All coverages and plan costs are shown in United States dollar amounts and are per person and period of coverage unless otherwise noted.
Liaison Student Economy
Liaison Student Choice
Liaison Student Elite
Plan Options
5 days to 364 days
Renewable as long as primary participant is eligible.
5 days to 364 days
Renewable as long as primary participant is eligible.
5 days to 364 days
Renewable as long as primary participant is eligible.
Worldwide including & excluding the U.S.
Worldwide including & excluding the U.S.
Worldwide including & excluding the U.S.
Medical Maximum Options
- per person per disablement
Ages 14 days to 64:
$50,000; $100,000; $250,000; $500,000; $1,000,000
Ages 14 days to 64:
$50,000; $100,000; $250,000; $500,000; $1,000,000
Ages 14 days to 64:
$50,000; $100,000; $250,000; $500,000; $1,000,000
Deductible Options - per person per disablement
you pay
$0, $50, $100, $250, $500, $1,000
$0, $50, $100, $250, $500, $1,000
$0, $50, $100, $250, $500, $1,000
Student Health Centers
you pay
$5 copay per visit; (not subject to deductible)
$5 copay per visit; (not subject to deductible)
$5 copay per visit; (not subject to deductible)
Coinsurance Options Outside the United States
the plan pays
100% to the medical maximum.
100% to the medical maximum.
100% to the medical maximum.
Coinsurance Options Inside the United States
the plan pays
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% 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.
Usual, Reasonable and
Customary to the medical maximum.
Usual, Reasonable and
Customary to the medical maximum.
INSIDE THE UNITED STATES
$10 copay for generic/$20 copay for brand name (not subject to the deductible)
OUTSIDE THE UNITED STATES
$0 copay (deductible applies)
INSIDE THE UNITED STATES
$5 copay for generic/$10 copay for brand name (not subject to the deductible)
OUTSIDE THE UNITED STATES
$0 copay (deductible applies)
INSIDE THE UNITED STATES
$0 copay (not subject to the deductible)
OUTSIDE THE UNITED STATES
$0 copay ((deductible applies)
Vaccinations
(in the U.S. only as required by school, university or visa program)
$100 per 364 days of continuous coverage
$150 per 364 days of continuous coverage
$200 per 364 days of continuous coverage
$25 per day to a max of 60 days
$50 per day to a max of 60 days
$75 per day to a max of 60 days
$25 per day to a max of 60 days
(if prescribed by a physician for pain relief)
$50 per day to a max of 60 days
(if prescribed by a physician for pain relief)
$75 per day to a max of 60 days
(if prescribed by a physician for pain relief)
INSIDE THE UNITED STATES
$350 per disablement (injury/illness)
OUTSIDE THE UNITED STATES
Up to medical maximum
INSIDE THE UNITED STATES
$500 per disablement (injury/illness)
OUTSIDE THE UNITED STATES
Up to medical maximum
INSIDE THE UNITED STATES
$750 per disablement (injury/illness)
OUTSIDE THE UNITED STATES
Up to medical maximum
$10,000
(separate from the medical maximum)
$25,000
(separate from the medical maximum)
$50,000
(separate from the medical maximum)
Extension of Benefits to
Home Country
Incidental Trips to Home Country
(for minimum purchases of 30 days)
Waiver of Pre-existing Conditions
After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.
After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.
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 $5,000
Medical covered expenses up to $10,000
Medical covered expenses up to $25,000
Mental Illness including Alcohol & Substance Abuse
Inpatient: $5,000 (45 days max)
Outpatient: 80% of URC to $500
Inpatient: $10,000 (45 days max)
Outpatient: 80% of URC to $1,000
Inpatient: $20,000 (45 days max)
Outpatient: $2,000
Inside the United States
50% up to $100,000
Outside the United States
Up to medical maximum
Inside the United States
75% up to $100,000
Outside the United States
Up to medical maximum
Inside the United States
100% up to $100,000
Outside the United States
Up to medical maximum
Non-contact Amateur Sports
Maternity Care
For a pregnancy to be covered, conception must occur 180 days after coverage begins.
$500
Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy.
INSIDE THE UNITED STATES
In PPO Network: 80% up to $10,000
Out of PPO Network: 60% up to $10,000
OUTSIDE THE UNITED STATES
80% up to $10,000
Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy.
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
80% up to $25,000
Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy.
DENTAL
Dental - Sudden Relief of Pain
(for minimum purchases of 30 days)
Emergency Services and Assistance
Emergency Medical
Evacuation & Repatriation
$100,000
(separate from the medical maximum)
$500,000
(separate from the medical maximum)
$750,000
(separate from the medical maximum)
Emergency Medical Reunion
Up to $200 per day/$15,000 maximum
Up to $200 per day/$25,000 maximum
Up to $200 per day/$50,000 maximum
Natural Disaster Evacuation
Natural Disaster Daily Benefit
Political Evacuation & Repatriation
$10,000
(separate from the medical maximum)
$15,000
(separate from the medical maximum)
$20,000
(separate from the medical maximum)
24/7 TRAVEL ASSISTANCE
SERVICES
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
$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
$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
Optional Coverage