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Liaison Travel Basic Insurance

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Liaison Travel Basic
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Liaison Travel Basic Underwriter
Underwritten by Certain Underwriters at Lloyd's of London.
Liaison Travel Basic Rating
AM Best Rating: "A" (Excellent)

Liaison Travel Basic Links

  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive
  • Claims
  • Renewal
  • Provider Network
  • Cancellation

Liaison Travel Basic Insurance - Key Highlights

  • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $15,000
  • This plan can be purchased by individuals traveling outside their home country.
  • The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
  • There is a coinsurance factor applicable to this insurance. Outside of the US, the plan pays 100%, inside of the US, the plan pays 80% within the PPO network up to the first $5000 and 100% after the limit. For out of PPO network, the plan pays 70% up to first $5,000 and then pays 100%.
  • Acute onset of pre-exisitng condition is available for up to $15,000 for the age group up to 69 years. For people above thi sup to 80 years, it is covered for $2,500.

Liaison Travel Basic Insurance

Travelers can buy coverage for themselves, spouse, traveling companion(s) and child(ren).

Seven Corners Liaison Travel Basic Insurance Summary

What is the eligibility to buy Liaison Travel Basic Insurance?

Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.

Renewal Renewability - Liaison Travel Basic 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.

Liaison Travel Basic Insurance Coinsurance
  • Inside the United States
    • In ppo network: We pay 80% of the first $5,000, then 100% to the medical maximum.
    • Out of ppo network: We pay 70% of the first $5,000, then 100% to the medical maximum.
  • Outside the United States: The plan pays 100%

Refund Liaison Travel Basic 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.

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  • Plan Benefits
  • Claims
  • Exclusions
  • Restrictions
  • Pre-Certification
Benefits Coverage
Medical Maximum Options
(Worldwide Including the United States)
Ages 14 days to 64 years: $50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 years: $50,000; $100,000
Ages 70 to 79 years: $50,000
80 years and older: $10,000
Medical Maximum Options
(Worldwide Excluding the United States)
Ages 14 days to 64 years: $50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65 to 79 years: $50,000; $100,000
80 years and older: $10,000
Deductible Options Ages 14 days to 64 years: $0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65 to 79 years: $250; $500; $1,000; $2,500; $5,000
80 years and older: $500; $1,000; $2,500; $5,000
Hospital Room & Board URC to medical maximum
Emergency Room Services $100 copay
Urgent Care Visits $30 copay
Physiotherapy Not Available
Chiropractic Care Not Available
Local Ambulance Benefit $5,000
Hospital Indemnity Not Available
Coma benefit $10,000
separate from the medical maximum
Felonious assault $5,000
separate from the medical maximum
Extension of Benefits to Home Country $5,000
Incidental Trips to Home Country $5,000
Acute Onset of Pre-existing Conditions
(Worldwide Including the United States)
Ages 14 days to 64 years: $5,000
Ages 65 to 79 years :$2,500
80 years and older: Not Available
Acute Onset of Pre-existing Conditions
(Worldwide Excluding the United States)
Ages 14 days to 64 years: $25,000
Ages 65 to 79 years :$5,000
80 years and older: Not Available
Dental — Sudden Relief of Pain $100
Dental Emergency — Accident $250
Emergency Eye Exam Not Available
Emergency Medical Evacuation & Repatriation $250,000
Benefit period 180 days
Emergency Medical Reunion $200 per day, 10-day limit $25,000 maximum
Return of Children $25,000
Local Cremation or Burial $5,000
Natural Disaster Evacuation $25,000
Natural Disaster Daily Benefit $50 per day, 5-day limit
Political Evacuation & Repatriation $10,000
Terrorist Activity $25,000
Pre-certification — 25% penalty Required inside the United States for specific types of treatment. Penalty does not apply to emergencies.
Accidental Death and Dismemberment (AD&D) Primary Insured or Travel Companion $10,000 Principal Sum
Eligible Dependent Children $2,500 Principal Sum
Aggregate limit of $250,000 for total number of insureds on the plan
Common Carrier Accidental Death Primary Insured or Travel Companion $20,000 Principal Sum
Eligible Dependent Children $5,000 Principal Sum
Aggregate limit of $250,000 for total number of insureds on the plan
Loss of Checked Baggage $50 per article, $250 per occurrence
Return of Mortal Remains $25,000
Trip Interruption $2,500
Travel Delay Not Available
Lost or Stolen Travel Documents Not Available
Border Entry Protection Not Available
Personal Liability $25,000
Hazardous Sports Up to medical maximum
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.
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 or 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.
claims-icon How are Liaison Travel Basic insurance claims settled?
Liaison Travel Basic Insurance 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

exclusion-icon Liaison Travel Basic Insurance Exclusions
  1. Pre-Existing Condition(s) except as waived under Waiver of Pre-Existing Conditions and Acute Onset of Pre-Existing Conditions.
  2. Claims not received by the Company or Administrator within ninety (90) days of the date of service:
  3. 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;
  4. 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;
  5. Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
  6. Chiropractic care or acupuncture;
  7. Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
  8. Durable medical equipment;
  9. 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;
  10. Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
  11. Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
  12. Vocational, occupational, sleep, speech, recreational, or music therapy;
  13. 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;
  14. Sleep apnea or other sleep disorders;
  15. Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
  16. Congenital abnormalities and conditions arising out of or resulting therefrom;
  17. Temporomandibular joint;
  18. Occupational Diseases;
  19. Exposure to non-medical nuclear radiation or radioactive materials;
  20. Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
  21. Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  22. Human organ or tissue transplants;
  23. Exercise programs whether prescribed or recommended by a Physician or therapist;
  24. 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;
  25. 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;
  26. Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  27. Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Optional Coverage – Hazardous Activities;
  28. 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;
  29. 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;
  30. Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self- inflicted Injury or Illness;
  31. Terrorist Activity except as provided under Terrorist Activity; War, Hostilities, or War-Like Operations;
  32. Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  33. 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;
  34. 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;
  35. Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  36. You while in Your Home Country unless covered under Extension of Benefits in Home Country or Incidental Trips to Home Country;
  37. Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel; Travel accommodations;
  38. 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;
  39. 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;
  40. 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
  41. Participating in contests of speed or riding or driving in any type of competition;
  42. Loss of life;
  43. Long-term disability; or
  44. Financial guarantee, financial default, bankruptcy, or insolvency risks.
special-coverage Which are the geographic restrictions for Liaison Travel Basic insurance?
Liaison Travel Basic 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, and Sierra Leone.
  • Destination Restrictions: The plan will not cover trips to Islamic Republic of Iran and Syrian Arab Republic.
special-coverage What is pre-certification requirements for Liaison Travel Basic insurance?
Liaison Travel Basic Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
  1. Outpatient surgeries or procedures;
  2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
  3. Diagnostic procedures including MRI, MRA, CT, and PET Scans;
  4. Chemotherapy;
  5. Radiation therapy;
  6. Physical and occupational therapies;
  7. Home infusion therapy;
  8. Home Health Care.
To comply with the pre-certification requirements, you must:
  1. Contact Seven Corners Assist before the expense is incurred;
  2. Comply with Seven Corners Assist’s instructions;
  3. 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:
  1. Eligible medical expenses will be reduced by 25%; and
  2. The deductible will be subtracted from the remaining amount; and
  3. Coinsurance will be applied.
Pre-certification does not guarantee benefits – Pre-certification does not guarantee coverage for, or payment of expenses.

Liaison Travel Basic visitor insurance - Frequently asked questions

What if the traveller pays for a healthcare service and needs reimbursement?

Please refer to the Liaison Travel Basic ID cards provided by SevenCorners which will have all the necessary information for reimbursement.

When you visit a medical provider, explain to them that you have Liaison Travel Basic insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.

Yes, Liaison Travel Basic insurance is available up to a total of 364 days. Travelers who had initially bought for less than 364 days and wish to extend their coverage can renew Liaison Travel Basic insurance online up to 364 days.

If your travel plan is changed and want to cancel Liaison Travel Basic insurance, you have to submit a written request to cancel@sevencorners.com for cancellation and refund of your premium. The subject of the email must contain the first name and last name of the policy holder. While the body of the email must contain the name of the policy holder, birth date, certificate number and date of cancellation. If you have filed claims for reimbursement, your premium is non refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • A cancellation fee will be charged will be charged by the insurance company.
  • Unused portion of the plan cost will be refunded.

Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.

Liaison Travel Basic offers coverage for acute onset of pre-existing conditions for Non US Visitors to USA. Travelers aged up to 69 years can avail coverage up to $15,000. $2,500 coverage for visitors above 70 years for acute onset of pre-existing conditions.
Waiver of Pre-existing Condition for United States Residents outside the United States: The plan pays up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage. US Travelers aged up to 69 years can avail coverage up to $25,000. $5,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.

Visitors to USA can review this article on how to use Liaison Travel Basic visitor medical insurance in case of emergency in the United States.

Liaison Travel Basic insurance offers comprehensive coverage. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO, Multiplan, PHCS out of Area”. When Traveling Outside the United States, you need to visit Wellabroad.com to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Liaison Travel Basic insurance pays 80% of the first $5,000, then 100% up to maximum limit. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Liaison Travel insurance would pay 70% of the first $5,000, then 100% up to maximum limit. For coverage outside US, the plan pays 100% of the eligible expenses. For detailed working example of how it works, you can review Liaison Travel Basic insurance working example.

Seven Corners has introduced the new plan for covid19 is Liaison Travel Plus.

Frequently asked questions about Seven corners international travel insurance coverage for Coronavirus

Will International travel insurance policies cover COVID-19 if they stay in one country or if they travel or not at all?

International travel insurance will cover all expenses from Covid-19.

Yes they can purchase a International travel insurance plan that will offer them coverage for Covid-19.

Yes, International travel insurance offers coverage for other illness, injury or accident as long as the person does not travel.

If the US government allows them to travel then yes!

Seven corners travel medical insurance coverage for Coronavirus (Covid 19)

  • If you become ill with Coronavirus and see a doctor and/or go to the hospital during a trip, your medical expenses can be covered.
  • If you require an emergency medical evacuation and repatriation* due to Coronavirus, this can be covered.
  • If you reside in New York, Colorado, Maryland, or South Dakota, benefits on your plan may include coverage for a Missed Connection related to COVID-19.
    • To trigger this coverage, you must miss a cruise or tour departure due to a delay for the required time length (stated in the plan document) if the delay is caused by a covered reason.
    • Covered reasons that could apply for COVID-19 include:
      • Any delay of a common carrier (the delay must be certified by the common carrier)
      • Quarantine

*Note: The ability for Seven Corners to execute an emergency medical evacuation and/or repatriation may be limited due to travel and other restrictions. Some emergency evacuation providers and airlines have restricted and eliminated their services in specific areas.

Group Insurance Quote

Travelling in groups?
You can buy the Liaison travel medical group insurance!
GET YOUR QUOTES!
REQUIREMENTS
  • All travellers must be traveling outside their home country.
  • The travel group must have a minimum of 5 travelers.
  • You should fill a separate application form for each trip if your group is making multiple trips.
  • US citizens cannot travel within the US on these group plans.
group travel insurance

Provider network and how to find hospital or doctor?

Seven Corners maintains a wide network of health care providers. In US there are 2 options: United health care, Multiplan and PHCS Out of Area Network.

You need to check your insurance card to find any one of the below 3 logos:
united-healthcaremultiplanphcs

Outside US: Wellabroad.com to use Seven Corners’ International Network

While calling your provider network, you need to say "my coverage uses United healthcare or Multiplan PPO network and found your name on the registry".

Do not say "I have Liaison plans or I use seven corners plan". The provider will not identify your coverage and may say that you are not covered.
Find Provider Network

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