medical insurance that covers you outside your home country        

 

schedule of coverage

All coverages and plan costs listed in this brochure are in U.S. Dollar amounts. medical maximum: $50,000; $100,000; $500,000; $1,000,000 (ages 80+, maximum limited to $15,000) per period of coverage

deductible: $0; $100; $250; $500; $1000; $2500 per person per period of coverage.
There is a maximum of 3 deductibles per family per period of coverage. The selected deductible and coinsurance amount must be met for each 187 day period.

coinsurance:
Traveling outside the United States After you pay the deductible, the plan pays 100% to the selected medical maximum.

Traveling to the United States
option 1: After you pay the deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected medical maximum
option 2: After you pay the deductible, the plan pays 100% of the next $2,500 of eligible expenses, then 80% to the selected medical maximum

hospital indemnity: $150 per night, up to a maximum of 30 days, per occurrence

dental (sudden relief of pain): $100 per period of coverage

dental (accident coverage): $500 per period of coverage

emergency medical evacuation/repatriation: $300,000 (in addition to the medical maximum) per period of coverage

home country coverage: Incidental Trips to the Home Country: Up to $50,000 per period of coverage; Extension of Benefits: Up to $5,000 per period of coverage return of mortal remains: $50,000 per period of coverage

emergency reunion: $50,000 per period of coverage

return of minor child(ren): $50,000 per period of coverage

interruption of trip: $5,000 per period of coverage

loss of checked luggage: $250 per occurrence

local ambulance expense: $5,000 per period of coverage

accidental death & dismemberment (ad&d): $25,000 principal sum for insured or insured spouse, $5,000 per dependent child Note: In the event of a Common Carrier Accidental Death, this benefit will not be paid.

common carrier accidental death: $50,000 principal sum for insured or insured spouse; $10,000 per dependent child; $250,000 maximum per family

hospital room & board: Usual, reasonable and customary to the selected medical maximum

intensive care: Usual, reasonable and customary to the selected medical maximum

outpatient medical expenses: Usual, reasonable and customary to the selected medical maximum

terrorism: Usual, reasonable and customary to the selected medical maximum

unexpected recurrence of a pre-existing condition: $20,000 per period of coverage for U.S. citizens under age 70 traveling outside the United States and Canada (Age 70+, up to $5, 000)

acute onset of a pre-existing condition: $15,000 per period of coverage for non-U.S. citizens under age 70 traveling to the United States (Age 70+, no benefit).

benefit period: 180 days

who can buy liaison international?

Pre-existing conditions are not covered except as an unexpected recurrence or an acute onset. A pre-existing condition is defined as any injury or illness meeting the following criteria:

1) a condition that would have caused you to seek medical advice, diagnosis, care,or treatment during the 36* months prior to your coverage; or

2) a condition for which manifestation, medical advice, diagnosis, care, or treatment was recommended, received, or noticed during the 36* months prior to your coverage.
*For members traveling outside the U.S. & Canada, the period is 12 months instead of 36 months.

unexpected recurrence of a pre-existing condition   

U.S. Citizens traveling outside the United States
We pay up to $20,000 (age 70 and older, up to $5,000) for expenses due to a sudden, unexpected recurrence of a pre-existing condition for
U.S. citizens while traveling outside the U.S. and Canada. This benefit does not cover known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to your period of coverage.

acute onset of a pre-existing condition
Non U.S. Citizens traveling to the United States

If you are under age 70, you are covered for an acute onset of a preexisting condition as defined below. Coverage is available up to $15,000 for medical expenses and $25,000 for an emergency medical evacuation. The acute onset of the pre-existing condition must occur during your period of coverage. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time is not covered. Also, this benefit does not cover known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to your coverage.

optional coverage - hazardous sports

If you are planning to include a little adventure in your travels, you may purchase coverage for these activities: motorcycle/ motor scooter riding (whether as a driver or passenger), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, snowboarding, snorkeling and spelunking. 

INSURANCE CARRIER

Underwritten by United States Fire Insurance Company
(States not underwritten by United States Fire Insurance Company are
underwritten by Certain Underwriters at Lloyd’s of London. Please contact
Seven Corners for a listing of these states.)

This brochure is intended as a brief summary of benefits and services, it is
not your policy. If there is any difference between this brochure and your
policy, the provisions of the policy will prevail. Benefits and premiums are
subject to change.
©1998 – 2013 by Seven Corners, Inc.
Liaison® is a registered trademark of Seven Corners, Inc.
Seven Corners® is a registered trademark of Seven Corners, Inc.

NOTE FROM ROCO: This is a brief description of the policy. To see the entire brochure please locate it at the top of this page. If you have any questions please contact us directly.

 

v.03.12.2013