Compare Liaison Student Medical Insurance Benefits
All benefits and student insurance plan costs are shown in United States dollar amounts. All medical and dental benefits are subject to deductible and/or copay and coinsurance. Unless otherwise stated, all benefits are per person, per disablement
(illness or injury), and they are provided up to the amount shown.
If you have a J visa, you need a plan that meets J visa insurance requirements. Good news! All of our student plans meet J visa requirements if you choose a medical maximum of $100,000 or more and a deductible that is not greater
than $500.
PLAN OPTIONS
Coverage Length
Extension of Coverage
As long as the Primary Insured continues to meet eligibility requirements.
As long as the Primary Insured continues to meet eligibility requirements.
As long as the Primary Insured continues to meet eligibility requirements.
Coverage Area
Worldwide including the United States
Worldwide excluding the United States
Worldwide including the United States
Worldwide excluding the United States
Worldwide including the United States
Worldwide excluding the United States
Lifetime Plan Maximum
This is the amount payable per insured person for the total 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).
Medical Maximum Options
(per person per disablement)
Ages 14 days to 59 years:
$50,000; $100,000; $250,000; $500,000
60 to 64 years old: $50,000; $100,000; $250,000
Ages 14 days to 59 years:
$50,000; $100,000; $250,000; $500,000; $1,000,000
60 to 64 years old:$50,000; $100,000; $250,000
Ages 14 days to 59 years:
$50,000; $100,000; $250,000; $500,000; $1,000,000
60 to 64 years old: $50,000; $100,000; $250,000
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, copays, and
coinsurance. Disablement is an illness or injury and includes all bodily disorders due to the same or related causes.
The initial treatment of an
injury or illness must occur within 30 days of the date of injury or onset of illness.
Deductible Options
(You pay)
(per person per disablement)
Ages 14 days to 64 years old:
$50; $100; $250
60 to 64 years old: $100; $250
Ages 14 days to 64 years old:
$0; $50; $100; $250
60 to 64 years old: $100; $250
Ages 14 days to 64 years old:
$0; $50; $100; $250
60 to 64 years old: $100; $250
Your deductible is applied per injury or illness (disablement). Disablement is an illness or injury and includes all bodily disorders due to the same or related causes.
Coinsurance Options
(The plan pays)
Inside the United States
In PPO Network
We pay 80% of the first $5,000,
then 100% to the medical maximum.
Out of PPO Network
We pay 70% of the first $5,000,
then 100% to the medical maximum.
In PPO Network
We pay 90% of the first $5,000,
then 100% to the medical maximum.
Out of PPO Network
We pay 80% of the first $5,000,
then 100% to the medical maximum.
In PPO Network
We pay 100%.
Out of PPO Network
We pay 90% of the first $5,000,
then 100% to the medical maximum.
Coinsurance Options
(The plan pays)
Outside the United States
MEDICAL
Hospital Room & Board, Inpatient Hospital Services,
Outpatient Hospital / Clinical
Services, Student Health
Center Visits
Usual, Reasonable and Customary (URC) up to medical maximum
URC up to medical maximum
URC up to medical maximum
URC means Usual, Reasonable, and Customary. It is the maximum amount we will pay for covered expenses based on several factors. See the definition in the plan document for more details.
Emergency Room Services
URC up to medical maximum
$100 copay
URC up to medical maximum
$50 copay
URC up to medical maximum
$25 copay
Copay is a stated amount you pay for a service in addition to your deductible.
Doctor’s Office Visits
URC up to medical maximum
$15 copay
URC up to medical maximum
$10 copay
URC up to medical maximum
$5 copay
Copay is a stated amount you pay for a service in addition to your deductible.
Urgent Care Visits
URC up to medical maximum
$30 copay
URC up to medical maximum
$20 copay
URC up to medical maximum
$10 copay
Copay is a stated amount you pay for a service in addition to your deductible.
Prescription Drugs
URC up to medical maximum
$15 copay
URC up to medical maximum
$10 copay
URC up to medical maximum
Copay is a stated amount you pay for a service in addition to your deductible.
Vaccinations
$150 per 364 days of continuous coverage
$200 per 364 days of continuous coverage
Physiotherapy
$25 per visit, 60 visits maximum
$50 per visit, 60 visits maximum
$75 per visit, 60 visits maximum
Spinal Manipulation
$25 per visit, 60 visits maximum
$50 per visit, 60 visits maximum
$75 per visit, 60 visits maximum
Local Ambulance Benefit
Inside the United States
Local Ambulance Benefit
Outside the United States
Coma
$10,000
(separate from medical maximum)
$25,000
(separate from medical maximum)
$50,000
(separate from medical maximum)
This coverage can pay benefits if you become comatose due to an accident.
Felonious Assault
$10,000
(separate from medical maximum)
$15,000
(separate from medical maximum)
$20,000
(separate from medical maximum)
This can pay expenses if you are hurt due to a felonious assault while traveling.
Pre-certification 25% penalty — Required inside the United States for specific types of treatment. Penalty does not apply to emergencies.
The following expenses must always be pre-certified in the United States:
- Outpatient surgeries or procedures;
- Inpatient surgeries, procedures, or stays including those for rehabilitation:
- Diagnostic procedures including MRI, MRA, CT, and PET Scans;
- Chemotherapy;
- Radiation therapy;
- 6. Physiotherapy; or
- Home infusion therapy.
To comply with the pre-certification requirements, you must:
- Contact Seven Corners Assist before the expense is incurred;
- Comply with Seven Corners Assist’s instructions;
- Notify all medical providers. of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your services, we will review them to determine if they are covered by the plan.
If you do not comply with the pre-certification requirements or if the services are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:
- Eligible medical expenses will be reduced by 25%; and
- The deductible will be subtracted from the remaining amount; and
- Coinsurance will be applied.
Pre-certification does not guarantee coverage, payment, or reimbursement.
Contact information for Seven Corners Assist is provided on your ID card.
Extension of Benefits to Home Country
This can cover expenses incurred in your home country (including those following an emergency medical evacuation or repatriation), for conditions first diagnosed and treated outside your home country if you seek treatment within your
benefit period. You receive approximately five days of coverage for each month of coverage purchased, up to 60 days per 364 days of coverage. There is no coverage for pre-existing conditions, and there is no coverage if the
illness or injury began while you were in your home country.
Incidental Trips to Home Country
This can cover an illness or injury that occurs on an incidental trip to your home country. You receive approximately five days of coverage for each month of coverage purchased, up to 60 days per 364 days of coverage. There is no coverage: 1) If the illness or injury occurred while you were outside your home country or 2) For pre-existing conditions. Coverage is available if your period of coverage is
greater than 30 days.
Waiver of Pre-existing Conditions
URC up to medical maximum
After initial 364 days of coverage
URC up to medical maximum
After initial 180 days of coverage
Liaison Student Choice — After you have been continuously covered for 364 days, we waive the pre-existing condition exclusion so that pre-existing conditions are covered the same as other conditions subject to
applicable copay, deductible, and coinsurance.
Liaison Student Elite — After you have been continuously covered for 180 days, we waive the pre-existing condition exclusion so that pre-existing conditions are covered the same as other conditions subject to
applicable copay, deductible, and coinsurance.
Acute Onset of Pre-existing Conditions
$5,000
During initial 364 days of coverage
$10,000
During initial 364 days of coverage
$25,000
During initial 180 days of coverage
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition:
- That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
- That occurs during your initial 364 days of coverage (Liaison Student Basic and Choice) or during your initial 180 days of coverage (Liaison Student Elite); and
- For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
See the Pre-Existing Conditions tab of this web page to learn more.
Mental Illness including Alcohol and Substance Abuse
Inpatient
$5,000, 45-day limit
Outpatient
80% up to $500
Inpatient
$10,000, 45-day limit
Outpatient
80% up to $1,000
Inpatient
$20,000, 45-day limit
Outpatient
$2,000
Motor Vehicle Accident
Inside the United States
Motor Vehicle Accident
Outside the United States
Non-contact Amateur Sports
Medical expenses can be covered if you are injured while participating in these non-contact amateur sports: 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.
Maternity Care
Inside the United States
Failure to notify Seven Corners within first 90 days of pregnancy will result in 25% reduction in covered expenses.
In PPO Network
80% up to $10,000
Out of PPO Network
60% up to $10,000
In PPO Network
80% up to $25,000
Out of PPO Network
60% up to $25,000
This benefit varies by plan and is not available on Liaison Student Basic. The benefit applies for the primary participant or plan participant spouse only. 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.
Maternity Care
Outside the United States
Failure to notify Seven Corners within first 90 days of pregnancy will result in 25% reduction in covered expenses.
This benefit varies by plan and is not available on Liaison Student Basic. The benefit applies for the primary participant or plan participant spouse only. 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.
Newborns who are born as a result of a covered pregnancy are automatically covered by the plan for the first 30 days of life. You must add them to the plan no later than the 31st day of life.
DENTAL
Dental — Sudden Relief of Pain
This can pay for emergency treatment for the relief of pain to sound natural teeth. Coverage is
available if your period of coverage is greater than 30 days.
This can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. You are not covered if you break a tooth while eating or biting into a
foreign object.
EMERGENCY SERVICES & ASSISTANCE
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist. Failure
to use Seven Corners Assist will result in the denial of benefits.
Emergency Medical
Evacuation and Repatriation
$100,000
(separate from medical maximum)
$250,000
(separate from medical maximum)
$500,000
(separate from medical maximum)
If medically necessary, we will arrange and pay for transportation and related medical expenses during transportation to:
- Transport you to the nearest adequate medical facilities.
- Transport you to your home country for treatment or to recover after an emergency medical evacuation.
This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
Emergency Medical Reunion
$200 per day, 10-day limit
$15,000 maximum
$200 per day, 10-day limit
$25,000 maximum
$200 per day, 10-day limit
$50,000 maximum
If your physician recommends it, we will pay and arrange for one person of your choice to travel to the hospital where you are located when an emergency medical evacuation is occurring or has occurred or when an emergency medical repatriation
is to occur. This benefit applies regardless of whether your hospitalization is related to
a pre-existing condition.This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
If you are traveling alone with children and are hospitalized because of a covered illness or injury, we will arrange and pay for:
- One-way economy airfare to return the children to their home country; and
- Attendant/escort services to ensure the children’s safety.
This benefit applies regardless of whether your hospitalization is related to a preexisting condition.This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
We can pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while outside your home country. You cannot
use this benefit if you use the Local Cremation or Burial benefit. This benefit applies
regardless of whether your death is related to a pre-existing condition. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
Local Cremation or Burial
We can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. You cannot use this benefit if you use the Return of Mortal Remains benefit. This benefit applies regardless of whether
your death is related to a pre-existing condition. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
Natural Disaster Evacuation
If you need an emergency evacuation due to a natural disaster, we will arrange and pay for:
- Your natural disaster evacuation;
- Lodging for five days if you are delayed at the safe location; and
- Your return home by means of one-way economy class airfare.
Seven Corners security personnel will determine the need for this evacuation in consultation with local governments and security analysts.
This benefit does not apply when you are in the U.S. and if the natural disaster precedes your
arrival at the affected location. See plan
document for additional details.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
Natural Disaster Daily Benefit
We can reimburse you for replacement accommodations for up to five days if you are displaced from planned, paid accommodations due to an evacuation from a forecasted natural disaster or following a natural disaster. You must provide proof
of payment for the accommodations from which you were displaced.
Political Evacuation and Repatriation
We can arrange and pay for your political evacuation and/or return to your home country via one-way economy airfare if:
- A formal recommendation is made for you to leave your host country; or
- You are expelled or declared persona non-grata by the host country.
This benefit will not apply if you did not follow a Level
3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory from the
U.S. Department of State or similar warnings from authorities of your host
country or home country. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
If you are injured as a result of terrorist activity, we will provide benefits if the following conditions are met:
- You have no direct or indirect involvement.
- The terrorist activity is not in a country or location where the U.S. 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 six months
prior to your arrival.
- You departed the country or location following the date a warning to leave was issued by the U.S. government or appropriate authorities of your host country or home country.
24/7 Travel Assistance Services
Seven Corners Assist is a 24/7 multilingual team available to help with travel emergencies and general assistance, including medical evacuations, escorts for unaccompanied children, medical record transfers and second opinions, and help locating medical care. They can
also help provide interpreter referrals, help with passport recovery, hotel and flight re-bookings, and many other services.
AD&D
Accidental Death and Dismemberment (AD&D)
Primary Insured
$25,000 Principal Sum
Eligible Spouse
$10,000 Principal Sum
Eligible Child(ren)
$5,000 Principal Sum
(aggregate limit of $250,000 for total number
of insureds on the plan)
Primary Insured
$25,000 Principal Sum
Eligible Spouse
$10,000 Principal Sum
Eligible Child(ren)
$5,000 Principal Sum
(aggregate limit of $250,000 for total number
of insureds on the plan)
Primary Insured
$25,000 Principal Sum
Eligible Spouse
$10,000 Principal Sum
Eligible Child(ren)
$5,000 Principal Sum
(aggregate limit of $250,000 for total number
of insureds on the plan)
This can pay benefits for death, loss of limbs, quadriplegia, paraplegia, hemiplegia, and uniplegia due to an accident occurring while on your trip.
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:
- Injury to a third person;
- Damage or loss to a third person’s personal property;
- Damage or loss to a relative’s personal property.
OPTIONAL COVERAGE
Hazardous Sports
You must buy this optional coverage if you wish to be covered while participating in 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 that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; 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 specific geographic area where you are located
in the host country.
BENEFIT PERIOD
Benefit Period
Corresponds to the period of coverage.
Corresponds to the period of coverage.
Corresponds to the period of coverage.
This is the amount of time you have from the date of your injury or illness to receive treatment, and it is the same as your period of coverage. After your coverage ends on your expiration date, your treatment is no longer covered.
How A Liaison Student Medical Insurance Plan Works
Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document. The plan document is the legal document that explains how your coverage works and describes all benefits
and exclusions for our international student health insurance plan. We recommend you read your plan document, so you understand how your Liaison Student insurance plan works.
Who Can Buy a Liaison Student Plan?
Requirements for the primary participant — The person listed first on the plan (primary participant) must be a full-time student, faculty member, or scholar between 12 and 64 years of age, who is engaged in fulltime educational or research
activities while residing outside their home country.* They must also meet these requirements:
- U.S. citizens traveling outside the United States — You must have a current passport and valid visa issued by your host country, if required. U.S. citizens cannot buy a Liaison Student plan for travel to the United States and/or
U.S. territories.
- Non-U.S. citizens traveling to the United States — You are required to have a valid J-1, H-3, F-1, M-1 or Q-1 visa or similar appropriate visa and may participate in an OPT program.
- Non-U.S. citizens traveling outside the United States — You must have a valid visa issued by your host country, if required.
Requirements for dependents — The primary participant can buy coverage for their legal spouse, legal domestic partner, or legal civil partner, and unmarried children at least 14 days old and under 19 years or under 26
years if attending an accredited institution full-time and/or dependent on the primary participant for maintenance and support.
*What is my home country? For non-U.S. citizens, home country is the country where you have your permanent residence. For U.S. citizens, home country is always the United States.
Finding Medical Providers
Network providers can be located at: sevencorners.com/help/find-a-doctor or by contacting Seven Corners Assist.
Inside the United States — We offer an extensive network of providers with special network pricing and potential savings for you.
Outside of the United States — Seven Corners has a large international directory of providers, and many of them will bill Seven Corners direct for treatment they provide. We recommend you contact us for a referral, but
you may seek treatment at any facility.
Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.
Excess Insurance
All coverages except Accidental Death & Dismemberment are in excess of other insurance or similar benefit programs and apply only when such benefits are exhausted. This plan is secondary coverage to other insurance. Such other insurance
or similar benefit programs may include, but are not limited to, membership benefits; workers’ compensation benefits/programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans;
socialized insurance programs or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.
Refund of Premium/Cancellation Policy for Liaison Student Travel Insurnce
We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $25 cancellation
fee, if you have not submitted any claims to Seven Corners.
Length of Coverage
Coverage Length — Your coverage length may vary from 5 days to 364 days and is renewable as long as the primary participant is eligible for the plan.
Effective Date — This is the start date of your plan, on the later of the following:
- 12 a.m. the day after we receive your application and correct payment;
- The moment you depart your home country;
- 12 a.m. on the date you request on your application.
Coverage for a newborn child of a primary participant or plan participant spouse begins from the moment of birth. You must notify us within 30 days of the child’s birth and pay the plan cost for benefits to extend beyond the 30th day.
Coverage for adopted children of a primary participant or plan participant spouse begins from the date of placement in the home for the purpose of adoption or the date of an interim court order for temporary custody, whichever is first.
Expiration Date — This is the date coverage for you ends, which is the earliest of the following:
- The moment you return to your home (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
- 11:59 p.m. on the date shown on your ID card;
- 11:59 p.m. on the date that is the end of the period for which you paid; or
- The moment you are no longer eligible for coverage.
All times above refer to United States Eastern Time.
Extending Your Student Medical Coverage
You can extend coverage as long as the primary participant is eligible for the plan. If you initially buy less than 364 days of coverage, you may buy additional time, from a minimum of 5 days to a total of 364 days. We will email you an
extension (renewal) notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.
When we receive your payment for the extension, we will extend your plan’s expiration date. A new coinsurance will apply beginning the 365th day of continuous coverage and each additional 365th day thereafter.
Your original effective date is used to determine if the lifetime medical maximum amount has been reached and to determine pre-existing conditions.
The primary participant can buy coverage for their legal spouse, legal domestic partner, or legal civil partner, and unmarried children at least 14 days old and under 19 years or under 26 years if attending an accredited institution full-time
and/or dependent on the primary participant for maintenance and support.
Underwriter
You can feel confident with Liaison Student’s strong financial backing through Certain Underwriters at Lloyd’s, London an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need
it.
About Your Insurance Company
Seven Corners will handle your student travel medical insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist,
will handle your travel needs.
Pre-existing Conditions Coverage for Liaison Student Travel Medical Insurance
What is a pre-existing condition?
Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental Illness or mental or nervous disorder including congenital, chronic, subsequent, or recurring complications or related consequences or resulting consequences
that existed with reasonable medical certainty when you bought the plan or any time in the 36 months before your coverage on this plan began, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed.
This includes, but is not limited to, any medical condition, sickness, injury, illness, disease, mental illness, or mental or nervous disorder for which medical advice, diagnosis, care, or treatment was recommended or received or for which a reasonably
prudent person would have sought treatment during the 36 months immediately preceding the start date of the plan.
How do we cover pre-existing conditions?
Many travel insurance plans do not cover pre-existing conditions.
- Liaison Student Choice and Elite plans cover them through two benefits: Acute Onset of Pre-existing Conditions and Waiver of Pre-existing Conditions.
- Liaison Student Basic plan covers them through Acute Onset of Pre-existing Conditions only.
Coverage amounts vary by plan. See the schedule of benefits
for details.
ACUTE ONSET OF PRE-EXISTING CONDITIONS
What is an acute onset of a pre-existing condition?
It is a sudden and unexpected outbreak or recurrence of a pre-existing condition:
- That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
- That occurs during your initial 364 days of coverage (Liaison Student Basic and Choice) or during your initial 180 days of coverage (Liaison Student Elite); and
- For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
A pre-existing condition is not an acute onset of a
pre-existing condition if:
- The condition is chronic, congenital, or gradually becomes worse over time; or
- If, during the 30 days prior to the acute event, you had a change in prescription or treatment for a diagnosis related to the underlying pre-existing condition.
Coverage ends on the earlier of:
- The condition no longer being acute; or
- Your discharge from the hospital.
There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to departure from the U.S. and before you coverage begins.
There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.
WAIVER OF PRE-EXISTING CONDITIONS
Liaison Student Choice After you have been continuously covered for 364 days, we waive the pre-existing condition exclusion so that pre-existing conditions are covered the same as other conditions subject to applicable copay, deductible,
and coinsurance.
Liaison Student Elite After you have been continuously covered for 180 days, we waive the pre-existing condition exclusion so that pre-existing conditions are covered the same as other conditions subject to applicable copay, deductible,
and coinsurance.
Liaison Student Medical Insurance Plan Exclusions
The exclusions below apply to these benefits: Medical Covered Expenses, Local Ambulance, Coma, Extension of Benefits in Home Country, Incidental Trip to Home Country, Mental Illness including Alcohol and Substance Abuse, Motor Vehicle
Accident, Non-contact Amateur Sports, Maternity Care (not provided by Liaison Student Basic), Routine Newborn Care (not provided by Liaison Student Basic), Vaccinations (not provided by Liaison Student Basic), Dental Emergency — Sudden Relief
of Pain, Dental Emergency — Accident, Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Child(ren), Return of Mortal Remains, Local Burial or Cremation, Natural Disaster Evacuation and Repatriation, Political
Evacuation and Repatriation, Accidental Death and Dismemberment (AD&D) and Optional Coverage — Hazardous Activities. These exclusions exclude expenses that are for, resulting from, related to, or incurred for the following:
- Pre-Existing Condition(s) except as waived under Waiver of Pre-existing Condition(s), Acute Onset of Pre-existing Condition(s), and Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Child(ren) Return of Mortal
Remains and Local Burial or Cremation;
- Claims not received by the Company or Administrator within ninety (90) days of the date of service;
- Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) received in a Hospital emergency room visit that is not a Medical Emergency;
- Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
- Routine physicals, inoculations unless specifically provided for in the Plan, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
- Chiropractic care unless specifically provided for in the Plan or acupuncture;
- Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
- Durable medical equipment;
- False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eyeglasses unless caused by Accidental Injury, eyeglasses,
contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
- Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
- Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
- Vocational, occupational, sleep, speech, recreational, or music therapy;
- Pregnancy, unless a Covered Pregnancy, and Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postpartum care, preventing conception or childbirth, artificial insemination, infertility,
impotency, sexual dysfunction, or sterilization or reversal thereof (Pregnancy is not covered by Liaison Student Basic.);
- Sleep apnea or other sleep disorders;
- Mental Illness and Mental and Nervous Disorders unless specifically provided for in the Plan, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
- Congenital abnormalities and conditions arising out of or resulting therefrom;
- Temporomandibular joint;
- Occupational Diseases;
- Exposure to non-medical nuclear radiation or radioactive materials;
- Sexually transmitted diseases, venereal diseases, and conditions and any consequences thereof;
- Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
- Human organ or tissue transplants;
- Exercise programs whether prescribed or recommended by a Physician or therapist;
- Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
- Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sexual reassignment Surgery;
- Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
- Hazardous Activities unless You purchase optional Hazardous Activities coverage and then only for the activities covered under that option under Hazardous Activities;
- Injuries sustained while participating in professional Athletics, amateur Athletics, intercollegiate Athletics or interscholastic Athletics unless specifically provided for in the Plan including, but not limited to, events, games, matches, practice,
training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
- Any Illness or Injury sustained while participating in an athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (and/ or any other collegiate sanctioning or governing body), or the International Olympic
Committee;
- Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed
by the Physician;
- Suicide or any attempt thereof, self-destruction or any attempt thereof, or any intentionally self-inflicted Injury or Illness;
- Terrorist Activity except as provided under Terrorist Activities; War, Hostilities, or War-like Operations;
- Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
- You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your
Host Country or Your Home Country;
- Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
- Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
- You while in Your Home Country unless covered under Extension of Benefits to Home Country and Incidental Trips to Home Country;
- Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
- Travel accommodations;
- Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
- Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
- Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding,
aerial photography, banner towing, or any experimental purpose;
- Participating in contests of speed or riding or driving in any type of competition;
- Loss of life;
- Long-term disability;
- Financial guarantee, financial default, bankruptcy, or insolvency risks;
- Charges for prenatal care, delivery, postpartum care, and care of Newborn Child(ren) unless resultant of a Covered Pregnancy (Pregnancy is not covered by Liaison Student Basic.);
- Injury sustained or Disablement due wholly or in part to the effects of intoxicating liquor or drugs, other than drugs taken in accordance with the proper dosing as directed by a Physician; or
- Injury sustained as the result of You operating a Motor Vehicle while not properly licensed to do so in the jurisdiction in which the Motor Vehicle Accident takes place;
- This plan does not cover a claim in anyway by or resulting from:
- Coronavirus disease (COVID-19);
- Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
- Any mutation or variation of SARS-CoV-2; or
- Any fear or threat of 1, 2, or 3.
Liaison Student Medical Insurance Plan Warnings
GEOGRAPHIC RESTRICTIONS
State Restrictions – We cannot accept an address in Maryland, Washington, New York, South Dakota, and Colorado.
Country Restrictions – We cannot accept an address in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of (North Korea).
We also cannot accept an address in Alberta and Manitoba, Canada. If you live in a Canadian province other than Alberta and Manitoba, please call your agent.
Destination Restrictions – We cannot cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic Cuba, and Democratic People’s Republic of Korea (North Korea).
This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all jurisdictions.
PPACA Disclaimer
Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL
COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.
How to Submit a Liaison Student Medical Insurance Claim
For a claim to be payable, it must meet the terms and conditions in the Liaison Student plan document. In addition, you must submit a completed claim form to us within 90 days of the date of service.
Claims are paid two ways:
- We pay your provider if they did not require you to pay up front. To do this, we need an itemized bill from the provider along with a claim form completed by you.
- We reimburse you if you paid medical expenses up front. To do this, we need an itemized bill (showing you paid the expenses) along with a claim form completed by you.
Important: If you are traveling in the U.S. and visit a provider in network, please do not pay for services up front and instead allow the provider to bill Seven Corners. Your ID card will provide information about the PPO network in the
United States.
- Gather your receipts, reports, and any other paperwork related to your claim.
Use this document reference guide to help figure out what documents you need to gather.
- Select and complete the appropriate proof of loss form. You may fill out the claim form in Adobe Acrobat (PDF) or print the form to complete your claim. (How do I save a PDF form?)
- Submit your proof of loss form and other paperwork here:
This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions
in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all jurisdictions.
Please be aware this coverage is not a general health insurance plan, but an interim, limited
benefit period, travel medical program intended for use while away from your home country.
It is your responsibility to maintain all records
regarding travel history, age, and provide necessary
documents to Seven Corners to verify your eligibility
for coverage.