Liaison Travel Choice Insurance Reviews, Review of Liaison Travel Choice Medical Insurance for visiting USA

Liaison Travel Choice Insurance

Coverage for travelers travelling outside their home country.
Offers medical maximum of $5 million.
AM Best Rating: "A" (Excellent)
Underwritten by Certain Underwriters at Lloyd's of London.

Liaison Travel Choice

Liaison Travel Choice links

Customer care

Compare Liaison Travel Plans by Seven Corners

Compare and review Liaison travel insurance offered by seven corners; Liaison Travel Economy, Liaison Travel Choice, Liaison Travel Elite plans

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Liaison Travel Economy Insurance satisfies Schengen visa requirements To download the visa letter for liaison Travel Economy insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits. Click on Schengen Visa Letter button to obtain the letter. List of nationalities who need Schengen Visa.

A working example of using Liaison Travel Choice insurance (Offered by Seven Corners)

Consider an example - Inside the PPO Network

Insurance coverage is $50,000
Deductible is $100 per certificate period
Coinsurance for claims incurred inside US After the deductible, 90% of first $5,000 and then 100% to the policy limit
Your claims for medical expenses is $24,100

Below is a simple calculation showing how much the plan/insurance company pays you:

Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
Apply 90% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.90 equals $45000. Insured bears $500
Plan/insurance company pays: $24,000 minus $500 equals $23,500 and insured bears $600

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$100	$0	$100
Days in hospital	$2,000/day for 3 days	$4,500+$1,000	$500 (90% of first $5,000)
Surgery	$16,000	$16,000	$0
Prescription Drugs	$600	$600	$0
X Ray	$1,400	$1,400	$0
Total:	$24,100	$23,500	$600

Consider an example - Out of PPO Network

Insurance coverage is $50,000
Deductible is $100 per certificate period
Coinsurance for claims incurred inside US After the deductible, 80% of first $5,000 and then 100% to the policy limit
Your claims for medical expenses is $24,100

Below is a simple calculation showing how much the plan/insurance company pays you:

Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
Apply 80% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.80 equals $4000. Insured bears $1,000
Plan/insurance company pays: $24,000 minus $1,000 equals $23,000 and insured bears $1,100

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$100	$0	$100
Days in hospital	$2,000/day for 3 days	$4,000+$1,000	$1,000 (80% of first $5,000)
Surgery	$16,000	$16,000	$0
Prescription Drugs	$600	$600	$0
X Ray	$1,400	$1,400	$0
Total:	$24,100	$23,000	$1,100

Advantages
Disadvantages
Restrictions
Exclusions
Claims

Liaison Travel Choice Advantages

Comprehensive visitors insurance.
Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
Only one time deductible per period of coverage.
Cancellation and refund of full premium before policy start date.

Liaison Travel Choice Disadvantages

It is a fixed benefit plan.
$15,000 coverage offered for travelers older than 80 years.
Non US Citizens are not eligible for coverage if they have been residing in the U.S.

Liaison Travel Choice Restrictions

State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
Country Restrictions: The plan will not accept an address in Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.

Liaison Travel Choice Exclusions

For Medical Benefits, this insurance does not cover: Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate. This exclusion does not apply to emergency medical evacuation, emergency medical reunion, return of children, return of mortal remains, and local cremation/burial.
Claims not received by the Company or Administrator within ninety (90) days of the date of service:
Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) received in a Hospital emergency room visit that is not a Medical Emergency;
. Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
Chiropractic care or acupuncture;
Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
Durable medical equipment;
False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eye-glasses unless caused by Accidental Injury, eyeglasses, contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
Vocational, occupational, sleep, speech, recreational, or music therapy;
Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postnatal care, preventing conception or childbirth, artificial insemination, infertility,impotency, sexual dysfunction, or sterilization or reversal thereof;
Sleep apnea or other sleep disorders;
Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
Congenital abnormalities and conditions arising out of or resulting therefrom.
Temporomandibular joint;
Occupational Diseases;
Exposure to non-medical nuclear radiation or radioactive materials;
Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sex-change Surgery;
Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
. Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
(ii) You while in Your Home Country unless covered under Section 3.8 or 3.9;
Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
Travel accommodations;
Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and
Participating in contests of speed or riding or driving in any type of competition
Loss of life;
Long-term disability; or
Financial guarantee, financial default, bankruptcy, or insolvency risks.

Liaison Travel Choice claims
Please visit: : Seven Corners Claims Forms
Toll Free Number: 1.800.335.0477
Claims Department:
Email: claims@sevencorners.com
Fax: (+1) 317-575-2256
Seven Corners, Inc
. Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA

What are some insurance terms important in Liaison Travel Choice Insurance reviews?

Plan Maximum coverage of Liaison Travel Choice travel insurance:
This the maximum coverage that the plan would offer for the medical expenses. Liaison Travel Choice insurance offers maximum coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum, Liaison Travel Choice offer $15,000 maximum for older travelers above 80 years.
What is a deductible in Liaison Travel Choice visitors insurance?
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Liaison Travel Choice insurance offer a set of deductible options for the travelers to choose from. Liaison Travel Choice insurance has a range of deductible option from $0 up to $5,000.
What is a provider network of Liaison Travel Choice Medical Insurance?
It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
What is coinsurance in Liaison Travel Choice visitor insurance?
This is a percentage of the bill that the travel has to pay. Liaison Travel Choice plan have 100% coinsurance coverage outside USA.
For coverage inside USA:
Liaison Travel Choice pays
IN PPO NETWORK
90% of the first $5,000, then 100% to the medical maximum.
OUT OF PPO NETWORK
80% of the first $5,000, then 100% to the medical maximum.
Renewability of Liaison Travel Choice Travel health insurance
Liaison Travel Choice Insurance can be renewed from 5 days to 364 days.
Eligibility to buy Liaison Travel Choice Insurance Online
Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
Liaison Travel Choice Pre-existing conditions Visitors Insurance for international travelers
Liaison Travel Choice insurance offers coverage for acute onset of pre-existing conditions up to the age of 70 years for acute onset of pre-existing conditions.
Liaison Travel Choice offers
$30,000 for travelers aged 0-69 years
$5,000 for travelers above 70 years