
|Available for purchase in all states
|Terrorism covered as any other accident or sickness
||Usual, Reasonable and Customary up to $50,000 Lifetime Maximum
|Coverage for Political Evacuation
||Up to $10,000
|24 Hour Worldwide Assistance service included
|Medical benefit maximum options
See 3 below
|Separate benefit for Emergency Evacuation
|Inpatient and Outpatient services covered
||Lloyd's of London
|Rating of Insurance Company at least A- or better
|Quote / Buy Liaison Travel Medical Insurance Online
||Buy Liaison Continent Insurance
Disclaimer: The information provided on this page is only a summary, be sure to read full brochure for complete details. Also this might change and always refer the plan brochure for the latest information on the plans.
Liaison Continent Visitor Insurance
Liaison Continent Insurance or Liaison Continent Travel Insurance or Liaison Continent Travel Medical Insurance provides protection to citizens of any nation when traveling outsider their home country. Liaison Continent Insurance is ideal for visitors to the United States as well as US residents undertaking international travel. Liaison Continent Travel Insurance is best suited for travelers while outside of their fixed and permanent residence for 12 months or less. Includes political evacuation. This plan has multiple co-insurance options and has a good superior rating and is one of the most trusted and respected policies.
Maximum medical coverage is $50,000; $100,000; $500,000; $1,000,000 (ages 80+, maximum limited to $15,000)
$0; $100; $250; $500; $1000; $2500 Deductible is per person per Policy Period, maximum of 3 Policy Period deductibles per family.
Inside the United States and Canada:
- Plan AAfter you pay the deductible, the program pays 80% of the next $2,500 of eligible expenses, then 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
- Plan BAfter you pay the deductible, the program pays 75% of eligible expenses to the selected Medical Maximum.
Outside the United States and Canada:
- Plan EAfter you pay the deductible, the program pays 100% to the selected Medical Maximum.
- Plan FAfter you pay the deductible, the program pays 80% of eligible expenses to the selected Medical Maximum.
- Liaison Continent provides coverage, for individuals and families (including unmarried dependent child(ren) over 14 days and under 19 years of age) while traveling outside of their Home Country.
- Hospital room & board charges
- Hospital intensive care unit charges
- Local Ambulance
- Accidental death & dismemberment
- Loss of checked luggage, trip interruption etc.,
Liaison Continent is underwritten by Certain Underwriters at Lloyds, London.
Buy - Online
Apply & purchase online Liaison Continent Insurance
Complete, mail/fax the Liaison Continent Insurance Brochure along with payment
Renew Liaison Continent Insurance Policy Online.
Claims can be filed for Liaison Continent Insurance Policy.
Preferred provider network information for Liaison Continent Insurance
Liaison Continent Travel Insurance provides protection to citizens of any nation when traveling away from home. Liaison Continent Insurance is a great travel medical insurance option for visitors to the United States and International travelers. Liaison Continent Visitor Insurance is ideal visitor medical insurance for tourists and parents visiting the United States. Liaison Continent Traveler Insurance is renewable and offers up to $1,000,000 in medical benefits for the coverage term period or duration.
Liaison Continent Insurance - Details
Liaison Continent Insurance Features
- 5 Days, renewable up to 6 months. Must purchase within 3 months of arrival in US
- Medical Maximum $50,000, $100,000, $500,000 and $1 Million ($15,000
for 80+yr. olds)
- Higher AD&D: $50K 24 hr. AD&D, $100K Common Carrier AD&D
- Pre-ex waiver for US citizens over 65 yrs. old $5,000
- Unique Co-Insurance Options
- Inside the US & Canada -Plan A-After the deductible, 80/20% Co-ins of 1st $2500, then 90/10% Co-ins of next $5,000, then 100% to Policy Max
- Inside US & Canada-Plan B, After the deductible- 75/25% Co-ins to the Policy Max
- Outside US & Canada-Plan E, After the deductible- 100% Co-ins to Policy Max
- Outside US & Canada-Plan F, After the deductible- 80/20% Co-ins to Policy Max
- No coverage for terrorism
Liaison Continent Insurance benefits
Liaison Continent Insurance provides coverage is for individuals and families
(including unmarried dependent children over 14 days and under 19 years of age)
while traveling outside of their home country. Home Country is defined as - The country where an insured
person(s) has his/her true, fixed and permanent home and principal establishment.
5 Days to 12 months of coverage for:
- Non-citizens visiting the United States.
- United States citizens travelling overseas.
Liaison Continent Insurance - Schedule of Coverage
All coverages and plan costs listed in this brochure are in U.S. dollar amounts
||$50,000; $100,000; $500,000; $1,000,000 (ages 80+, maximum limited to $15,000)
||$0; $100; $250; $500; $1000; $2500 Deductible is per person per Policy Period, maximum of 3 Policy Period deductibles per family. The selected Deductible and Coinsurance amount must be met for each 12-month Policy Period (see Continuing Coverage)
Inside the United States and Canada:
- Plan A After you pay the deductible, the program pays 80% of the next $2,500 of eligible expenses, then 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
- Plan B After you pay the deductible, the program pays 75% of eligible expenses to the selected Medical Maximum.
Outside the United States and Canada:
- Plan E After you pay the deductible, the program pays 100% to the selected Medical Maximum.
- Plan F After you pay the deductible, the program pays 80% of eligible expenses to the selected Medical Maximum.
||$150 / night (traveling outside the US and Canada) In addition to any other Covered Expense.
||$100 or ($500 for accidents) Only available to programs purchased for 1 month or more.
|Emergency Medical Evacuation / Repatriation:
||$300,000 (in addition to the Medical Maximum)
|Return of Mortal Remains:
|Return of Minor Child(ren):
|Interruption of Trip:
|Loss of Checked Luggage:
|Local Ambulance Expense:
|Accidental Death & Dismemberment:
|| $25,000 Principal Sum for Insured or Insured Spouse, $5,000 for Dependent Child.
|Hospital Room & Board:
||Usual, reasonable and customary to the selected Policy Maximum.
||Usual, reasonable and customary to the selected Policy Maximum.
|Outpatient Medical Expense:
||Usual, reasonable and customary to the selected Policy Maximum.
|Waiver of Pre-Existing Conditions:
||Up to $20,000 for U.S. citizens traveling outside the United States and Canada (refer to exclusion #1 for details)
Why International Medical Insurance?
Each year, millions of people travel outside of their Home Countries, beyond the boundaries of their medical Insurance. They are concerned with the potential out-of-pocket expenses that could result from an injury or sickness abroad. Liaison Continent Insurance offers medical coverage and emergency services to individuals and families traveling outside their Home Countries. This brochure is a brief description of Liaison Continent Insurance. For a full description, see the Program Summary, which will be mailed to you once you are approved for coverage.
Liason Continent provides coverage, as outlined in this brochure, for individuals and families (including unmarried dependent child(ren) over 14 days and under 19 years of age) while traveling outside of their Home Country. Home Country is defined as - The country where a covered person(s) has his/her true, fixed and permanent home and principal establishment.
Period of coverage
The minimum period of coverage under Liaison Continent Insurance is 5 days, maximum is 12 months (see Continuing Coverage section). Coverage can be purchased in a combination of monthly and/or daily periods by paying the appropriate plan cost. If you are traveling for a long period of time, please refer to "Continuing Coverage" section.
Your coverage will begin on the latest of the following: 1) The moment you depart your Home Country; or 2) The date and time the Application and full plan cost is received and accepted by Seven Corners; or 3) The date requested on the Application.
Coverage will end on the earlier of the following: 1) Your return to your Home Country (except as provided under the Home Country Coverage); or 2) The date shown on the ID Card, for which plan cost has been paid; 3) The date you are no longer eligible under this plan.
Description of coverage
When the Insured incurs a covered Injury or Illness, the program will pay Usual, Reasonable and Customary medical charges for Covered Expenses, excess of the chosen Deductible and Coinsurance, up to the selected Policy Maximum. Only such expenses, incurred as the result of a disablement, which are specifically enumerated in the following list of charges, are incurred within six months from the onset of an Injury or Illness, and which are not excluded in the Exclusions, shall be considered as Covered Expenses:
- Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service (and with the exception of personal services of a non-medical nature); charges made for an operating room.
- Charges made for Intensive Care or Coronary Care charges and nursing services.
- Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics.
- Charges made for Outpatient treatment, same as any other treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
- Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon.
- Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.
- Ground ambulance (within the metropolitian area) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area, then licensed ground ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
- Hotel room charge, when the Covered person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room due to unavailability of a Hospital room by reason of capacity or distance or any other circumstances beyond control of the Covered person.
- Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.
Dental - Emergency Only
The Emergency Dental Benefit is only available to programs purchased for 1 month or more. Treatment necessary to resolve acute, spontaneous and unexpected inception of pain to natural teeth ($100) or Dental treatment necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under the program ($500). This benefit is subject to the Deductible and Coinsurance.
Emergency Medical Evacuation / Repatriation
The Program will pay Covered Expenses incurred if any covered Injury or Illness commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person (the Insured Persons medical condition warrants immediate transportation from the medical facility where the Insured Person is located to the nearest adequate medical facility where medical treatment can be obtained). The benefit must be ordered by the Assistance Company in consultation with the Insured Persons local attending Physician. *
Return of Mortal Remains
The Program will pay the reasonable Covered Expenses incurred up to a maximum of $20,000 to return the Insured Persons remains to his/her Home Country, if he or she dies. *
Emergency Medical Reunion
When Emergency Medical Evacuation or Repatriation is ordered and the attending Physician recommends that a family member travel with the Insured, the program will arrange and pay, up to $10,000, for round trip economy-class transportation for one individual selected by the Insured Person, from the Insured Persons Home Country to the location where the Insured Person is hospitalized and return to the Home Country.*
Return of Minor Child(ren)
Should the Insured Person be traveling alone with a Minor Child(ren) and is hospitalized because of a covered Illness or Injury and the Minor Child(ren), under age 19, is left unattended, the program will arrange and pay up to $5,000 for one way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of the Minor Child(ren)). *
If you are hospitalized while traveling outside of the United States or Canada, and the hospitalization is considered a Covered Expense, the program will indemnify the Insured $100 for each night spent in the hospital (this benefit is in addition to any other covered expenses of the program).
Interruption of TripIf the Insured is unable to continue the Trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to the Insureds principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.). The program will reimburse the Insured(up to $5,000)for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence.*
Loss of Checked Luggage
If the Insureds checked luggage is permanently lost by the airline, the program will reimburse the Insured for the replacement of clothing and personal hygiene items lost to a maximum per bag limit of $50 (up to $250). This benefit is secondary to any other (including airline) coverage available. The Insured must furnish proof to the Company that full reimbursement has been obtained from the airline.*
Upon enrollment into Liaison Continent Insurance, you are eligible to use any of the assistance services provided by the Assistance Service Provider. Additional information is contained in the Program Summary.
- Open 24 hours/day, 365 days a year.
- Multilingual personnel.
- Physicians/Nurses on staff.
- Locate local facilities.
- Help with emergency situations.
Home Country Coverage
This benefit covers you for incidental trips to your Home Country (60 days per 12 months of purchased coverage or pro rata thereof - example: approximately 5 days per month). Maximum benefit is reduced to $50,000 while in your Home Country. Coverage will be limited to $5,000 for conditions first diagnosed outside Your Home Country (Does not apply for Emergency Evacuation or Repatriation).
* NOTE: In the event that an Emergency Medical Evacuation, Repatriation, Return of Mortal Remains, Emergency Reunion, Return of Minor Child(ren), Interruption of Trip, Loss of Checked Luggage benefit is needed or utilized, arrangements must be made by the Assistance Service Provider. Complete details about the benefits and about the required notification of the Assistance Service Provider are contained in the Program Summary.
For those who are intending longer international trips, an option is available to you. If you choose this option on the application and enroll in at least three (3) months, a notice will be sent to your address of correspondence, allowing you to purchase another period of coverage (minimum of 1 month, maximum of 12 months). If you purchase at least an additional three months, Seven Corners will continue to send notices to your address of correspondence. If you choose to purchase less than three months, Seven Corners will assume that your international trip is complete and will not send any further notices.
While a new period of coverage will be issued, your original effective date will be used with regards to calculating your deductible and coinsurance (for up to a total of 12 months, then both will begin again), as well as determining any pre-existing conditions. Since Seven Corners Benefit Period states that the program will pay up to a total of 6 months for any one eligible condition, you can be protected beyond your period of coverage.
The maximum period of time Seven Corners will offer this feature is three years (one year for persons age 70 and over). It is important to note that rates and benefits may change for each subsequent period of coverage. A $5.00 Administrative Fee will be included on each notice. This option is not available if you allow coverage to expire prior to reapplying. If this happens, an entirely new program must be purchased (preexisting condition begins again).
Continuing Coverage is available in periods as short as 5 days at a time when purchased using Seven Corners online system.
Hazardous Sport Coverage
To cover motorcycle / motor scooter riding, mountaineering (4500 meter limit), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, and snow boarding.
Prenotification / Referral
In order to ensure your claims are addressed as efficiently as possible, the Insured or the provider of service must contact the Assistance Company for prenotification prior to: any medical treatment in the US as well as hospital admissions and inpatient / outpatient surgeries incurred worldwide. The Assistance Company has trained personnel available 24 hours a day, 7 days a week throughout the year to answer your questions, provide assistance, and guide you to an appropriate facility if necessary. In the case of an Emergency Admission, the Assistance Company must be contacted within 48 hours, or as soon as reasonably possible. Prenotification does not guarantee that benefits will be paid. Failure to prenotify will result in a 20% reduction in Eligible Benefits.
Please be aware that this is not a general health Insurance policy, but an interim, limited benefit period, travel medical program intended for use while away from your Home Country. Liaison Continent Insurance does not guarantee payment to a facility or individual for medical expenses until Seven Corners determines that it is an eligible expense.
Seven Corners realizes that there is uncertainty in international travel. 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.
Filing a claim with Seven Corners is easy. You will receive a Liaison Continent identification card and claim form after your application has been processed. When you receive treatment, send the original, itemized bills to Seven Corners within ninety (90) days. Eligible bills are automatically converted from local currencies to U.S. dollars. For payments of eligible medical expenses, notify Seven Corners of pending treatments and we can refer you to approved healthcare providers worldwide. You are only responsible for your deductible, coinsurance and non-eligible expenses. For more details, consult the Program Summary that is provided with your Insurance kit, or contact the Seven Corners Claim Department.
Liaison Continent Insurance - Exclusions
For Medical benefits, this Insurance does not cover:
* Options are available to include all or part of these risks.
- Any Injury or Illness which meets the following criteria: a) condition(s) that would have caused a person to seek medical advise, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; 2) condition(s) for which manifestation, medical advise, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy. For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months. If the Insured Person is a United States citizen, this exclusion is waived for the first $15,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $2500). 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 program.
- Charges for treatment which exceed Reasonable and Customary charges; or Charges incurred for Surgeries or treatments which are Investigational, Experimental, or for research purposes; expenses which are non-medical in nature; expenses for Vocational, Speech, Recreational or Music Therapy.
- Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician.
- Suicide or any attempt there at, while sane or self destruction or any attempt there at, while insane; intentionally self-inflicted Injury or Illness; or expenses as a result or in connection with the commission of a felony offense.
- Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.
- Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics.
- Routine physicals, innoculations, or other examinations where there are no objective indications or impairment in normal health.
- Treatment of the Temporomandibular joint.
- Services or supplies performed or provided by a Relative of the Insured Person, or anyone who lives with the Insured Person.
- Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids, cosmetic or plastic Surgery (including deviated nasal septum), routine dental expenses, eye care or eye related expenses, unless caused by Accidental bodily Injury incurred while insured hereunder.
- Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent; any Mental and Nervous disorders or rest cures; Injury sustained while under the influence of or Disablement due to wholly or partly to the effects of intoxicating liquor or drugs.
- Congenital abnormalities and conditions arising out of or resulting therefrom.
- Expenses incurred during a hospital emergency room visit which is not of an emergency nature.
- Injury sustained while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, snowmobiling, motorcycle / motor scooter riding, scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, snow skiing and snow boarding. (Please see Optional Hazardous Sports Coverage to include some of these sports.)
- Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either:
- utilizing harnesses, ropes, crampons or ice axes; or
- ascending 4500 meters or above.
- Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute.
- Treatment paid for or furnished under any other individual, government, or group policy or charges provided at no cost to the Insured Person.
- Treatment of venereal or sexually transmitted disease.
- Pregnancy expenses or Illness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Accident.
- Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth.
- Expenses incurred while the Insured Person is in their Home Country (except after approved Emergency Evacuation/Repatriation or if treatment is a follow-up to a covered disablement during coverage or if the expenses pertain to the Home Country Coverage benefit).
- Expenses incurred for which travel was undertaken to seek medical treatment for a condition; or incurred after the Insured Persons physician has limited or restricted travel.