Liaison Student Choice medical insurance covers international students and other educational professionals. It can be renewed as long as the student satisfy the eligibility requirements and also offers coverage for motor vehicle accident, mental illness, acute onset of pre-existing conditions, personal liability, maternity and hazardous sports.
Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get pro-rata refund after deducting the cancellation charges.
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Underwritten by Certain Underwriters at Lloyd's of London
Liaison Student Choice insurance rating
AM Best rating : A (Excellent)
Liaison Student Choice coinsurance
Inside the United States
In ppo network:We pay 90% of the first $5,000, then 100% to the medical maximum.
Out of ppo network: We pay 80% of the first $5,000, then 100% to the medical maximum.
Liaison Student Choice insurance refund
Seven Corners will provide a refund of your plan cost if they receive a written request from you prior to your coverage start date. If they receive your written request after your coverage start date, the unused portion of your plan cost may be refunded minus a cancellation fee if you have not submitted any claims.
J visa Requirements
Liaison student Economy plan meets J visa requirements if you choose a medical maximum of $100,000 or more and a deductible less than $500.
Liaison Student Choice insurance renewal
If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal.
Medical Maximum Options (per person per disablement)Ages 14 days to 64 $50,000; $100,000; $250,000; $500,000; $1,000,000
Hospital room and boardUsual, Reasonable and Customary to the medical maximum.
Prescription DrugsInside the U.S - $5 copay for generic/$10 copay for brand name (not subject to the deductible) Outside the U.S - $0 copay (deductible applies)
Vaccinations (in the U.S. only as required by school, university or visa program)$150 per 364 days of continuous coverage
Physical Therapy$50 per day to a max of 60 days
Spinal Manipulation$50 per day to a max of 60 days (if prescribed by a physician for pain relief)
Local Ambulance BenefitInside the U.S - $500 per disablement (injury/illness) Outside the U.S - Up to medical maximum
Coma Benefit$25,000 (separate from the medical maximum)
Extension of Benefits to Home Country$5,000
Incidental Trips to Home Country (for minimum purchases of 30 days)$5,000
Waiver of Pre-existing ConditionsAfter a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.
Acute Onset of a Pre-existing Condition (during the initial 364 days of coverage)Medical covered expenses up to $10,000
Mental Illness including Alcohol & Substance AbuseInpatient: $10,000 (45 days max), Outpatient: 80% of URC to $1,000
Motor Vehicle AccidentInside the U.S - 75% up to $100,000 Outside the U.S - Up to medical maximum
Non-contact Amateur Sports$5,000
Maternity Care For a pregnancy to be covered, conception must occur 180 days after coverage begins.
Inside the U.S
In ppo network: 80% up to $10,000
Out of ppo network: 60% up to $10,000
Outside the U.S - 80% up to $10,000
Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy
Routine Newborn Care$500 per newborn child
Dental - Sudden Relief of Pain (for minimum purchases of 30 days)$250
Dental - Accident$1,000
Emergency Medical Evacuation & Repatriation $500,000 (separate from the medical maximum)
Emergency Medical ReunionUp to $200 per day/$25,000 maximum
Return of Child(ren)$40,000
Return of Mortal Remains$50,000
Local Burial or Cremation$5,000
Natural Disaster Evacuation$10,000
Natural Disaster Daily Benefit$50 per day, 5-day limit
Political Evacuation & Repatriation$10,000
Felonious Assault$15,000 (separate from the medical maximum)
Accidental Death and Dismemberment (AD&D)
$25,000 for primary participant $10,000 for plan participant spouse $5,000 for plan participant child Aggregate limit of $250,000 for total number of insureds on plan
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.
Liaison Student 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 Australia, Cuba, Switzerland, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
Destination Restrictions: The plan will not cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, and Cuba.
Liaison Student Choice Policy Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
utpatient surgeries or procedures;
Inpatient surgeries, procedures, or stays including those for rehabilitation;
Diagnostic procedures including MRI, MRA, CT, and PET Scans;
Physical and occupational therapies;
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. Failure to comply with pre-certification requirements
If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:
Eligible medical expenses will be reduced by 25%; and
The deductible will be subtracted from the remaining amount; and
Coinsurance will be applied.
Pre-certification does not guarantee benefits – Pre-certification does not guarantee coverage for, or payment of expenses.