Liaison Continent B Insurance

  • Comprehensive benefits plan
  • For visitors traveling outside home country (U.S.A. included)
  • In Network & Out of Network: After deductible, Plan pays 75% to policy maximum
  • Cancelable and Renewable
  • $50,000 to $150,000 (depending on Policy Maximum) for acute onset of pre-existing conditions for age under 70 years
  • Coverage is provided outside of home country including during travel
  • Deductible and Policy Maximum are per policy period per person
  • Must be purchased and effective with in 3 months of arrival to USA
  • Coverage is available from 5 days to 187 days for ages 14 days to 100 years
  • Multi Plan PPO Network
  • Not available if correspondence address in Kentucky(KY), Maryland(MD) & Washington(WA)
  • Administrator: Seven Corners
    Underwriter: Lloyd’s of London
  • Other Benefits:  • Accidental Death & Dismemberment  •Common Carrier Accidental Death  •Dental Emergency  •Emergency Medical Evacuation/Repatriation  •Emergency Reunion  •Interruption of Trip  •Local Ambulance Expense  •Loss of Checked Luggage  •Natural Disaster  •Return of Mortal Remains  •Terrorism
  • Optional Riders:  • Hazardous Sport Coverage

Benefits

All coverages and plan costs listed in this Evidence of Benefits are in U.S. Dollar amounts.
BenefitCoverage
Medical Maximums$50,000; $100,000; $500,000; $1,000,000 Medical Maximum is per person per Period of Coverage.
Insureds age 70 to 79 traveling inside the United States are limited to a $50,000 medical maximum. Insureds age 80 years and older traveling inside the United States are limited to a $15,000 medical maximum per person per Period of Coverage.
Insureds age 70 to 79 traveling outside the United States are limited up to a $100,000 medical maximum. Insureds age 80 years and older traveling outside the United States are limited to a $15,000 medical maximum per person per Period of Coverage.
Deductible$0, $100, $250, $500, $1,000, $2,500. Deductible is per person per Period of Coverage. The selected Deductible and Coinsurance amount must be met for each one hundred and eighty-seven (187) day period.
Maximum of 3 Policy Period Deductibles per family.
CoinsuranceCoinsurance is per person per Period of Coverage.
Inside the United States:
Plan A: After You pay the deductible, the program pays 80% 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:
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.
Hospital Indemnity$150 per night, to a maximum of 30 days per person per Occurrence.
(Applicable to Individuals traveling outside the U.S. and Canada only)
Dental Emergency Treatment (Sudden Relief of Pain)$100 (only available to programs purchased for 1 month or more) per person per Period of Coverage.
Dental Emergency Treatment (Accident Coverage)$500 (only available to programs purchased for 1 month or more) per person per Period of Coverage.
Emergency Medical Evacuation/Repatriation$300,000 (in addition to the Medical Maximum) per person per Period of Coverage.
Return of Mortal Remains$50,000 per person per Period of Coverage.
Political Evacuation$10,000 per person per Period of Coverage.
TerrorismUsual, Reasonable and Customary to $50,000 per person per Period of Coverage.
Return of Minor Child(ren)$50,000 per person per Period of Coverage.
Emergency Reunion$50,000 per person per Period of Coverage.
Local Ambulance Benefit$5,000 per person per Period of Coverage.
Accidental Death & Dismemberment (AD&D) Note: In the event of a Common Carrier Accidental Death, this benefit will not be paid.$50,000 principal sum for Insured or Insured Spouse. $5,000 principal sum for Dependent Child(ren)
Common Carrier Accidental Death$100,000 principal sum for Insured or Insured Spouse.
$25,000 principal sum for Dependent Child(ren)
Aggregate limit of $250,000 per family
Loss of Checked Luggage$250 per person per Occurrence.
Interruption of Trip$5,000 per person per Period of Coverage.
Home Country CoverageIncidental Trips to The Home Country: Up to $50,000 per person per Period of Coverage.
Follow Me Home Coverage: Up to $5,000 per person per Period of Coverage.
Hospital Room & BoardUsual, Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage.
Intensive CareUsual, Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage.
Outpatient Medical ExpensesUsual, Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage.
Waiver of Pre-existing Condition(s)Up to $25,000 for U.S. citizens under age 70, traveling outside the United States and Canada (refer to exclusion #1 for details) (Age 70+, up to $5,000) per Period of Coverage.
Acute Onset of Pre-existing Condition(s)For non-U.S. citizens under age 70 traveling in the U.S. (Age 70+, no benefit) per person per Period of Coverage. Benefit level varies with selected Medical Maximum (above) as follows:
Medical MaximumAcute Onset Medical Maximum
$50,000 $50,000
$100,000 $100,000
$500,000 $125,000
$1,000,000 $150,000
$25,000 Maximum per person per Period of Coverage for Emergency Medical Evacuation applies to all Acute Onset Medical Maximum levels.
Natural Disaster BenefitUp to $200 per day for five (5) days per person per Period of Coverage.
Benefit Period180 Days
MEDICAL EXPENSE BENEFITS
Covered Expenses
Only such expenses, incurred as the result of and within one hundred and eighty days (180) days from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses:
1. 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 non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations; charges made for an operating room.
2. Charges made for Intensive Care or Coronary Care charges and nursing services.
3. Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics.
4. 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.
5. 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.
6. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.
7. Ground ambulance (within the metropolitan area, up to a $ 5,000 maximum) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area and unreachable by ground ambulance, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
8. Hotel room charge, when the Insured Person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room owing to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of the Insured Person.
9. Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.
10. Charges for Home Health Care up to a $2,500 Maximum per Policy Period.
11. Charges for care in a licensed Extended Care Facility as defined herein, upon direct transfer from an acute care Hospital.
The charges enumerated herein shall in no event include any amount of such charges which are in excess of Reasonable and Customary charges. If the charge incurred is in excess of such average charge, such excess amount shall not be recognized as a Covered Expense. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained.