Liaison Continent Insurance FAQs |
Q1. Am I eligible for the Liaison Continent Plan?
The Liaison Continent Plan B plan is available for: 1) any non-US citizen or resident, visiting the USA, and any other country, outside their home country for a short period of time.
2) It is not available for US citizens, US Green Card Holders or long term visa holders, who pay taxes in the USA, for trips to the USA. 3) You can buy the plan before arriving in the USA. If you are already in the USA, you would need to buy within 3 months of being in the USA. If you have already been in the USA for more than 3 months, you can no longer purchase the Plan.
4) The plan is available for a minimum of 5 days and a maximum of 187 days.
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Q2. What Information do I need to buy the Plan?
You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan.
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Q3. When will I receive my ID card?
You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance.
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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.
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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.
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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 69 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.
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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.
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Q8. What is the difference between Liaison Continent Plan A and Plan B?
The only difference between Liaison Continent Plan Aand Plan B is the percentage the plans cover for covered expenses. After the deductible is met, the Liaison Continent Plan A covers 80% for the first $5,000 of the covered bill, and then 100% after that up to the policy maximum. The Liaison Continent Plan B on the the other hand covers 75% of the bill for covered services through out the policy period.
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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.
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Q10. What is the Incidental Home Country Coverage?
During the policy period, if you need to go back to your home country for a short trip, and come back again, then the plan would cover for short trips. The maximum number of days covered in incidental trip home is 30 days. The trip must not be taken for medical purposes. Incidental home country coverage does not apply to final trip to home country.
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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
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Q12. Which doctor or hospital can I go to?
You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Liaison, which is the United Health Care PPO Network.
You can search for doctors or hospitals in this Provider Directory.
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Q13. How do I use this insurance?
Please refer to the following article about the policy usage: How to use Visitor Insurance?
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Q14. How do I file a claim?
Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process
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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.
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Q16. Where can I find answers to other questions I have?
Please refer to Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section. If you still have questions, please call our support line toll free: 1.866.384.9104
Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information
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