Schedule of Coverage
All coverages and plan costs listed in this brochure are in U.S.
Dollar amounts.
medical maximum: $50,000; $100,000; $500,000; $1,000,000 (ages 80+,
maximum limited to $15,000)
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 your
Policy Period, maximum six(6) months. (see Continuing Coverage)
coinsurance:
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.
hospital indemnity: $150 / night (traveling outside the U.S. and Canada)
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)
home country coverage: 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 (ad&d): $50,000 Principal Sum
for Insured or Insured Spouse, $5,000 for Dependent Child(ren).
common carrier accidental death: $100,000 per adult, $25,000 per
child(ren) under age of 18; $250,000 Maximum per family
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 expenses: 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 and Canada (refer to exclusion #1 for details)
benefit period: Six months
Why choose seven corners?
value
Seven Corners utilizes widely recognized and reputable insurance organizations to underwrite our programs. We realize that the value of an insurance program is in the professionalism of the underlying organization. Seven Corners continually invests in its people, systems, and solutions to make the insurance buying experience a favorable one for our clientele.
convenience
Our program brochures and documentation offer a detailed description of the product and underlying coverage.
doctors & hospitals worldwide
Seven Corners has access to over 12,000 doctors and hospitals worldwide. With one phone call, we can assist you in locating a provider. Seven Corners’ Assist is trained to help you locate appropriate care.
why continent 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, Liaison® Continent offers medical coverage and
emergency services to individuals and families traveling outside
their Home Country. This brochure is a brief description of Liaison®
Continent. For a full description, please visit our website at www.sevencorners.com. After you have purchased the program a
complete Program Summary will be mailed to you.
eligibility
Home Country is defined as - The country where a covered
person(s) has his/her true, fixed and permanent home and
principal establishment.
In order to repurchase an additional policy, you must return to
your Home Country for a minimum of thirty (30) days.
description of coverage
period of coverage
The minimum period of coverage under Liaison® Continent is
five (5) days, maximum is six (6) months (see Continuing Coverage
section). Coverage can be purchased in a combination of
monthly and/or daily increments by paying the appropriate plan
cost. If you are traveling for a long period of time, please refer to “Continuing Coverage” section.
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.
medical
When you incur 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 Medical Maximum. Only such expenses, incurred as the result of an Injury or Illness, which are specifically enumerated in the following list of charges, are incurred within six (6) 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 (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 metropolitan area) to and from the nearest Hospital with facilities for required treatment. If the covered person is in a rural area and unreachable by ground ambulance, then licensed air 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 available to you provided you have purchased one (1) or more months of coverage. Treatment necessary to resolve acute, spontaneous and unexpected inception of pain to sound 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 commences during the Period of Coverage that
results in a Medically Necessary Emergency Medical Evacuation
or Repatriation (your medical condition warrants immediate
transportation from the medical facility where you are located to
the nearest adequate medical facility where medical treatment can
be obtained). This benefit must be arranged by the Assistance
Company in consultation with the local attending Physician.*
return of mortal remains
The Program will pay the reasonable Covered Expenses incurred
up to a maximum of $50,000 to return your remains to your
Home Country, if you should die.*
emergency medical reunion
When Emergency Medical Evacuation or Repatriation is
arranged and the attending Physician recommends that a family
member travel with you, the program will arrange and pay, up
to $50,000, for round-trip economy-class transportation for one
individual of your choice, from your Home Country, to be at your
side while you are hospitalized and then accompany you during
your return to your Home Country.*
return of minor child(ren)
If you are traveling alone with a Minor Child(ren) and are
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 $50,000 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 a 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 you $150 for each
night spent in the hospital (this benefit is in addition to any other
covered expenses of the program).
interruption of trip
If you are 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 your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.). The program will reimburse you (up to $5,000) for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return you home to your area of principal residence.*
loss of checked luggage
If your checked luggage is permanently lost by the airline, the program will reimburse you 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. You must furnish proof to the Company that full reimbursement has been obtained from the airline.
assistance services
Upon enrollment into Liaison® Continent, you are eligible to use any of the assistance services provided by the Assistance Services 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
home country coverage
Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country (60 days per 12 months of purchased coverage or pro rata thereof - example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any Illness or Injury occurring while on an incidental trip to your Home Country.
Follow Me Home Coverage
This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions that are first diagnosed and treated outside Your Home Country (Does not apply for Emergency Medical Evacuation or Repatriation).
*NOTE: In the event of Emergency Medical Evacuation, Repatriation, Return of Mortal Remains, Emergency Reunion, Return of Minor
Child(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.
options
continuing coverage
You do not have to pay premium for your entire trip all at once.
The minimum Period of Coverage is five (5) days. Prior to the
expiration date, Seven Corners will send out a renewal notice
to your e-mail address, providing you the opportunity to
extend coverage. This can be done as many times as you like
up to a maximum Period of Coverage of six (6) months. A $5.00
Administrative Fee will be included on each notice. If you would
like to purchase additional coverage, you must return to your
Home Country for a minimum of thirty (30) days.
It is the insured person’s responsibility to maintain all records
regarding travel history, age, student status and provide any
documents to the Administrator, which would verify the
Eligibility Requirements.
hazardous sport coverage
To cover motorcycle/motor scooter riding, 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.
pre-notification / referral
In order to ensure your claims are addressed as efficiently as possible,
you or the provider of service must contact the Assistance Company
for Pre-notification prior to any medical treatment received in
the U.S., as well as hospital admissions and inpatient / outpatient
surgeries incurred worldwide. The Assistance Company has trained
personnel available twenty-four (24) hours a day, seven (7) days a
week to answer your questions, provide assistance, and guide you
to an appropriate facility. In the case of an Emergency Admission,
the Assistance Company must be contacted within forty-eight (48)
hours, or as soon as reasonably possible. Pre-notification does not
guarantee that benefits will be paid. Failure to Pre-notify will result in
a 20% reduction in Eligible Benefits.
Please be aware that this is not a general health insurance
policy, but an interim, limited benefit period, travel medical
program intended for use while away from your Home
Country. Liaison® Continent does not guarantee payment
to a facility or individual for medical expenses until Seven
Corners determines that it is an eligible expense.
refund of 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
Filing a claim with Seven Corners is easy. You will receive a
Liaison® Continent identification card and claim form after your
application has been processed. When you receive treatment,
send the original, itemized bills to Seven Corners within ninety
(90) days. 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 health care providers worldwide.
You’re only responsible for your deductible, coinsurance and
non-eligible expenses. For more details, consult the Program
Summary that is provided on your virtual ID card or contact the
Seven Corners Claim Department.
exclusions
For Medical benefits, this Insurance does not cover:
- Any Injury or Illness that meets the following criteria:
a)
condition(s) that would have caused a person to seek
medical advice, diagnosis, care or treatment during
the thirty-six (36) 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 thirtysix
(36) months prior to the Effective Date of coverage
under this Policy. Any condition(s) which are regarded as
pre-existing will not be covered for the duration of the
policy, except as noted below.
If you are traveling outside the United States and Canada, the
period is twelve (12) months instead of thirty-six (36) months.
If you are a United States citizen and the United States is your
Home Country, 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.
Any exclusion specifically listed in exclusions, 2 through 22, will
not receive benefits from this waiver.
- 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, Music
Therapy, or durable medical equipment.
- Expenses which were not recommended, approved and
certified as Medically Necessary and reasonable by a
Physician.
- Suicide or any attempt there of, while sane, or self
destruction or any attempt there of, while insane;
intentionally self-inflicted Injury or Illness; or expenses as
a result of, 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 nor), or civil war; terrorist activity;
nuclear, chemical, biological; (details in program summary).
- Injury sustained while participating in professional,
sponsored and/or organized Amateur or Interscholastic
Athletics.
. • A sponsored and / or organized Amateur or Interscholastic
Athletic event incudes training camps, team sports, or any
formal grouping of people participating in one or multiple
events that may / may not require a fee for participation.
- Routine physicals, inoculations, or other examinations
where there are no objective indications or impairment in
normal health.
- Chiropractic care or acupuncture.
- 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 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
that 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, motorcycle / motor
scooter riding (whether as a passenger or driver), scuba
diving involving underwater breathing apparatus (unless
PADI or NAUI certified), water skiing, wakeboard riding, jet
skiing, windsurfing, snowmobiling, snow skiing and snow
boarding. (Please see Optional Hazardous Sports Coverage to
include some of these sports.)
• Mountaineering shall mean the sport, hobby or profession
of walking, hiking, and climbing up mountains either:
1) utilizing harnesses, ropes, crampons or ice axes; or 2)
ascending 4500 meters or above.
• 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 you.
- Treatment of venereal or sexually transmitted disease.
- Pregnancy expenses or Illness resulting from pregnancy,
childbirth, or miscarriage; or for miscarriage resulting from
an Accident or Complications of Pregnancy.
- Drug, treatment or procedure that either promotes or
prevents conception, or prevents childbirth.
- Expenses incurred while you are in your Home Country
(except as provided under the Home Country Coverage benefit).
- Expenses incurred for which travel was undertaken to seek
medical treatment for a condition; or incurred after the
Covered person’s physician has limited or restricted travel.
- Expenses for Home Health Care does not include food,
housing, homemaker services, or Physician charges which
are covered elsewhere in the Policy, Therapy services which
are covered elsewhere in the Policy and environmental
supplies such as: hand rails, ramps, special telephones, air
conditioners, home delivered meals, etc. The caregiver
cannot be a relative of the Insured Person and the care
must not be provided primarily for therapeutic value and
not to assist in activities of daily living or Custodial Care.
See Program Summary for a complete list of exclusions.
seven corners assist
Seven Corners Assist is a leading provider of customized emergency assistance services to international organizations, corporations, government entities, insurance companies, and individual travelers. Regardless of the location, Seven Corners Assist provides valuable assistance in locating the best possible medical treatment.
the insurance company
Liaison® Continent is underwritten by Certain Underwriters
at Lloyd’s, London and is rated A “Excellent” by A.M. Best. In
addition to being one of the largest insurance entities in
the world, Lloyd’s has over 300 years of experience in the
international insurance business.
the program administrator
Medical care is different throughout the world and providing quality medical attention should be the ultimate goal of any program. Most companies are not prepared to meet the unique needs of international travelers. An organization must be equipped to address foreign currencies, international doctors and hospitals, as well as unusual claim forms and documents. Liaison® Continent is designed and administered by Seven Corners, Inc. The claim and assistance professionals at Seven Corners collectively have over 250 years of experience in claim processing and administration.
seven corners
Since 1993, Seven Corners, Inc. has alleviated many of the concerns with international travel by providing insurance plans to private citizens, governments, missionaries, students, and corporations of various nations around the globe. Each year, thousands of insured's purchase coverage from Seven Corners in order to obtain the most comprehensive and reliable products in the international insurance industry.
Our assistance professionals are experienced in the complexity and importance of receiving medical care internationally. As an insured of Seven Corners, you can feel confident that there is someone ready to assist you with a medical situation 24 hours a day, 7 days a week, 365 days a year. |
