Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's
All benefits listed in this Schedule of Benefits are in United States Dollar (USD) amounts. All medical and dental benefits are subject to deductible or copay and coinsurance. All benefits are per person per disablement (injury or illness).
| Coverage Length |
5 days to 364 days Renewable as long as primary participant is eligible. |
| Coverage Area | Worldwide including & excluding the U.S. |
| Lifetime Medical Maximum | $5,000,000 |
|
Medical Maximum Options (per person per disablement) |
Ages 14 days to 64: $50,000; $100,000; $250,000; $500,000; $1,000,000 |
| Deductible Options (You pay) (per person per disablement) | $0, $50, $100, $250, $500, $1,000 |
| Student Health Centers (You pay) |
$5 copay per visit; (not subject to deductible) |
| Coinsurance Options Outside the United States | The plan pays 100% to the medical maximum. |
| Coinsurance Options Inside the United States (The plan pays) |
IN PPO NETWORK We pay 100% to the medical maximum. OUT OF PPO NETWORK We pay 90% of the first $5,000, then 100% to the medical maximum. |
|
MEDICAL Inside the United States failure to get pre-certification for treatment will result in a 25% penalty; penalty does not apply to emergencies. |
|
| Hospital Room & Board, Inpatient Hospital Services, Outpatient Hospital/Clinic Services, Emergency Room, Doctor's Office Visits | Usual, Reasonable and Customary to the medical maximum. |
| Prescription Drugs |
INSIDE THE UNITED STATES $0 copay (not subject to the deductible) OUTSIDE OF THE UNITED STATES $0 copay ((deductible applies) |
| Vaccinations (in the U.S. only as required by school, university or visa program) | $200 per 364 days of continuous coverage |
| Physical Therapy | $75 per day to a max of 60 days |
| Spinal Manipulation |
$75 per day to a max of 60 days (if prescribed by a physician for pain relief) |
| Local Ambulance Benefit |
INSIDE THE UNITED STATES $750 per disablement (injury/illness) OUTSIDE OF THE UNITED STATES Up to medical maximum |
| Coma Benefit |
$50,000 (separate from the medical maximum) |
| Extension of Benefits to Home Country | $10,000 |
| Incidental Trips to Home Country (for minimum purchases of 30 days) | $10,000 |
| Waiver of Pre-existing Conditions | After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement. |
| Acute Onset of a Pre-existing Condition (during the initial 364 days of coverage) | Medical covered expenses up to $25,000 |
| Mental Illness including Alcohol & Substance Abuse |
INPATIENT: $20,000 (45 days max) OUTPATIENT: $2,000 |
| Motor Vehicle Accident |
INSIDE THE UNITED STATES 100% up to $100,000 OUTSIDE THE UNITED STATES Up to medical maximum |
| Non-contact Amateur Sports | $10,000 |
| Maternity Care For a pregnancy to be covered, conception must occur 180 days after coverage begins. |
INSIDE THE UNITED STATES IN PPO NETWORK: 80% up to $25,000 OUT OF PPO NETWORK: 60% up to $25,000 OUTSIDE THE UNITED STATES 100% up to $25,000 Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy. |
| Routine Newborn Care | $750 per newborn child |
| DENTAL | |
| Dental - Sudden Relief of Pain (for minimum purchases of 30 days) | $350 |
| Dental - Accident | $2,500 |
| EMERGENCY SERVICES AND ASSISTANCE | |
| Emergency Medical Evacuation & Repatriation |
$750,000 (separate from the medical maximum) |
| Emergency Medical Reunion | Up to $200 per day/$50,0000 maximum |
| Return of Child(ren) | $50,000 |
| Return of Mortal Remains | $50,000 |
| Local Burial/Cremation | $5,000 |
| Natural Disaster Evacuation | $10,000 |
| Natural Disaster Daily Benefit | $75 per day, 5-day limit |
| Political Evacuation & Repatriation | $10,000 |
| Felonious Assault |
$20,000 (separate from the medical maximum) |
| Terrorism | $100,000 |
| 24/7 Travel Assistance Services | Included |
| AD&D | |
| Accidental Death and Dismemberment (AD&D) |
$25,000 for primary participant; $10,000 for plan participant spouse; $5,000 for plan participant child; Aggregate limit of $250,000 for total number of insureds on plan |
| Personal liability | $100,000 |
| OPTIONAL COVERAGE | |
| Hazardous Activities | Up to medical maximum |
Lifetime Medical Maximum - This is the medical maximum for the length of time you have coverage, including all extensions of coverage that you buy. It is the overall limit for all disablements (injuries and illnesses) that occur while you are covered.
Medical Maximum Options - You select the dollar amount for this limit. It is the limit for each injury or illness (disablement) that occurs during your period of coverage. Benefits are paid up to the medical maximum after you pay your deductible and coinsurance or copay. The initial treatment of an injury or illness must occur within 30 days of the date of injury or onset of illness.
Deductible - Your deductible is applied per injury or illness (disablement).
Disablement - This is an illness or injury and includes all bodily disorders due to the same or related causes.
Extension of Benefits to Home Country – Covers expenses incurred in your home country for conditions first diagnosed and treated outside your home country. You earn covered days at approximately 5 days per month of purchased coverage up to 60 days per 364 days of purchased coverage.
Incidental Trips to Home Country – Covers an illness or injury which occurs on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month of purchased coverage up to 60 days per 364 days of purchased coverage.
Maternity - This benefit amount varies considerably by plan. Pregnancies are not covered unless conception occurs at least 180 days after the effective date of coverage. Also, there is a 25% reduction in benefits if you do not notify Seven Corners within 90 days of the pregnancy.
Newborn - Newborns who are born in the United States as a result of a covered pregnancy on Liaison Student are automatically covered by the plan for the first 30 days of life. You need to add them to the plan no later than the 31st day of life.
Emergency Medical Evacuation & Repatriation*
If medically necessary, we will:
1. Transport you to adequate medical facilities.
2. Transport you home after receiving medical treatment related to a medical evacuation.
Emergency Medical Reunion* – If you require an emergency medical evacuation, we will send one person of your choice to be at your side while you are hospitalized.
Return of Children* – If you are traveling alone with children and are hospitalized because of a covered illness or injury, we will transport the children home with an escort.
Return of Mortal Remains* – We will return your remains to your home country if you die while outside your home country during the period of coverage. If you choose this benefit you do not receive the Local Cremation or Burial benefit.
Local Cremation or Burial* – We will pay for the reasonable expenses for your local burial or cremation if you die while outside your home country during the period of coverage. If you choose this benefit you do not receive the Return of Mortal Remains benefit.
Natural Disaster Evacuation & Repatriation* – If you need an emergency evacuation due to a natural disaster, we will arrange and pay for evacuation from a safe departure point to the nearest safe location. Seven Corners security personnel will determine the need for this evacuation in consultation with local governments and security analysts. We will also arrange and pay for lodging if you are delayed at the safe location and arrange and pay for one-way economy airfare to return you to your home country following evacuation.
Natural Disaster Daily Benefit – We will pay for replacement accommodations if you are displaced from planned, paid accommodations due to a natural disaster. You must provide proof of payment for the accommodations from which you were displaced.
Political Evacuation & Repatriation*– We will arrange and pay for expenses for your political evacuation and/or return you to your home country via one-way economy airfare. This benefit will not apply if you did not follow a Level 3 Civil Unrest or any Level 4 Travel Advisory issued by the U.S. State Department or similar warnings from other authorities of your host country or your home country.
Coma Benefit – Pays benefits if you become comatose due to an accident.
Felonious Assault – Pays benefits if you are injured as the result of a felonious assault while traveling.
Terrorism – If you are injured as a result of terrorist activity, we will provide benefits if the following conditions are met:
1. You have no direct or indirect involvement.
2. The terrorist activity is not in a country or location where the United States government issued a Level 3 Terrorism, Level 3 Civil Unrest or any Level 4 Travel Advisory or similar warnings from your host country or home country within 6 months prior to your date of arrival.
3. You have not failed to depart a country or location following the date a warning is issued by the U.S. government or appropriate authorities of your host country or home country.
Accidental Death & Dismemberment (AD&D) – Pays benefits for death or loss of limbs due to an accident occurring while on your trip.
Personal Liability – We will pay for eligible court-entered judgments or settlements approved by Seven Corners that are related to the personal liability you incur for acts, omissions, and other occurrences for losses or damages caused by your negligent acts or omissions that result in: 1) injury to a third person; 2) damage or loss to a third person’s personal property; 3) damage or loss to a related third person’s personal property.
Optional Coverage – Hazardous Activities
If you plan to participate in adventurous activities while you are covered by a Liaison Student plan, you must buy this optional coverage to be protected for these activities: bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; Parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided You are SSI, PADI orNAUI certified; snowmobiling; spelunking; surfing; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the area where you are located in your host country.
Benefit Period – This is the amount of time you have from the date of your injury or illness to receive treatment, and it corresponds with your period of coverage. After your coverage ends on your expiration date, you can no longer receive treatment. Remember, you must seek initial treatment of an injury or illness within 30 days of the date of injury or onset of illness.
*Seven Corners Assist arranges these benefits: Emergency Medical Evacuation & Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, Local Burial/Cremation, Natural Disaster Evacuation & Repatriation, and Political Evacuation & Repatriation. Failure to use Seven Corners Assist will result in the denial of benefits.
Mental Illness Including Alcohol & Substance Abuse
Medical expenses for inpatient and outpatient treatment of mental illness, alcohol, and substance abuse expenses are covered as shown in the schedule. For all plan options, inpatient treatment is limited to 45 days.
Non-contact Amateur Sports
Medical expenses are covered as shown in the schedule if you are injured while participating in a non-contact amateur sport. These sports include: high school, interscholastic, intercollegiate, intramural or club sports exclusive to the following list of covered sports: tennis, squash, ultimate frisbee, kickball, volleyball, track & field, water-polo, baseball, basketball, aerobics, dancing, sailing, sea kayaking/canoeing, horseback riding, surfing, snow skiing, snowboarding, roller skating, rollerblading and swimming.