Liaison Student Insurance, Seven Corners administered, Nationwide Underwritten Liason Student Insurance for US students and Foreign students

Plan Summary

Seven Corners (formerly known as Specialty Risk International) has established Liaison^® Student to provide valuable benefits to students and other educational professionals when they travel outside of their home country.

Policy Maximum	$250,000 Primary Insured, $50,000 Spouse/Child .
Deductible	Non U.S. Students: $100 if not first treated by the Student Health Center (or if there is no Student Health Center) $50 if first treated by the Student Health Center. US Citizens: Options: $50 / $0.
Co-insurance	Non U.S. Students: 80% to $10,000, then 100% to plan maximum. US Citizens: 100% to plan maximum.
Pre-Existing Condition Definition	- Pre-existing Condition shall mean any condition for which a licensed Physician was consulted, or for which Treatment or Medication was prescribed, or for which manifestations or symptoms would have caused a person to seek medical advice 24 months prior to the Effective Date of coverage. If the Injured Person is covered under the Policy for 24 consecutive months, the Pre-existing Condition exclusion will no longer apply and any eligible expenses incurred thereafter will be considered for reimbursement.
Coverage	- Unexpected Recurrence of a Pre-Existing Non U.S. Students: N/A Condition - Maternity - Injuries from a Motor Vehicle Accident	- Injuries from a Motor Vehicle Accident - Alcohol and Drug Abuse - Sports-related Injuries
Plan Life	The minimum period of coverage under Liaison Student is 15 days, maximum is 12 months
Underwriter	Liaison Student is underwritten by Nationwide Mutual Insurance Company, Nationwide Life Insurance Company and Nationwide Mutual Fire Insurance Company.
Buy - Online	Apply & purchase online Liaison Student Insurance
Brochure	Complete, mail/fax the Liaison Student Insurance Brochure along with payment
PPO Network	Preferred provider network information for Liaison Student Insurance

Liaison Student Insurance Benefits:

Eligibility :

Non-U.S. Citizens: International Students, visiting Faculty, Scholars, or other persons age 13 and older who are temporarily residing outside their Home Country. The Insured must remain engaged in full-time educational or research activities outside their Home Country during the Period of Coverage.

Education or research activities shall mean the Insured: 1) is enrolled and participating in an educational, vocational, cultural exchange, or training programs; and 2) has a valid J-1, H-3, F, M, or Q Visa.

U.S. Citizens: TAll United States Students, visiting Faculty, Scholars, or other persons with a current passport who are temporarily residing outside the United States and are engaged in full-time educational or research activities.

For Both: Eligible individuals may also purchase coverage for their eligible dependents (must be covered along with a Parent). An eligible spouse shall be defined as the Primary Insured's legal spouse. An Eligible Dependent Child shall mean the Primary Insured Person's unmarried child(ren) over 30 days and under 19 years of age or under 25 years of age if they are attending an accredited institution of higher learning on a regular full-time basis and/or wholly dependent upon the Insured Person for maintenance and support. Maximum age of coverage is 64.

Period of coverage

The minimum period of coverage under Liaison Student is 15 days, maximum is 12 months (see Continuing Coverage section). Coverage can be purchased in a combination of monthly and/or daily periods by paying the appropriate plan cost.

effective date
Your coverage will begin on the latest of the following:

The date Seven Corners receives a completed application and premium for the period requested; or
The Effective Date requested on the application; or
The moment the Insured Person departs their Home Country airspace; or
The date Seven Corners approves the application.

expiration date
Coverage will end on the earlier of the following:

The moment the Insured Person returns to their Home Country; or
The expiration of 12 months from the Effective Date of Coverage (see Continuing Coverage section); or
The date shown on the ID Card issued by Seven Corners; or
The end of the period for which premium has been paid; or
The Date the Insured Person fails to be considered an Eligible Person; or
The date / moment the maximum benefit amount has been paid

Schedule of benefits

Benefits	Coverages
Accident and Sickness Medical Maximums Lifetime	$250,000 Primary Insured $50,000 Spouse/Child
Deductible - Per Injury or Illness	Non U.S. Students: $100 if not first treated by the Student Health Center (or if there is no Student Health Center) $50 if first treated by the Student Health Center US Citizens: Options: $50 / $0
Co Pay - Per Written Prescription of Medicine	Non U.S. Students: $10 for Generic and $20 for Brand Name US Citizens: $0 for Generic and $0 for Brand Name
Coinsurance	Plan 1: 80% to $10,000, then 100% to plan maximum Plan 2: 100% to plan maximum
Benefit Period	Covered Expenses incurred during the Period of Coverage
Unexpected Recurrence of a Pre-Existing condition	Non U.S. Students: N/A US Citizens: Up to $500
Maternity	Covered as any other illness
Mental Illness	Inpatient: Payable at 50%, up to $10,000 up to a max of 40 days Outpatient: Payable at 80% , up to $500
Alcohol and Drug Abuse	Inpatient/Outpatient: Payable at 50%, up to $1,000
Injuries from a Motor Vehicle Accident	Non U.S. Students: $10,000 US Citizens: Up to Policy Maximum
Sports-related Injuries	Non U.S. Students: $5,000 US Citizens: Up to Policy Maximum
Dental (emergency)	$250 per tooth to a maximum of $500
Emergency Medical Evacuation	$100,000
Repatriation of Mortal Remains	$25,000
Emergency Reunion	$5,000
Accidental Death & Dismemberment	$10,000 per Insured, $5,000 per Spouse/Dependent Child
Physiotherapy	$500
Spinal Manipulation	$500
Ambulance Service	$350
Home Country Coverage - Incidental trips to the Insured's Home Country	30 days of coverage up to a maximum of $1,000 during period of coverage
Home Country Extension of Benefits	Up to $1,000, expenses must be incurred within 30 days of returning to your Home Country during period of coverage
Assistance	24 hours - Worldwide

Unexpected recurrence of a pre-existing condition :

(This benefit is only available to U.S. citizens traveling outside the United States) This Plan shall pay up to $500 subject to the chosen Deductible and Coinsurance, for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre- Existing Condition while traveling outside the United States. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage..

Alcohol and drug abuse :

Benefits are paid for Treatment or medication for Alcohol and Drug Abuse, which are not excluded and covered under this policy, shall be considered a Covered Expense. Benefits shall be payable at 50% up to $1,000.

Accidental death & dismemberment :

Benefits shall be paid to you if you sustain an accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that accident must occur within 365 days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If you incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount, shall be payable.

Description of loss	Percent of principal sum
Life	100%
Both Hands or Both Feet or Sight of Both Eyes	100%
One Hand and One Foot	100%
Either Hand or Foot and Sight of One Eye	100%
Either Hand or Foot	100%

Liason Student Insurance - Exclusions and Limitations:

No Benefit shall be payable for Accident Medical, Sickness Medical, Mental Illness, Alcohol and Drug Abuse, Dental, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, and Emergency Medical Reunion, as the result of:

1. Any Pre-existing Condition as defined hereunder. This exclusion does not apply to Emergency Medical Evacuation/ Repatriation or Return of Mortal Remains.
2. Injury or Illness which is not presented to the Company for payment within 3 months of receiving Treatment;
3. Charges for Treatment which is not Medically Necessary;
4. Charges provided at no cost to you;
5. Charges for Treatment which exceed Reasonable and Customary charges;
6. Charges incurred for Surgery or Treatments which are, Experimental/Investigational, or for research purposes;
7. Services, supplies or Treatment, including any period of hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
8. Suicide or any attempts thereof, while sane or self destruction or any attempt thereof, while insane;
9. 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.
mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power.
acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence.
martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the "Occurrences"). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Plan shall not be liable for except to the extent that you prove that such consequence happened independently of the existence of such abnormal conditions.

10. Injury sustained while participating in professional athletics;
11. Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a Disablement established by a prior call or attendance of a Physician;
12. Treatment of the Temporomandibular joint;
13. Vocational, speech, recreational or music therapy;
14. Services or supplies performed or provided by a Relative of yours, or anyone who lives with you;
15. Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this Plan, Treatment of a deviated nasal septum shall be considered a cosmetic condition;
16. Elective Surgery which can be postponed until you return to your Home Country, where the objective of the trip is to seek medical advice, Treatment or Surgery;
17. Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;
18. Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;
19. Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent, unless otherwise covered under this policy;
20. Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with Treatment prescribed and directed by a Physician for a condition which is covered hereunder, but not for the Treatment of drug addiction;
21. Any Mental and Nervous disorders or rest cures, unless otherwise covered under this policy; 22. Congenital abnormalities and conditions arising out of or resulting there from;
23. Expenses which are non-medical in nature;
24. Expenses as a result of, or in connection with, intentionally self-inflicted Injury or Illness;
25. Expenses as a result of, or in connection with, the commission of a felony offense;
26. Injury sustained while taking part in mountaineering where ropes or guides are normally used; hang gliding, parachuting, bungee jumping, racing by horse, motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus, unless PADI or NAUI certified, snorkeling, water skiing, snow skiing, spelunking, parasailing and snow boarding;
27. Treatment paid for or furnished under any other individual or group policy or other service or medical prepayment plan arranged through an employer to the extent so furnished or paid, or under any mandatory government program or facility set up for Treatment without any cost to you;
28. Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this Plan;
29. Routine Dental Treatment;
30. For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage, unless otherwise covered under this Plan;
31. Drug, Treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, Treatment for infertility or impotency, sterilization or reversal thereof;
32. Treatment for human organ tissue transplants and their related Treatment;
33. Expenses incurred while in your Home Country, except as provided under the Home Country Coverage and Home Country Extension of Benefits Coverage;
34. Expenses incurred during a hospital emergency visit which is not of an emergency nature;
35. Injury sustained as the result of the Insured Person operating a motor vehicle while not properly licensed to do so in the jurisdiction in which the motor vehicle accident takes place;
36. Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical Treatment for a condition;
37. Covered Expenses incurred during a Trip after your Physician has limited or restricted travel;
38. Sex change operations, or for Treatment of sexual dysfunction or sexual inadequacy;
39. Weight reduction programs or the surgical Treatment of obesity.