2018 Liaison Student Series Updates
May 16, 2018
Our newly designed international student insurance plans are ready for study abroad season! With options to fit any budget and coverage needs and an expanded market, the Liaison Student plans are a great choice for your customers.
On June 19, we will launch our newly updated student plans! You’ll find the benefits are simplified but robust, and rates are competitive in the market. We have also broadened the market by adding third country travel!
What do you need to know about the new Liaison® Student insurance plans?
Plan options include three good, better, and best options:
- Liaison® Student Economy – This is closely aligned with the former Student Express.
- Liaison® Student Choice – This is a new plan option with benefits that fall in between Economy and Elite.
- Liaison® Student Elite – This follows Liaison Student in design.
Rates - We have designed the rates to be more competitive in the market.
Length of Coverage
– All three plans allow customers to buy up to 364 days, and they can renew as long as they remain eligible for the plan.
– You can sell all three plans. There is one link and one purchase engine which provides a variety of options and prices for consumers. No going back and forth between plans to compare benefits and pricing.
– On June 19, we will redirect your existing Liaison Student and Student Express links to the Liaison Student family page, which will display all three plan options in a comparison chart. We encourage you to visit the agent portal to place the new links on your site, so the product name is accurate on your site.
Available in Spanish
– All three Liaison Student plans will be available in Spanish. If your browser is set to Spanish, the web pages and quote form will display in Spanish.
We now cover 3rd country travel! For example, a Brazilian traveling to France can purchase any of the plans. There are three types of travelers who can buy:
- U.S. citizens traveling outside the U.S;
- Non-U.S. citizens traveling outside the United States;
- Non-U.S. citizens traveling to the United States.
U.S. citizens living abroad cannot buy a Liaison Student plan for travel to the United States.
A spouse and child of a student, faculty member or scholar can be covered by all three plan options, if the student, faculty member or scholar is also covered on the plan and listed as the primary insured.
J Visa – The new plans provide options that meet the J visa requirements if the customer chooses a medical maximum of $100,000 and a deductible less than $500.
OPT – Optional Practical Training (OPT) students and their spouse and dependents are covered for full-time and part-time participation in an OPT program.
Maternity – This benefit is provided on all three plans with varying levels of coverage. There is a 180-day waiting period before maternity is covered. In addition, insureds must notify Seven Corners within 90 days of conception or there is a 25% penalty.
Pre-certification – This applies to inbound travelers only (travelers in the United States).
Waiting Period Changes – All three plans now offer a waiting period that is acceptable to most universities and colleges. It is 364 days for all three plans. After 364 days of continuous coverage, pre-existing conditions are covered the same as any other condition.
Acute Onset of a Pre-existing Condition - During the waiting period, the plan also provides coverage for an acute onset of a pre-existing condition.
Hazardous Activity Coverage – In addition to intercollegiate, interscholastic, intramural, and club sports, all three plans offer optional coverage for hazardous activities.
One Brochure – The brochure will be available to the general public on June 19. There will be a Spanish and English version of the brochure. Please note – we will not accept paper applications after June 19, the day of the launch.
New Discount Card - WellCard™ will provide discounts for dental, vision, hearing, and prescriptions.
New Coinsurance PPO Network Options in the USA – Using the PPO network will reduce your clients’ out-of-pocket cost.
- Liaison Student Economy – In network: 80% of the first $5,000 then 100%;
Out of network: 70% of the first $5,000, then 100%.
- Liaison Student Choice – In network: 90% of the first $5,000 then 100%;
Out of network: 80% of the first $5,000 then 100%.
- Liaison Student Elite – In network: 100%;
Out of network: 90% of the first $5,000 then 100%.
– A retail census option will be available shortly after the launch, and we will email you the link for it. We will also post the link on the product page when it is available. We will no longer accept paper applications.
Geographic Restrictions – These will not change. Here are the geographic restrictions for the student plans:
State Restrictions: We cannot accept an address in Maryland, Washington, New York, South Dakota, and Colorado.
Country Restrictions: We cannot accept an address in Canada, Australia, Switzerland, Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana,
Nigeria, and Sierra Leone.
Destination Restrictions: We cannot cover travel to Islamic Republic of Iran and Syrian Arab Republic.
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