Liaison Student Plan Details |
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Policy Maximum
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$250,000 Primary Insured, $50,000 Spouse/Child .
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Deductible
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- Non U.S. Students: $100 if not first treated by the Student Health Center (or if there is no Student Health Center) $50 if first treated by the Student Health Center.
- US Citizens: Options: $50 / $0.
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Co-insurance
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- Non U.S. Students: 80% to $10,000, then 100% to plan maximum.
- US Citizens: 100% to plan maximum.
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Pre-Existing Condition Definition |
- Pre-existing Condition shall mean any condition for which a licensed Physician was consulted, or for which Treatment or Medication was prescribed, or for which manifestations or symptoms would have caused a person to seek medical advice 24 months prior to the Effective Date of coverage. If the Injured Person is covered under the Policy for 24 consecutive months, the Pre-existing Condition exclusion will no longer apply and any eligible expenses incurred thereafter will be considered for reimbursement.
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Coverage
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- Unexpected Recurrence of a Pre-Existing Non
U.S. Students: N/A Condition
- Maternity
- Injuries from a Motor Vehicle Accident
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- Injuries from a Motor Vehicle Accident
- Alcohol and Drug Abuse
- Sports-related Injuries
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Plan Life
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The minimum period of coverage under Liaison Student is 15 days, maximum is 12 months |
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Comparative Advantages of Liaison Student Insurance
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- This plan covers both Us and international students traveling outside their home country.
- Students who are on J1, H3,F,M or Q visa can purchase this plan.
- Full refund when cancellation request is received before the insurance start date. If the cancellation request is received after the insurance start date, only the unused portion of the insurance policy days will be refunded after withholding the cancellation charges.
- This plan also covers for spouse and dependent child.
- Good PPO network both within the US and outside the US.
- Unexpected recurrence of a pre-existing condition up to $500 subject to deductible and coinsurance.
- Deductible per injury/illness for US students is $0/$50. For non Us students $100 deductible but if first treatment is taken in the student health center, then the deductible is $50.
- 80% of $10,000 then 100% to plan maximum or 100% of coinsurance depending on the plan chosen.
- There is no copay for US citizens for written prescription of generic medicines and brand name but for non Us citizens, there is a copay of $10 for generic and $20 for brand name medicines.
- This policy covers for maternity, mental illness, alcohol and drug abuse, injuries from a motor vehicle accident, sports related injuries etc.
- It also covers for repatriation, medical evacuation, emergency reunion, home country coverage and AD&D
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Some Limitations
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- Pre-notification penalty is 50% of eligible medical expenses.
- There is no preexisting cover for non US citizens.
- $50,000 coverage for spouse and children
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