Liaison Continent - E

Q1. Am I eligible for the Liaison Continent Plan E?

The Liaison Continent Plan E is available for any US or non-US citizen or resident, traveling outside the USA, and their home country and/or country of citizenship, for a short period of time. The Liaison Continent Plan E does not provide coverage in the USA.

Q4. Can I renew the plan, if I plan to stay longer?

Yes, if you buy the plan initially for more than 5 days, you can renew the policy. You would need to renew the plan at least two days before the policy expires. There would be an extra $5 renewal charge. The policy can be renewed for up to a maximum of 187 days.

Q5. Can I cancel the plan, if I plan to go back earlier?

Yes, you can cancel and get a refund for the Liaison Continent Plan, if you need to go back earlier than plan. The following rules apply: 1) You can get refund back, only if you do not need to visit the doctor/provider while the policy is in force. 2) You can get a pro-rated refund for the number of days left in the policy 3) $25 cancellation fee applies. 4) If there is any claim on file, you would not get any refund back. 5) Written request is required for any cancellation.

Q6. Are pre-existing conditions covered by the Liaison Continent Plan?

Pre-existing conditions are not covered by Liaison Continent Plan. However the Liaison Continent Plan covers for an acute onset of pre-existing conditions for people up to 69 years of age. For people up to age 64 the plan covers up to $25,000 for an acute onset of a pre-existing conditions. For people between age 64-69, the plan covers up to $2,000 for an acute onset of a pre-existing conditions. There is no coverage for acute onset of pre-existing conditions for people 70 years and over. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

Q7. What is an acute onset of pre-existing condition?

An acute onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition.

Q8. What is the difference between Liaison Continent Plan E and Plan F ?

The only difference between Liaison Continent Plan Eand Plan F is the percentage the plans cover for eligible expenses. After the deductible is met, the Liaison Continent Plan E covers 100% for eligible expenses, upto the policy maximum. The Liaison Continent Plan F on the the other hand covers 80% of the bill for covered services through out the policy period. It does not cover 100% at any point of the coverage.

Q9. What's the Rx Discount Card that comes with this plan?

This is a discount savings program available to every certificate holder of the Liaison plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

This discount program is not insurance coverage. It is purely a discount program to purchasers of the Liaison Continent plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.

Q11. What is Hazardous Sports Coverage?

Adventure Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Hazardous Spots Rider Coverage. This would cover for the following sports and activities: motorcycle /motor scooter riding (whether as a passenger or a driver), hang gliding, Parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking

Q13. How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q15. When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

Based on the desired coverage length you have selected, you have to make the full payment at once.

Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.