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Liaison Student Basic insurance review

Liaison Student Basic
Insurance provider
Seven Corners
Plan life
5 days to 364 days
Liaison Student Elite Insurance can be renewed online
Deductible options?
$0, $50, $100, $250, $500, $1,000
Policy maximum?
$5,000,000
PPO Network
Liaison Student Basic insurance reviews
Seven Corners Liaison Student Basic insurance reviews.
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Liaison Student Basic links

  • Brochure
  • Advantages
  • Disadvantages
  • Comprehensive
  • Claims
  • Renewal
  • Provider Network
  • Cancellation

Liaison Student Basic Insurance – Key Highlights

  • US citizens going outside their home country and Non US citizens coming to the US are eligible to buy the Liaison Student insurance
  • The maximum lifetime of the plan is 364 days.
  • The plan has a policy maximum of $5,000,000 available
  • There is coverage available for vaccinations. The Basic plan provides $100, per 364 days of continuous coverage.
  • There is a coma benefit of $10,000 available with this plan.
  • There is a 364 days waiting period for the waiver of pre-existing condition.
  • Acute onset of pre-existing condition is available for up to $5,000.
  • For pregnancy coverage, conception must occur 180 days after coverage begins.

Seven Corners Liaison Student Basic Insurance

  • Cheapest plan offering limited coverage.
  • Ideal for applicants looking for affordable coverage.
  • Plan is available from 12 to 64 years of age.
  • AM Best Rating: "A" (Excellent)
Liaison Student basic

Liaison Student Basic

Eligibility of Liaison Student Basic

  • Non US Citizens and U.S Citizens:
    • International Students, visiting faculty, scholars between 12 and 64 years of age and the student must be engaged in full-time educational, research activities residing outside their home country.
    • Non US citizens must have a valid J-1, H-3, F-1, M-1 or Q-1 Visa and are covered if destination is the United States.
    • U.S. citizen must have a current passport and visa issued by their host country and are covered for destinations outside of the United States.
  • Dependents: lawful spouse and children under 26 years are also covered

Compare Liaison International Student Health Plans by Seven Corners

Compare and review Liaison Student insurance offered by seven corners; Liaison Student Basic, Liaison Student Choice, Liaison Student Elite plans.
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Satisfies US J1 visa requirements Liaison student Basic plan meets J visa requirements if you choose a medical maximum of $100,000 or more and a deductible less than $500

A working example of using Liaison Student Basic insurance (Offered by Seven Corners)

Consider an example - Inside the PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 80% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 80% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.80 equals $4000. Insured bears $1,000
  3. Plan/insurance company pays: $24,000 minus $1,000 equals $23,000 and insured bears $1,100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $4,000+$1,000 $1,000 (80% of first $5,000)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24,100 $23,000 $1,100

Consider an example - Out of the PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 70% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 80% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.70 equals $3,500. Insured bears $1,500
  3. Plan/insurance company pays: $24,000 minus $1,500 equals $22,500 and insured bears $1,600
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $3500+$1,000 $1500 (70% of first $5,000)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24,100 $22,500 $1,600

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  • Advantages
  • Disadvantages
  • Restrictions
  • Exclusions
  • Claims
adv-icon Liaison Student Basic Advantages
  • Deductible per period of coverage.
  • Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get pro-rata refund after deducting the cancellation charges.
  • Part of a PPO network available.
disad-icon Liaison Student Basic Disadvantages
  • Plan does not pay 100% of medical maximum. Co-insurance applies.
  • Co-pay for prescription drugs inside the US.
  • Pre-existing diseases covered only after 364 days waiting period.
  • Lesser benefits when compared to more expensive plans.
special-coverage Liaison Student Basic Restrictions
  • State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
  • Country Restrictions: The plan will not accept an address in Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
exclusion-icon Liaison Student Basic Exclusions
  1. For Medical Benefits, this insurance does not cover: Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate. This exclusion does not apply to emergency medical evacuation, emergency medical reunion, return of children, return of mortal remains, and local cremation/burial.
  2. Claims not received by the Company or Administrator within ninety (90) days of the date of service:
  3. Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) received in a Hospital emergency room visit that is not a Medical Emergency;
  4. . Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
  5. Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
  6. Chiropractic care or acupuncture;
  7. Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
  8. Durable medical equipment;
  9. False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eye-glasses unless caused by Accidental Injury, eyeglasses, contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
  10. Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
  11. Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
  12. Vocational, occupational, sleep, speech, recreational, or music therapy;
  13. Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postnatal care, preventing conception or childbirth, artificial insemination, infertility,impotency, sexual dysfunction, or sterilization or reversal thereof;
  14. Sleep apnea or other sleep disorders;
  15. Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
  16. Congenital abnormalities and conditions arising out of or resulting therefrom.
  17. Temporomandibular joint;
  18. Occupational Diseases;
  19. Exposure to non-medical nuclear radiation or radioactive materials;
  20. Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
  22. Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  23. Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
  24. Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sex-change Surgery;
  25. Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  26. Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
  27. Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
  28. . Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
  29. Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
  30. Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
  31. Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  32. You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
  33. Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
  34. Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  35. (ii) You while in Your Home Country unless covered under Section 3.8 or 3.9;
  36. Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
  37. Travel accommodations;
  38. Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
  39. Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
  40. Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and
  41. Participating in contests of speed or riding or driving in any type of competition
  42. Loss of life;
  43. Long-term disability; or
  44. Financial guarantee, financial default, bankruptcy, or insolvency risks.
claims-icon Liaison Student Basic claims
Please visit: : Seven Corners Claims Forms
Toll Free Number: 1.800.335.0477
Claims Department:
Email: claims@sevencorners.com
Fax: (+1) 317-575-2256
Seven Corners, Inc
. Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA

What are some insurance terms important in Liaison Student Basic Insurance reviews?

  • Plan Maximum coverage of Liaison Student Basic insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Liaison Student Basic insurance offers maximum coverage up to $5,000,000.
  • What is a deductible in Liaison Student Basic insurance?
    This is the initial amount the student needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Liaison Student Basic insurance offer a set of deductible options for the students to choose from. Liaison Student Basic insurance has a range of deductible options from $0 to $1,000.
  • What is coinsurance in Liaison Student Basic insurance?
    This is a percentage of the bill that the student has to pay. Liaison Student Basic plan have 100% coinsurance coverage outside USA.
    For coverage inside USA:
    Liaison Student Basic pays
    IN PPO NETWORK
    The plan pays 80% of the first $5,000, then 100% to the medical maximum.
    OUT OF PPO NETWORK
    The plan pays 70% of the first $5,000, then 100% to the medical maximum.
  • What is a provider network of Liaison Student Basic Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Liaison Student Basic student health insurance
    Liaison Student Basic Insurance can be renewed from 5 days to 364 days.
  • Liaison Student Basic Pre-existing conditions for international students.
    It offer covers medical covered expenses up to $5,000.
  • Liaison Student Basic Underwritten by Certain Underwriters at Lloyd's of London and rating A (Excellent) by AM Best rating.

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