Liaison Student Plus insurance covid - Liaison Student Plus student insurance for Coronavirus
Seven corners Liaison Student coronavirus insurance offers covid 19 medical coverage for international students in the US or outside their home country. It covers student medical expenses arising from Covid19 illness. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.
Seven Corners Liaison Student Plus Insurance Summary
Liaison Student Plus Insurance Coinsurance
Inside the United States
In ppo network: The plan pays 90% of the first $5,000, then 100% to the medical maximum.
Out of ppo network: The plan pays 80% of the first $5,000, then 100% to the medical maximum.
Outside the United States: The plan pays 100%
Renewability - Liaison Student Plus Insurance Renewal
The person can extend coverage as long as the primary participant is eligible for the plan. If you initially buy less than 364 days of coverage, you may buy additional time, from a minimum of 5 days to a total of 364 days. We will email you an extension (renewal) notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.
What is the eligibility to buy Liaison Student Plus Insurance? Liaison Student Plus Eligibility
Non US Citizens and U.S Citizens
International Students, visiting faculty, scholars between 12 and 64 years of age and the student must be engaged in full-time educational, research activities residing outside their home country.
Non US citizens must have a valid J-1, H-3, F-1, M-1 or Q-1 Visa and are covered if destination is the United States.
U.S. citizen must have a current passport and visa issued by their host country and are covered for destinations outside of the United States.
U.S. citizens traveling outside the United States must have a current passport and valid visa issued by your host country, if required. U.S. citizens cannot buy a Liaison Student Plus plan for travel to the United States and U.S. territories.
Requirements for dependents : The primary participant can buy coverage for their legal spouse, legal domestic partner, or legal civil partner, and unmarried children at least 14 days old and under 19 years or under 26 years if attending an accredited institution full-time and/or dependent on the primary participant for maintenance and support.
J visa Requirements
Liaison student Plus meets J visa requirements if you choose a medical maximum of $100,000 or more and a deductible that is not greater than $500.
Does Liaison student Plus plan cover COVID-19?
Yes. See the schedule of benefits and benefit highlights in this brochure for details. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.
Does Liaison Student Plus Insurance cover covid illness??
Seven Corners Covid19 travel insurance by Liaison Student Plus insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Liaison Student Plus Insurance Advantages
Liaison Student Plus Insurance Covid19 travel insurance by Seven Corners for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
Plan details of Liaison student Plus Insurance
Medical Maximum Options (per person per disablement))Ages 14 days to 64 years:$50,000; $100,000; $250,000; $500,000 Ages 60 to 64 years:$50,000; $100,000; $250,000
Hospital Room & BoardURC to medical maximum
COVID-19 TreatmentUsual, Reasonable, and Customary up to Medical Maximum or $100,000; whichever is less.
Emergency Room Services$50 copay
Doctor’s Office Visits$10 copay
Urgent Care Visits$20 copay
Prescription Drugs$10 copay
Vaccinations$150 per 364 days of continuous coverage
Physiotherapy$50 per visit, 60 visits maximum
Spinal Manipulation$50 per visit, 60 visits maximum
Local Ambulance Benefit$500
Coma$25,000 separate from the medical maximum
Felonious Assault $15,000 separate from the medical maximum
Extension of Benefits to Home Country $5,000
Incidental Trips to Home Country$5,000
Waiver of Pre-existing ConditionsUp to medical maximum
Acute Onset of Pre-existing Conditions$10,000
Mental Illness including Alcohol and Substance AbuseInpatient:$10,000, 45-day limit Outpatient:80% up to $1,000
Motor Vehicle Accident Inside the United States75% up to $100,000
Motor Vehicle Accident Outside the United StatesUp to medical maximum
Non-contact Amateur Sports$5,000
Maternity Care Inside the United StatesIn PPO Network:80% up to $10,000 Out of PPO Network:60% up to $10,000
Maternity Care Outside the United States80% up to $10,000
Routine Newborn Care$500 per newborn child
Dental — Sudden Relief of Pain $250
Dental — Accident$1,000
Emergency Medical Evacuation and Repatriation$250,000
Emergency Medical Reunion$200 per day, 10-day limit
Return of Children$40,000
Return of Mortal Remains $50,000
Local Cremation or Burial$5,000
Natural Disaster Evacuation$10,000
Natural Disaster Daily Benefit$50 per day, 5-day limit
Political Evacuation and Repatriation
24/7 Travel Assistance ServicesIncluded
Pre-certification — 25% penaltyRequired inside the United States for specific types of treatment. Penalty does not apply to emergencies.
Hazardous SportsUp to medical maximum
Accidental Death and Dismemberment (AD&D)Primary Insured: $25,000 Principal Sum Eligible Spouse: $10,000 Principal Sum Eligible Child(ren): $5,000 Principal Sum
Excess Insurance :
All coverages except Accidental Death & Dismemberment are in excess of other insurance or similar benefit programs and apply only when such benefits are exhausted. This plan is secondary coverage to other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefits; workers’ compensation benefits/programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance programs or program otherwise required by law or statute; automobile insurance; or third party liability insurance.
How are Liaison Student Plus insurance claims settled?
A completed CLAIM FORMClaims | Seven Corners must be submitted to Seven Corners within 90 days of the date of service. For the claims to be payable, the terms and conditions in the Liaison Student Plus plan document must be satisfied.
Claims can be paid in two ways:
Seven Corners will pay the provider if they do not require an upfront payment by the insured. For this, along with the completed claim form, an itemized bill from the provider is needed.
Seven Corners will reimburse if the insured paid the medical expenses upfront. For this, along with the completed claim form, an itemized bill(showing the insured paid the expenses) is needed.
Important : If the insured is traveling in the US and visits a provider network, do not pay the medical expenses up front and allow the provider to bill Seven Corners. The policy ID Card will provide the information about the PPO network in the US.
Pre-Existing Condition(s) except as waived for Waiver of Pre-existing Conditions, Acute Onset of Pre-existing Conditions, Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Mortal Remains, and Local Burial or Cremation;
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 unless specifically provided for in the Plan 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, unless a Covered Pregnancy, and 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 unless specifically provided for in the Plan, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
Congenital abnormalities and conditions arising out of or resulting there- from.
Exposure to non-medical nuclear radiation or radioactive materials;
Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
Human organ or tissue transplants.
Exercise programs whether prescribed or recommended by a Physician or therapist;
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 Optional Coverage – Hazardous Activities;
Injuries sustained while participating in professional Athletics, amateur Athletics, intercollegiate Athletic or interscholastic Athletics unless specifically provided for in the Plan 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;
Any Illness or Injury sustained while participating in an athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (and/ or any other collegiate sanctioning or governing body), or the International Olympic Committee;
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 Terrorist Activity, 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;
You while in Your Home Country unless covered under Extension of Benefits in Home country and Incidental Trips to Home Country;
Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
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.
Charges for pre-natal care, delivery, post-natal care, and care of Newborns, unless they are for a Covered Pregnancy;
Injury sustained or Disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with the proper dosing as directed by a Physician;
Injury sustained as the result of You operating a Motor Vehicle while not properly licensed to do so in the jurisdiction in which the Motor Vehicle Accident takes place.
Which are the geographic restrictions for Liaison Student Plus insurance? Liaison Student Plus Insurance 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 Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of (North Korea).
Destination Restrictions: The plan will not cover trips to to Antarctica, Islamic Republic of Iran, Syrian Arab Republic Cuba, and Democratic People’s Republic of Korea (North Korea).
What is pre-certification requirements for Liaison Student Plus insurance? Liaison Student Plus Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
Outpatient surgeries or procedures;
Inpatient surgeries, procedures, or stays including those for rehabilitation;
Diagnostic procedures including MRI, MRA, CT, and PET Scans;
Physiotherapy (must include physician’s recommendation and treatment plan); and
Home infusion therapy.
To comply with the pre-certification requirements, you must:
Contact Seven Corners Assist before the expense is incurred;
Comply with Seven Corners Assist’s instructions;
Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your expenses, we will review them to determine if they are covered by the plan. If you do not comply with the pre-certification requirements:
Eligible medical expenses will be reduced by 25%; and
The deductible will be subtracted from the remaining
Coinsurance will be applied.
Pre-certification does not guarantee coverage, payment, or
reimbursement of expenses.
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