Liaison Silver Insurance, Seven Corners administered Liason Silver Insurance for Visiting USA

Plan Summary

Seven Corners has enhanced the benefits of Liaison Silver insurance to address the travel concerns of the senior traveler. From benefits to include traveling grandchildren to prescription drug coordination services, Liaison Silver offers the differences that matter.

Policy Maximum	Maximum medical coverage is $60,000; $125,000; $600,000; $1,000,000 (ages 80+, maximum limited to $25,000)
Deductible	$0; $100; $250; $500; $1000; $2500 Deductible is per person per Policy Period, maximum of 3 Policy Period deductibles per family. The selected Deductible and Coinsurance amount must be met for each Policy Period.
Co-insurance	outside the united states and canada: After you pay the deductible, the program pays 100% to the selected Medical Maximum.
Eligibility	- Liaison Silver provides coverage, for individuals and families where the primary insured person is at least 50 years of age and is a U.S. Citizen or Permanent Resident (including unmarried Dependent Child(ren) and Grandchild(ren) over fourteen (14) days and under nineteen (19) years of age) while traveling outside of the United States.
Coverage	- Hospital indemnity - Dental (emergency) - Coma benefit	- Return of mortal remains - Political evacuation and repatriation - Emergency reunion
Benefit Period	6 months
Underwriter	Liaison^® Silver is underwritten by The Insurance Company of the State of Pennsylvania, a member company of AIU Holdings.
Buy - Online	Apply & purchase online Liaison Silver Insurance
Brochure	Complete, mail/fax the Liaison Silver Insurance Brochure along with payment

Liaison Silver Insurance - Details

Liaison Silver Insurance Features

From 5 Days, renewable up to 12 months
Primary Insured must be at least 50 years old
Grandchildren can travel as dependents with their grandparents
Cumulative deductible-Medical Maximum $60,000, $125,000, $600,000 and $1 Million ($20,000 for 80+yr. olds)
U, R, & C Benefits- We pay for the cost of the procedure based on where you are being treated
Political Evacuation/Repatriation $50,000
Coma Benefit $50,000, Must be in a coma for 30 consecutive days, Benefit starts day 31
Felonious Assault Benefit $10,000
Pre-ex waiver for US citizens- $20,000, over 65 $5,000- Outside US & Canada
Hospital Indemnity up to $300/night, in addition to the Hospital room & board

Liaison Silver Insurance benefits

Seven Corners has enhanced the benefits of Liaison® Silver to address the travel concerns of the senior traveler. From benefits to include traveling grandchildren to prescription drug coordination services, Liaison® Silver offers the differences that matter.

5 Days to 12 months of coverage for:

united states citizens traveling overseas
emergency evacuations
24-hour assistance
political evacuation
coverage for terrorism
discounted premiums for dependent children and grandchildren

Liaison Silver Insurance - Schedule of Coverage

All coverages and plan costs listed in this brochure are in U.S. dollar amounts

Medical Maximum:	$60,000; $125,000; $600,000; $1,000,000 (ages 80+, maximum limited to $25,000)
Deductible:	$0; $100; $250; $500; $1000; $2500 Deductible is per person per Policy Period, maximum of 3 Policy Period deductibles per family. The selected Deductible and Coinsurance amount must be met for each Policy Period (see Continuing Coverage)
Coinsurance:	outside the united states and canada: After you pay the deductible, the program pays 100% to the selected Medical Maximum.
Hospital Indemnity:	$300/ night, up to a maximum of thirty (30) days. In addition to any other Covered Expense.
Dental (Emergency):	$100 ($500 for accidents) Only available to programs purchased for one (1) month or more.
Emergency Medical Evacuation / Repatriation:	$300,000 (in addition to the Medical Maximum)
Emergency Medical Evacuation / Repatriation:	Incidental trips to the home country: $50,000 Follow me home coverage: $5,000
Return of Mortal Remains:	$50,000
Emergency Reunion:	$50,000
Return of Minor Child(ren):	$50,000
Interruption of Trip:	$5,000
Loss of Checked Luggage:	$250
Local Ambulance Expense:	$5,000
Accidental Death & Dismemberment:	$50,000 Principal Sum per Adult, $5,000 for Dependent Child(ren) and/or Grandchild(ren).
Common carrier accidental death:	$100,000 per adult, $25,000 per child(ren) and/or grandchild(ren) under age of 18; $250,000 Maximum per family
Coma benefit:	$50,000
Felonious assault benefit:	$10,000
Hospital Room & Board:	Usual, reasonable and customary to the selected Medical Maximum
Intensive Care:	Usual, reasonable and customary to the selected Medical Maximum
Outpatient Medical Expense:	Usual, reasonable and customary to the selected Medical Maximum
Terrorism:	Usual, reasonable and customary to the selected Medical Maximum
Waiver of Pre-Existing Conditions:	Up to $20,000 for U.S. citizens traveling outside the United States & Canada
Benefit Period:	Six months

Why International Medical Insurance?

Each year, millions of people travel beyond the boundaries of their medical insurance. If you are concerned with the potential out-of-pocket expenses that could result from an injury or illness while traveling, Seven Corners offers medical coverage and emergency services to individuals and families traveling outside their home country.

Liaison Silver Insurance - Eligibilty

Liaison Silver provides coverage, as outlined in this brochure, for individuals and families where the primary insured person is at least 50 years of age and is a U.S. Citizen or Permanent Resident (including unmarried Dependent Child(ren) and Grandchild(ren) over fourteen (14) days and under nineteen (19) years of age) while traveling outside of the United States.

Liaison Silver Insurance - Period of coverage

The minimum period of coverage under Liaison® Silver is five (5) days, maximum is twelve (12) months (see Continuing Coverage section). If you are traveling for a long period of time, please review other Seven Corners' products.

Effective Date

Your coverage will begin on the latest of the following: 1) The moment you depart your Home Country; or 2) The date and time the Application and full plan cost is received and accepted by Seven Corners; or 3) The date requested on the Application.

Expiration Date

Coverage will end on the earlier of the following: 1) Your return to your Home Country (except as provided under the Home Country Coverage); or 2) The date shown on the ID Card, for which plan cost has been paid; 3) The date you are no longer eligible under this plan.

Liaison Silver Insurance - Description of coverage

Medical

When the Insured incurs a covered Injury or Illness, the program will pay Usual, Reasonable and Customary medical charges for Covered Expenses, excess of the chosen Deductible and Coinsurance, up to the selected Policy Maximum. Only such expenses, incurred as the result of a disablement, which are specifically enumerated in the following list of charges, are incurred within six months from the onset of an Injury or Illness, and which are not excluded in the Exclusions, shall be considered as Covered Expenses:

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 a non-medical nature); charges made for an operating room.
Charges made for Intensive Care or Coronary Care charges and nursing services.
Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics.
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.
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.
Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.
Ground ambulance (within the metropolitian area) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area, then licensed ground ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
Hotel room charge, when the Covered person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room due to unavailability of a Hospital room by reason of capacity or distance or any other circumstances beyond control of the Covered person.
Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.

Dental - Emergency Only

The Emergency Dental Benefit is only available to programs purchased for 1 month or more. Treatment necessary to resolve acute, spontaneous and unexpected inception of pain to natural teeth ($100) or Dental treatment necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under the program ($500). This benefit is subject to the Deductible and Coinsurance.

Emergency Medical Evacuation / Repatriation

The Program will pay Covered Expenses incurred if any covered Injury or Illness commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person (the Insured Person's medical condition warrants immediate transportation from the medical facility where the Insured Person is located to the nearest adequate medical facility where medical treatment can be obtained). The benefit must be ordered by the Assistance Company in consultation with the Insured Person’s local attending Physician. *

Return of Mortal Remains

The Program will pay the reasonable Covered Expenses incurred up to a maximum of $20,000 to return the Insured Person's remains to his/her Home Country, if he or she dies. *

Emergency Medical Reunion

When Emergency Medical Evacuation or Repatriation is ordered and the attending Physician recommends that a family member travel with the Insured, the program will arrange and pay, up to $10,000, for round trip economy-class transportation for one individual selected by the Insured Person, from the Insured Person’s Home Country to the location where the Insured Person is hospitalized and return to the Home Country.*

Return of Minor Child(ren)

Should the Insured Person be traveling alone with a Minor Child(ren) and is hospitalized because of a covered Illness or Injury and the Minor Child(ren), under age 19, is left unattended, the program will arrange and pay up to $5,000 for one way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of the Minor Child(ren)). *

Hospital Indemnity

If you are hospitalized while traveling outside of the United States or Canada, and the hospitalization is considered a Covered Expense, the program will indemnify the Insured $100 for each night spent in the hospital (this benefit is in addition to any other covered expenses of the program).

Interruption of Trip

If the Insured is unable to continue the Trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to the Insured's principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.). The program will reimburse the Insured(up to $5,000)for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence.*

*NOTE: In the event of Emergency Medical Evacuation, Repatriation, Return of Mortal Remains, Emergency Reunion, Return of Minor Child(ren) and/or Grandchild(ren) or Interruption of Trip benefit is needed or utilized, all arrangements must be made by the Assistance Service Provider. Complete details about the benefits and about the required notification of the Assistance Service Provider are contained in the Program Summary.

Loss of Checked Luggage

If the Insured's checked luggage is permanently lost by the airline, the program will reimburse the Insured for the replacement of clothing and personal hygiene items lost to a maximum per bag limit of $50 (up to $250). This benefit is secondary to any other (including airline) coverage available. The Insured must furnish proof to the Company that full reimbursement has been obtained from the airline.

Felonious assault benefit

If you are Injured as a result of a Felonious Assault while traveling outside of the United States, the program will pay $10,000. This benefit is in addition to any other benefit available under this program. Refer to the Program summary for full description and conditions.

Coma benefit

If a covered Injury renders you Comatose within ninety (90) days of the date of the accident that caused the Injury, and if the Coma continues for a period of thirty (30) consecutive days, the program will pay a monthly benefit equal to 1% of $50,000. No benefit is provided for the first thirty (30) days of the Coma. The benefit is payable monthly as long as you remain Comatose due to that Injury, but ceases on the earliest of: 1) the date you cease to be Comatose due to that Injury; 2) the date the Insured dies; or; 3) the date the total amount of monthly Coma benefits paid for all Injuries caused by the same accident equals the maximum amount. This benefit is in addition to any other benefit available under this program. See Program Summary for full description and conditions.

Assistance Services

Upon enrollment into Liaison Silver Insurance, you are eligible to use any of the assistance services provided by the Assistance Service Provider. Additional information is contained in the Program Summary.

Open 24 hours/day, 365 days a year
Multilingual personnel
Physicians/Nurses on staff
Locate local facilities
Help with emergency situations
Prescription replacement

Home Country Coverage

Incidental Trips to the United States: This benefit covers you for incidental trips to the United States (Sixty (60) days per twelve (12) months of purchased coverage or pro rata thereof- example: approximately five (5) days per month of purchased coverage). Maximum benefit is reduced to $50,000 (80+ year olds limited to $25,000) for any Illness or Injury occurring while on an incidental trip to the United States.

Follow Me Home Coverage: This plan shall pay for Covered Expenses incurred in the United States up to $5,000 for conditions that are first diagnosed and treated outside of the United States (Does not apply for Emergency Medical Evacuation or Repatriation).

Options

Continuing Coverage

For those who are intending longer international trips, an option is available to you. If you choose this option on the application and enroll in at least three (3) months, a notice will be sent to your address of correspondence, allowing you to purchase another period of coverage (minimum of 1 month, maximum of 12 months). If you purchase at least an additional three months, Seven Corners will continue to send notices to your address of correspondence. If you choose to purchase less than three months, Seven Corners will assume that your international trip is complete and will not send any further notices.

While a new period of coverage will be issued, your original effective date will be used with regards to calculating your deductible and coinsurance (for up to a total of 12 months, then both will begin again), as well as determining any pre-existing conditions. Since Seven Corners's Benefit Period states that the program will pay up to a total of 6 months for any one eligible condition, you can be protected beyond your period of coverage.

The maximum period of time Seven Corners will offer this feature is three years (one year for persons age 70 and over). It is important to note that rates and benefits may change for each subsequent period of coverage. A $5.00 Administrative Fee will be included on each notice. This option is not available if you allow coverage to expire prior to reapplying. If this happens, an entirely new program must be purchased (preexisting condition begins again).

Hazardous Sport Coverage

To cover motorcycle / motor scooter riding, mountaineering (4500 meter limit), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, and snow boarding.

Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute.

Refund Premium

Seven Corners realizes that there is uncertainty in international travel. Refund of total plan cost will only be considered if written request is received by Seven Corners prior to the Effective Date of Coverage. If written request is received after the Effective Date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to Seven Corners for reimbursement.

Claim Submission

FFiling a claim with Seven Corners is easy. In the event of a claim, you may contact Seven Corners or print one at www.sevencorners.com/travelers/resources. When you receive treatment, send the original, itemized bills to Seven Corners within ninety (90) days, along with your signed claim form. Eligible bills are automatically converted from local currencies to U.S. dollars. For payments of eligible medical expenses, notify Seven Corners of pending treatments and we can refer you to approved healthcare providers worldwide. You're only responsible for your deductible, coinsurance and non-eligible expenses. For more details, consult the Program Summary that is provided via e-mail, or contact the Seven Corners Claim Department.

Liaison Silver Insurance - Exclusions

For Medical benefits, this Insurance does not cover:

Any Injury or Illness which meets the following criteria: a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the twelve (12) months prior to the Effective Date of coverage under this Policy; b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the twelve (12) months prior to the Effective Date of coverage under this Policy;

If you are a United States citizen, this exclusion is waived for the first $20,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $5,000). This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program.
Charges for treatment which exceed Reasonable and Customary charges; or Charges incurred for Surgeries or treatments which are Investigational, Experimental, or for research purposes; expenses which are non-medical in nature; expenses for Vocational, Speech, Recreational or Music Therapy.
Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician.
Suicide or any attempt there at, while sane or self destruction or any attempt there at, while insane; intentionally self-inflicted Injury or Illness; or expenses as a result or in connection with the commission of a felony offense.
Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.
Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics.
Routine physicals, innoculations, or other examinations where there are no objective indications or impairment in normal health.
Treatment of the Temporomandibular joint.
Services or supplies performed or provided by a Relative of yours, or anyone who lives with you.
Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids, cosmetic or plastic Surgery (including deviated nasal septum), routine dental expenses, eye care or eye related expenses, unless caused by Accidental bodily Injury incurred while insured hereunder.
Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent; any Mental and Nervous disorders or rest cures; Injury sustained while under the influence of or Disablement due to wholly or partly to the effects of intoxicating liquor or drugs.
Congenital abnormalities and conditions arising out of or resulting therefrom.
Expenses incurred during a hospital emergency room visit which is not of an emergency nature.
Injury sustained while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, snowmobiling, motorcycle / motor scooter riding, scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, snow skiing and snow boarding. (Please see Optional Hazardous Sports Coverage to include some of these sports.)
1. Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either:
  - utilizing harnesses, ropes, crampons or ice axes; or
  - ascending 4500 meters or above.
2. Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute.
Treatment paid for or furnished under any other individual, government, or group policy or charges provided at no cost to the Insured Person.
Treatment of venereal or sexually transmitted disease.
Pregnancy expenses or Illness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Accident.
Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth.
Expenses incurred while the Insured Person is in their Home Country (except after approved Emergency Evacuation/Repatriation or if treatment is a follow-up to a covered disablement during coverage or if the expenses pertain to the Home Country Coverage benefit).
Expenses incurred for which travel was undertaken to seek medical treatment for a condition; or incurred after the Insured Person’s physician has limited or restricted travel.