Comparison of Plans for Pre-existing conditions |
Fixed Benefits Plan |
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Maximum Benefit |
Deductible |
Eligibility |
Co-insurance |
Pre-existing condition coverage |

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US$25,000, US$50,000 or US$100,000 |
US$0, US$50 or US$100 |
14 days to 80+ years |
Plan will pay 100% of the covered amount. |
Up to $5,000 in coverage for Myocardial Infarction (heart attack) or Stroke |

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US$50,000, $75,000, $100,000 or $130,000. For 70+ age group coverage is limited to $50,000 and $70,000 |
$0, $50 or $100 per each injury or sickness |
Minimum of 14 days old onwards up to 70+ years. Policy must become effective within 12 months of arrival in US. |
N/A |
Should the Insured Person suffer a Myocardial Infarction or Stroke during the Period of Coverage and it is determined to be a "Pre-Existing Condition," coverage for those expenses will be covered up to the Pre-Existing Condition Benefit maximum, according to the Schedule of Benefits. |
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Comprehensive Benefits Plan |
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Maximum Benefit |
Deductible |
Eligibility |
Co-insurance |
Pre-existing condition coverage |

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US$50,000 to US$1,000,000 |
US$0, US$100, US$250, US$500, US$1000 or US$2500 |
Travelers outside their home country and more than 14 days old. |
Within U.S & Canada: Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
Outside U.S & Canada: Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit. |
If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. |

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US$50,000, $100,000, $500,000 or $1,000,000 |
$0, $100, $250, $500, $1000 or $2500 |
14 days to 80+ years |
Inside the U.S and Canada: After you pay the deductible, the program pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Maximum.
Outside the U.S and Canada: After you pay the deductible, the program pays 100% to the selected Maximum. |
Up to $20,000 for U.S. citizens traveling outside the United States.
For foreign nationals visiting the United States, up to $200 per day for each night spent in the hospital after being admitted for either a heart attack or stroke. Max. Benefit of $3,000
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$1,000,000, $5,000,000, $8,000,000 |
US$0 to $25,000 per each injury or sickness. Family deductible of three times the individual deductible |
For visitors over 65, initial period of coverage must be within 30 days of arrival in the United States. |
Coinsurance - for treatment received outside the U.S & CanadaNo coinsurance
Coinsurance - for treatment received within the U.S & Canada In the PPO Network - 100%. Out of the PPO Network - 90% of eligible expenses up to $5,000, then 100% up to the policy maximum limits |
Coverage up to $20,000 for a Sudden and Unexpected Recurrence of a Pre-existing Condition for non-U.S. citizens up to age 65 |

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US$50,000; $100,000; $500,000; $1,000,000 (ages 80+, maximum limited to $15,000) |
$0; $100; $250; $500; $1000; $2500 |
Liaison Continent provides coverage, for individuals and families (including unmarried dependent child(ren) over 14 days and under 19 years of age) while traveling outside of their Home Country.
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Inside the United States and Canada:
- Plan A After you pay the deductible, the program pays 80% of the next $2,500 of eligible expenses, then 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
- Plan B After you pay the deductible, the program pays 75% of eligible expenses to the selected Medical Maximum.
Outside the United States and Canada:
- Plan E After you pay the deductible, the program pays 100% to the selected Medical Maximum.
- Plan F After you pay the deductible, the program pays 80% of eligible expenses to the selected Medical Maximum. |
Non U.S. Citizens traveling to the United States - If the travelers are under age 70, they are covered for an Acute Onset of a Pre-existing Condition as defined below:
Coverage is available up to $15,000 Lifetime Maximum for Eligible Medical Expenses and up to $25,000 Lifetime Maximum for Emergency Medical Evacuation. |