Liaison Travel Plus Medical Travel Insurance for Coronavirus
Seven corners Liaison coronavirus travel insurance offers coverage for overseas medical expenses arising from Covid19 infection while the travellers are outside their home country. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and Any mutation or variation of SARS-CoV-2.
Seven Corners Liaison Travel Plus Insurance satisfies Schengen requirements. Choose a $0 deductible to be sure you meet Schengen visa travel insurance requirements. Travelers who are 65 years and older will not meet the minimum requirements for a Schengen visa on the Liaison Travel Plus Insurance. To download the visa letter for Liaison Travel Plus insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits. List of nationalities who need Schengen Visa.
Seven Corners Liaison Travel Plus Insurance Summary
What is the eligibility to buy Liaison Travel Plus Insurance?
Individuals and families including unmarried dependent children traveling outside of their Home Country.
Liaison Travel Plus Insurance Coinsurance
Inside the United States
In ppo network: The plan pays 90% of the first $5,000, then 100% to the medical maximum.
Out of ppo network: The plan pays 80% of the first $5,000, then 100% to the medical maximum.
The person can extend coverage as long as the primary participant is eligible for the plan. If you initially buy less than 364 days of coverage, you may buy additional time, from a minimum of 5 days to a total of 364 days. We will email you an extension (renewal) notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.
Yes. See the schedule of benefits and benefit highlights in this brochure for details. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.
Plan details of Liaison Travel Plus Insurance
Medical Maximum Options (Worldwide Including the United States)Ages 14 days to 64 years:$50,000; $100,000; $500,000; $1,000,000 Ages 65 to 69 years:$50,000; $100,000 Ages 70 to 74 years: $50,000
Medical Maximum Options (Worldwide Excluding the United States)Ages 14 days to 64 years:$50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000 Ages 65 to 74 years:$50,000; $100,000
Hospital Room & BoardURC to medical maximum
COVID-19 TreatmentUsual, Reasonable, and Customary up to Medical Maximum or $100,000; whichever is less.
Emergency Room Services$100 copay
Urgent Care Visits$20 copay
Physiotherapy$50 per visit, 10 visits maximum
Chiropractic Care$50 per visit, 10 visits maximum
Local Ambulance Benefit$10,000
Hospital Indemnity$150 per day, 30-day limit
Coma benefit$25,000 separate from the medical maximum
Felonious assault$10,000 separate from the medical maximum
Extension of Benefits to Home Country$10,000
Incidental Trips to Home Country$10,000
Acute Onset of Pre-existing Conditions Worldwide Including the United StatesAges 14 days to 64 years: $10,000 Ages 65 to 74 years :$5,000
Acute Onset of Pre-existing Conditions Worldwide Excluding the United StatesAges 14 days to 64 years: $50,000 Ages 65 to 74 years :$10,000
Dental — Sudden Relief of Pain$200
Dental Emergency — Accident$500
Emergency Eye Exam$100 per occurrence $50 copay
Emergency Medical Evacuation & Repatriation$500,000
Benefit period180 days
Emergency Medical Reunion$200 per day, 10-day limit
Return of Children$50,000
Local Cremation or Burial$5,000
Natural Disaster Evacuation$50,000
Natural Disaster Daily Benefit$100 per day, 5-day limit
Political Evacuation & Repatriation$10,000
Pre-certification — 25% penaltyRequired inside the United States for specific types of treatment. Penalty does not apply to emergencies.
Accidental Death and Dismemberment (AD&D)Primary Insured or Travel Companion $25,000 Principal Sum Eligible Dependent Children $5,000 Principal Sum Aggregate limit of $250,000 for total number of insureds on the plan
Common Carrier Accidental DeathPrimary Insured or Travel Companion $50,000 Principal Sum Eligible Dependent Children $10,000 Principal Sum Aggregate limit of $250,000 for total number of insureds on the plan
Loss of Checked Baggage$50 per article, $500 per occurrence
Travel Delay$100 per day, 2-day limit per occurrence
Lost or Stolen Travel Documents$100
Border Entry Protection$500
Hazardous SportsUp to medical maximum
Excess Insurance :
All coverages except Accidental Death & Dismemberment are in excess of other insurance or similar benefit programs and apply only when such benefits are exhausted. This plan is secondary coverage to other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefits; workers’ compensation benefits/programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance programs or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.
How are Liaison Travel Plus insurance claims settled? Liaison Travel Plus Insurance Claims
Pre-Existing Condition(s) except as waived under Waiver of Pre-Existing Conditions and Acute Onset of Pre-Existing Conditions.
Claims not received by the Company or Administrator within ninety (90) days of the date of service:
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;
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;
Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
Chiropractic care or acupuncture;
Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
Durable medical equipment;
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;
Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
Vocational, occupational, sleep, speech, recreational, or music therapy;
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;
Sleep apnea or other sleep disorders;
Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
Congenital abnormalities and conditions arising out of or resulting therefrom;
Exposure to non-medical nuclear radiation or radioactive materials;
Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
Human organ or tissue transplants;
Exercise programs whether prescribed or recommended by a Physician or therapist;
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;
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;
Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Optional Coverage – Hazardous Activities;
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;
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;
Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self- inflicted Injury or Illness;
Terrorist Activity except as provided under Terrorist Activity; War, Hostilities, or War-Like Operations;
Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
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;
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;
Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
You while in Your Home Country unless covered under Extension of Benefits in Home Country or Incidental Trips to Home Country;
Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
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;
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;
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
Participating in contests of speed or riding or driving in any type of competition;
Loss of life;
Long-term disability; or
Financial guarantee, financial default, bankruptcy, or insolvency risks.
Which are the geographic restrictions for Liaison Travel Plus insurance? Liaison Travel Plus Insurance 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 Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People's Republic of Korea (North Korea).
Destination Restrictions: The plan will not cover trips to to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, Cuba, and Democratic People's Republic of Korea (North Korea).
What is pre-certification requirements for Liaison Travel Plus insurance? Liaison Travel Plus Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
Outpatient surgeries or procedures;
Inpatient surgeries, procedures, or stays including those for rehabilitation;
Diagnostic procedures including MRI, MRA, CT, and PET Scans;
Physiotherapy (must include physician’s recommendation and treatment plan); and
Home infusion therapy
Home Health Care.
To comply with the pre-certification requirements, you must:
Contact Seven Corners Assist before the expense is incurred;
Comply with Seven Corners Assist’s instructions;
Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your expenses, we will review them to determine if they are covered by the plan. If you do not comply with the pre-certification requirements:
Covered expenses will be reduced by 25%; and
The deductible will be subtracted from the remaining 75%; and
Coinsurance will be applied.
Pre-certification does not guarantee coverage, payment, or
reimbursement of expenses.
Provider network and how to find hospital or doctor?
Seven Corners maintains a wide network of health care providers. In US there are 3 options: United health care, Multiplan and PHCS Out of Area Network.
You need to check your insurance card to find any one of the below 3 logos:
Outside US: Wellabroad.com to use Seven Corners’ International Network
While calling your provider network, you need to say "my coverage uses United healthcare or Multiplan PPO network and found your name on the registry".
Do not say
"I have Liaison plans or I use seven corners plan". The provider will not identify your coverage and may say that you are not covered.
Find Provider Network
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