Liaison® Student Travel Medical Insurance

Specialized travel medical insurance plans for students, faculty, scholars, and their families.



 

24/7 Travel Assistance
1-800-335-0611
0-317-818-2809 (collect)

Includes 24 hour multilingual travel assistance, help finding a doctor, and evacuation if necessary.

Who can buy a Liaison Student Travel Health Insurance plan?

You may buy a plan for yourself, your spouse and dependents if you are:

  • A full-time student, faculty member, or scholar;
  • Involved in full-time educational or research activities;
  • Traveling outside your home country*; and
  • At least 12 years old and younger than 65 years of age.

You should list yourself first on the plan as the primary insured.

*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.

U.S. citizens traveling outside the USA
You must have a valid visa issued by your host country, if required. U.S. citizens, including those with dual citizenship,  cannot buy a Liaison Student plan for travel within the United States and U.S. territories.

Non-U.S. citizens traveling to the USA
You are required to have a valid J-1, H-3, F-1, M-1 or Q-1 visa or similar visa and may participate in an OPT program.

Non-U.S. citizens traveling outside the USA
You must have a valid visa issued by your host country, if required.

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.

Liaison® Student Basic
Covers up to 10 travelers.
Basic coverage

Liaison® Student Choice
Covers up to 10 travelers.
Best Value

Liaison® Student Plus
Covers up to 10 travelers and offers group coverage for 10 or more travelers.
Most Benefits
Includes coverage for COVID-19

PLAN OPTIONS
Coverage Length

5 days to 364 days

5 days to 364 days

5 days to 364 days

Coverage Extension 

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

Covered Ages

Ages 14 days to 64 years

Ages 14 days to 64 years

Ages 14 days to 64 years

Corresponds to the period of coverage.

Corresponds to the period of coverage.

Corresponds to the period of coverage.

$5,000,000

$5,000,000

$5,000,000

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

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

Coinsurance Options (The plan pays)

In United HealthCare PPO Network
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 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.

Coinsurance Options (The plan pays)

Outside the United States

We pay 100%.

We pay 100%.

We pay 100%.

MEDICAL

Usual, Reasonable and Customary (URC) up to medical maximum

URC up to medical maximum

URC up to medical maximum

URC up to medical maximum

URC up to medical maximum

URC up to medical maximum

N/A

N/A

URC up to medical maximum or $100,000; whichever is less.

URC to medical maximum
$100 copay

URC to medical maximum
$50 copay

URC to medical maximum
$50 copay

URC up to medical maximum
$15 copay

URC to medical maximum
$10 copay

URC to medical maximum
$10 copay

URC up to medical maximum
$30 copay

URC up to medical maximum
$20 copay

URC up to medical maximum
$20 copay

URC up to medical maximum
$15 copay

URC up to medical maximum
$10 copay

URC up to medical maximum
$10 copay

Vaccinations

N/A

$150 per 364 days of continuous coverage

$150 per 364 days of continuous coverage

Physiotherapy

$25 per visit, 60 visits maximum

$50 per visit, 60 visits maximum

$50 per visit, 60 visits maximum

Chiropractic Care

$25 per visit, 60 visits maximum

$50 per visit, 60 visits maximum

$50 per visit, 60 visits maximum

Local Ambulance Benefit
Inside the United States

$350

$500

$500

Local Ambulance Benefit
Outside the United States

Up to medical maximum

Up to medical maximum

Up to medical maximum

$1,000

$5,000

$5,000

$1,000

$5,000

$5,000

N/A

URC up to medical maximum
After initial 364 days of coverage

URC up to medical maximum
After initial 364 days of coverage

$5,000
During initial 364 days of coverage

$10,000
During initial 364 days of coverage

$10,000
During initial 364 days of coverage

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
$10,000, 45-day limit

Outpatient
80% up to $1,000

Motor Vehicle Accident
Inside the United States

50% up to $100,000

75% up to $100,000

75% up to $100,000

Motor Vehicle Accident
Outside the United States

Up to medical maximum

Up to medical maximum

Up to medical maximum

$2,500

$5,000

$5,000

N/A

In PPO Network
80% up to $10,000

Out of PPO Network
60% up to $10,000

In PPO Network
80% up to $10,000

Out of PPO Network
60% up to $10,000

N/A

80% up to $10,000

80% up to $10,000

N/A

$500 per newborn child

$500 per newborn child

DENTAL

$150

$250

$250

$500

$1,000

$1,000

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 may result in the denial of benefits.

$100,000
(separate from medical maximum)

$250,000
(separate from medical maximum)

$250,000
(separate from medical maximum)

$200 per day, 10-day limit
$15,000 maximum

$200 per day, 10-day limit
$25,000 maximum

$200 per day, 10-day limit
$25,000 maximum

$25,000

$40,000

$40,000

$50,000

$50,000

$50,000

$5,000

$5,000

$5,000

$5,000

$10,000

$10,000

$25 per day, 5-day limit

$50 per day, 5-day limit

$50 per day, 5-day limit

$10,000

$10,000

$10,000

$25,000

$50,000

$50,000

Included

Included

Included

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)

 

$25,000

$50,000

$50,000

OPTIONAL COVERAGE

Up to medical maximum

Up to medical maximum

Up to medical maximum

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 full-time 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, including those with dual citizenship, 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.

United Healthcare

Through Seven Corners’ relationship with UnitedHealthcare, you have access to one of the largest networks in the United States.

  • 1.4M physicians
  • 6500 hospitals
  • 45,000 clinics
  • 67,000 pharmacies
  • 1,800 convenience clinics

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:

  1. 12 a.m. the day after we receive your application and correct payment;
  2. The moment you depart your home country;
  3. 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:

  1. The moment you return to your home (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
  2. 11:59 p.m. on the date shown on your ID card;
  3. 11:59 p.m. on the date that is the end of the period for which you paid; or
  4. 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.



Good Faith Efforts

Seven Corners will make good faith efforts to provide the services and assistance described in this brochure. If Seven Corners is unable to do so due to circumstances beyond its control or due to circumstances that make it unsafe for persons to provide such services and assistance, then Seven Corners will provide the services and assistance to the extent reasonable and possible. If Seven Corners is unable to directly arrange services, expenses incurred by you for services that would otherwise be covered under this plan and that would typically be arranged by Seven Corners may be eligible for reimbursement and should be submitted for consideration. It is your responsibility to preserve all documentation of related financial transactions you wish to be considered for reimbursement.

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 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 emergency or 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 Plus 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 benefitsfor 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:

  1. That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
  2. That occurs during your initial 364 days of coverage; and
  3. 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:

  1. The condition is chronic, congenital, or gradually becomes worse over time; or
  2. 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:

  1. The condition no longer being acute; or
  2. 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 Plus 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 Travel Medical Insurance Exclusions and Warnings

Exclusions

Refer to the plan document to view exclusions.

Geographic Restrictions

State Restrictions – We cannot sell to persons domiciled in Maryland, Washington, New York, South Dakota, and Colorado.

Country Restrictions – We cannot sell to persons domiciled in Australia, Canada, Cuba, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of (North Korea).

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).


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.

Liaison Student Medical Insurance Documents

Liaison Student Medical

Brochure

Plan Documents

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.

UnitedHealthcare and the U logo are trademarks owned by UnitedHealth Group Incorporated which are registered in the U.S. and various other jurisdictions. Administrative services provided by UnitedHealthcare Services, Inc. or their affiliates. UnitedHealth Group and its affiliates does not and cannot guarantee clinical outcomes. Insurance coverage provided by Seven Corners.