Liaison Elite Plan Description
Disclaimer: Please note that Non-admitted carriers are usually referred to as "surplus" or "excess lines insurers". Non-admitted carriers are not regulated and do not contribute to the State Guaranty Fund, which protects policyholders from the bankruptcy of its insurance carrier. Non-Admitted Carriers are not regulated by state insurance authority, you cannot seek any recourse from Non-Admitted Carriers for unpaid claims.
Your health insurance at home may not cover you when you travel abroad. That means you could be responsible for the bill if you get sick or hurt on your trip. Also, medical providers in foreign countries may require you to pay money upfront before they will treat you.
No matter where you go, Liaison® Travel Medical plans follow you with comprehensive medical coverage, an extensive network of providers, and 24-hour travel assistance. Make sure you receive the same level of care abroad that you receive at home, and let us take the worry out of your travel!
You may buy coverage for yourself, your spouse, your children, and your traveling companions (including children).
All covered travelers must travel outside of their home country. United States citizens cannot buy a Liaison plan for travel to the United States and U.S. territories.
Liaison Elite Plan Features:
This plan is designed for:
Liaison Elite Plan Description
Length of coverage
Coverage Length – Your coverage length may vary from 5 to 364 days and with Liaison Travel Elite it is renewable for up to 3 years.
Effective Date – This is the start date of your plan, on the later of the following: 1) 12 a.m. the day after we receive your application and correct payment if you apply online or by fax; 2) 12 a.m. the day after the postmark date of your application and correct payment if you apply by mail; 3) The moment you depart your home country; 4) 12 a.m. on the date you request on your application.
Expiration Date – The date coverage for you terminates, which is the earliest of the following: 1) The moment you return to your home on the date of attainment of the maximum period of coverage; 2) 11:59 p.m. on the date shown on your ID card; 3) 11:59 p.m. on the date that is the end of the period for which the Plan premium has been paid; or 4) The moment you fail to be eligible.
EXTENDING YOUR COVERAGE
Liaison Travel Elite – 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.
The following expenses must always be pre-certified:
Outpatient surgeries or procedures;
Inpatient surgeries, procedures, or stays including those for reha-bilitation;
Diagnostic procedures including MRI, MRA, CT, and PET Scans;
Physical and occupational therapies;
Home infusion therapy;
Home Health Care.
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 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.
Filing a claim
Send your itemized bill to Seven Corners within 90 days of service, along with a completed claim form. Payments can be converted to a currency of your choosing. You are responsible for your deductible and coinsurance and any non-eligible expenses. To find appropriate claims forms online visit sevencorners.com/claims
Seven corners assist
What happens if you are sick in an area without appropriate medical care?
If medically necessary, we will arrange and pay to evacuate you to the nearest appropriate medical facility.
24/7 Travel Assistance – We can provide local weather details, currency rates, embassy contact information, interpreter referrals, help with lost passport recovery, and pre-trip information including inoculation and visa requirements.
24/7 Medical Assistance – We can help you locate appropriate medical care and arrange second opinions, emergency medical evacuations, medical transportation home after treatment, escorts and transportation for unaccompanied child(ren) and medical record transfers.
Contact information for Seven Corners Assist is provided on your ID card.
WellCard discounts & services
Share your free card with friends and family and use it even after your coverage ends. Visit sevencorners.com/well-card to learn more, locate participating providers and determine the available discounts. Information about WellCard will be included with your purchase documents.
Finding medical provider
Finding Medical Providers
Network providers can be located at:
sevencorners.com/help/find-a-doctor or by contacting Seven Corners Assist.
Inside the United States – We offer an extensive network of providers with special network pricing and potential savings for you.
Outside of the United States – Seven Corners has a large international network of providers, and many of them have agreed to bill us direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.
Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.
The list below is a summary of the exclusions in your plan document. A complete description of the provisions, benefits, and exclusions are contained in the plan document which you may view online. You will receive this document when your coverage is issued. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail.
Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either:
for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s). ii) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. iii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. iv) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals. Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing,
or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
Refund of Premium / cancellation
We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $25 cancellation fee, if you have not submitted any claims to Seven Corners.
Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.
Regarding Your Coverage
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.
This brochure is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.
It is your responsibility to maintain all records regarding travel history, age, and provide necessary documents to Seven Corners to verify your eligibility for coverage.