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LCH

Liaison Travel Choice

Underwriter: Lloyd's of London and Tramont Insurance Company

Plan pays 90% of first $5,000; then 100%
(Outside Network: Pays 80% for first $5000, then 100% up to policy max)

Comprehensive coverage plan
Coverage from 5 days to 364 days
Up to $30,000 coverage available for acute onset of pre-existing conditions
Renewable and Cancelable
PPO network (See list of doctors and hospitals)
Covers during international travel
Free Rx Discount Card
Cannot accept an address in Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA).
Not available to Residents of: Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone, Australia, Canada & Switzerland

Policy info

Plan Administrator: Seven Corners

Carrier: Lloyd's of London and Tramont Insurance Company

AM Best Rating: A(Excellent)

Useful Links

PPO Network

Plan Brochure

Policy Description

Liaison Travel Choice insurance is a visitor insurance plan that provides medical insurance coverage and emergency services to individuals and families traveling outside their home country. After the deductible is satisfied, Within the PPO Network, the plan pays 90% for the first $5,000 and 100% thereafter towards eligible covered expenses up to the policy maximum. Outside the PPO Network, the plan pays 80% for the first $5,000 and then 100% up to the policy maximum

Outside the USA, the plan pays 100% up to the policy maximum. Please review Liaison Travel Choice Insurance Brochure or Description on Coverage (policy document) for complete and accurate coverage information.

Benefits

Plan Overview

FAQs

Out-Patient

Dr. / Physician Visit

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5000,then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% for the first $5,000 and then 100% up to the policy maximum
Outside USA : After the deductible is met, plan pays 100% up to the policy maximum.

Surgical Treatment

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% for the first $5,000 and then 100% up to the policy maximum
Outside USA : After the deductible is met, plan pays 100% up to the policy maximum.

Prescription Drugs / Medicines

After the deductible is met, plan pays 80% for the first $5,000 and then 100% up to the policy maximum

Lab & X-rays

Physical Therapy

In-Patient

Hospital Room

Surgical Treatment

Hospital Intensive Care Unit

Emergency Services

Ambulance Expenses

Up to $10,000

Emergency Room(ER)

Dental

Acute, spontaneous and unexpected pain

Up to $200

Accidental emergency

Up to $5,000

Travel

Emergency Medical Evacuation / Repatriation

Up to $500,000

Return of Remains

Up to $50,000

Emergency Reunion

Up to $50,000

Return of minor Child(ren)

Up to $50,000

Trip Interruption

Up to $5,000

Loss of checked Baggage

Up to $500 ($50 per occurrence maximum)

Life

AD&D

$10,000 primary insured & travel companion
$2,500 child
Total limit of $250,000 for total number of insureds on plan

Common Carrier Accidental Death

$25,000 for primary insured & travel companion;
$5,000 child
Total Family limit of $250,000

Other

Pre-Existing Conditions

Acute onset of pre-existing Medical condition for non- US citizens age 69 and under is covered up to a life time maximum of $30,000; For age 70 and over, up to $5,000. $25,000 Maximum per person per Period of Coverage for Emergency Medical Evacuation applies.

Maternity

Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

Up to $50,000

Brochure

Liaison Travel Choice Insurance Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact Number and details can be found on the ID card.

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Plan Administrator Company	Seven Corners
Carrier / Underwriter	Lloyd's of London and Tramont Insurance Company
Eligibility	Liaison Travel Choice provides coverage for individuals while traveling outside of their home country. For US citizens, USA is always the Home Country.
Plan Type	Comprehensive Coverage Plan Percentage based coverage.
AM Best Rating	A (Excellent)
Coverage in U.S.A.	Covered
Coverage outside U.S.A.	Covered
Co-Pay	No Co-pay
Co-Insurance	Within USA: In Network- 10% for the first $5,000 of accumulated expenses only. 100% covered there after up to the policy maximum. Out of Network: 20% for the first $5,000 and 100% covered by the plan after that. Outside USA: No Co-nsurance. Plan pays 100% up to policy maximum, after deductible is met.
How the Benefits are Paid	After the deductible, in the USA, within PPO network, the plan pays 90% for the first $5,000 and then 100% up to the policy maximum Outside PPO Network: the plan pays 80% for the first $5,000 of accumulated expenses; then plan pays 100% to the selected policy maximum. Outside the USA: After the deductible is met, the plan pays 100% up to the policy maximum.
Coverage Type	Lifetime of the policy
Deductible Type	Once Annually or Per Policy Period.
Renewability	Renewable with $5 fee each time you renew up to a maximum period of 364 days.
Cancellation	Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)
PPO Network	UnitedHealthCare
Coverage Length	Min 5 Days to 6 Months In order to repurchase a new policy, you must return to your Home Country for a minimum of 30 days.
Available Deductibles	Choose From: $0, $100, $250, $500, $1000, $2500
Available Coverage	Up to Age 69: Choose From: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000 Ages 80 and over: Limited to $15,000
Provider Directory	By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Plan Brochure	Liaison Travel Choice Insurance Brochure
Home Country Definition	The country where the covered person has his/her true, fixed, permanent home and principal establishment. For US citizens, USA is always the Home Country.
US States Restrictions	Non US resident travelling to the US: Restricts Maryland(MD), Kentucky(KY) and Washington(WA) for a correspondence address Non US resident traveling outside of the US: Restricts British Virgin Islands for a residence address. US resident traveling outside of the US: Restricts Maryland(MD) and Washington(WA) for a residence address.
Country Restrictions	Not available to the residents of Iran, Syria. Residents of Gambia, Ghana, Nigeria, Sierra leone needs to have a US billing address.

EXPLORE PRODUCTS

Liaison Travel Choice

Plan pays 90% of first $5,000; then 100%
(Outside Network: Pays 80% for first $5000, then 100% up to policy max)

Read Liaison Travel Choice Insurance brochure for complete details

Policy info

Useful Links

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support