Liaison Student

From SevenCorners

Available to full-time students residing outside of their home country who don't obtain residency status, this medical plan that provides coverage for any new illness & injury that might occur while studying outside of your home country.

**Note: We cannot accept an address from these locations: Maryland, New York, South Dakota, Washington state, Australia, Canada, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, and the U.S. Virgin Islands.

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Liaison® Student

Thousands of students and other educational professionals travel internationally each year. These travelers experience both the educational benefit and the thrill of studying outside of their home country. Proper medical coverage is required in order to protect against unforeseen events. Seven Corners has established Liaison® Student to provide valuable benefits to students and other educational professionals when they travel outside of their home country. Whether you are a foreign national studying in the United States for several years or a U.S. citizen studying abroad, Liaison® Student is designed to protect you during your time away from home.

Why choose Liaison® Student?

  • Seven Corners has been providing international medical and travel insurance to citizens of all countries since 1993.
  • Liaison Student’s benefits are specifically designed and priced for international students.
  • 24 Hour Assistance Service is ready to assist in locating proper medical care when you are traveling away from home.

Who is eligible for Liaison® Student?

Non-U.S. Citizens:
This includes international students, visiting faculty, scholars or other persons age 12 and older who are temporarily residing outside their home country. The insured must remain engaged in full-time educational or research activities outside their home country during the period of coverage. Education or research activities means the insured: 1) is enrolled and participating in an educational, vocational, cultural exchange or training program; and 2) has a valid J-1, H-3, F-1, M-1 or Q-1 Visa.

U.S. Citizens:
This includes all U.S. students, visiting faculty, scholars or other persons with a current United States passport who are temporarily residing outside the United States and are engaged in full-time educational or research activities.

You may also choose to purchase coverage for your eligible dependents. This includes your legal spouse and your children who are unmarried, over 30 days of age and under 25 years if they are attending an accredited institution of higher learning on a regular full-time basis and/or are wholly dependent upon you for maintenance and support.

Period of Coverage

Your coverage length is from 5 days up to 364 days.

Effective Date
Your coverage begins at 12:01 AM North American Eastern Time on the latest of the following: the date and time we receive your application and premium, the effective date requested on your application; the moment you depart your home country; or the date we approve your application.

Expiration Date
Your coverage ends at 12:01 AM North American Eastern Time on the earlier of the following: your return to your home country (except for the Home Country Coverage benefit); 364 days from your effective date of coverage; the end of the period for which premium was paid; the date you are no longer an eligible person; or the point when the maximum benefit amount has been paid.

The Insurance Company

This plan is Underwritten by United States Fire Insurance Company (except certain states which are underwritten by Certain Underwriters at Lloyd’s of London: CA, CT, IN, ME, MT, NH, NY, OR, RI, VT ). No coverage is available for Maryland, New York, South Dakota, Washington state.

All Coverages and Benefits are in U.S. Dollar Amounts Unless otherwise mentioned, deductibles, co-pays, coinsurance and benefits are considered on a Per Injury/Sickness basis.

Accident and Sickness Medical Maximums Lifetime $250,000 Primary Insured
$50,000 Spouse/Child
Deductible – Per Injury or Illness Non U.S. Students:
$100 if not first treated by the Student Health Center (or if there is no Student Health Center)
$50 if first treated by the Student Health Center
US Citizens: Options: $50 / $0
Co Pay – Per Written Prescription of Medicine Non U.S. Students:
$10 for Generic and $20 for Brand Name
US Citizens:
$0 for Generic and $0 for Brand Name
Coinsurance Plan 1: 80% to $10,000, then 100% to plan maximum
Plan 2: 100% to plan maximum
Benefit Period Covered Expenses incurred during the Period of Coverage
Unexpected Recurrence of a Pre-Existing Condition Non U.S. Students: N/A
US Citizens: Up to $500
Maternity Covered as any other illness
Mental Illness Inpatient: Payable at 50%, up to $10,000 up to a max of 40 days
Outpatient: Payable at 80% , up to $500
Alcohol and Drug Abuse Inpatient/Outpatient: Payable at 50%, up to $1,000
Injuries from a Motor Vehicle Accident Non U.S. Students: $10,000
US Citizens: Up to Policy Maximum
Sports-related Injuries Non U.S. Students: $5,000
US Citizens: Up to Policy Maximum
Dental (emergency) $250 per tooth to a maximum of $500
Emergency Medical Evacuation $100,000
Repatriation of Mortal Remains $25,000
Emergency Reunion $5,000
Accidental Death & Dismemberment $10,000 per Insured
$5,000 per Spouse/Dependent Child
Physiotherapy $500
Spinal Manipulation $500
Ambulance Service $350
Home Country Coverage –
Incidental trips to the Insured’s Home Country
30 days of coverage up to a maximum of  $1,000 during period of coverage
Home Country Extension of Benefits Up to $1,000, expenses must be incurred within 30 days of returning to your Home Country during period of coverage
Assistance 24 hours – Worldwide

Liaison Student Benefit Description

This Plan shall pay Reasonable and Customary charges for Covered Expenses, excess of the Deductible and Coinsurance up to the Medical Maximum, incurred by you due to a covered Injury or Illness which occurred during your Period of Coverage outside your Home Country (except as provided under the Home Country Coverage). All bodily disorders existing simultaneously which are due to the same or related causes shall be considered one Disablement. If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. The initial Treatment of an Injury or Illness must occur within 30 days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges are incurred within your Period of Coverage, and which are not excluded shall be considered

Covered Expenses:

  1. Charges made by a hospital for semi-private room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, those expenses do not exceed the hospital’s average charge for semi-private room and board accommodation.
  2. Charges made for Intensive Care or Coronary Care charges and nursing services.
  3. Charges made for diagnosis, Treatment and Surgery by a Physician.
  4. Charges made for an operating room.
  5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits / examinations, clinic care, and Surgical opinion consultations.
  6. Charges made for the cost and administration of anesthetics.
  7. Charges for Medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, iron lungs, and medical Treatment.
  8. Charges for physiotherapy, to a maximum of $500, if recommended by a Physician for the Treatment of a specific Disablement following hospitalization and administered by a licensed physiotherapist.
  9. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.
  10. Local transportation to or from the nearest hospital or to and from the nearest hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to a limit of $350, within the metropolitan area in which you are located at the time the service is utilized. If you are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

Pre-Notification

For each scheduled hospital admission, emergency hospital confinement, or Outpatient Treatment, you or someone on your behalf must contact the Assistance Company for prenotification as soon as possible, but no later than 48 hours prior to admission to a hospital, hospital confinement or Outpatient Treatment. For Emergency hospital Confinement, you or someone on your behalf must notify the Assistance Company as soon as possible, but no later than 48 hours after the date of admission. If you fail to pre-notify with the Assistance Company, Covered Expenses will be reduced to and payable at 50% after the Deductible. Pre-Notification does not guarantee or confirm benefits or the payment of said benefits.

Unexpected Recurrence of a Pre-existing Condition

(This benefit is only available to U.S. citizens traveling outside the United States) This Plan shall pay up to $500 subject to the chosen Deductible and Coinsurance, for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the United States. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

Maternity

When covered maternity expenses are incurred by You or Your eligible dependents, the Company will pay Reasonable Charges for medical expenses in excess of the Deductible and Coinsurance. In no event shall the Company’s maximum liability exceed the maximum stated in the Schedule of Benefits, as to Covered Expenses during any one period of individual coverage. You or Your representative must notify the Company of a Pregnancy within the first trimester.

As stated in the Schedule of Benefits, benefits will be payable for covered expenses You incur before, during, and after delivery of a child, including physician, hospital, laboratory, and ultrasound services. Coverage for the Inpatient postpartum stay for You and Your newborn child in a hospital, will, at a minimum, be for the length of stay recommended by the American Academy of Pediatrics and the American College of Obstetricians and Gynecologists per their guidelines for perinatal care.

Coverage for a length of stay shorter than the minimum period mentioned above may be permitted if Your attending physician determines further Inpatient postpartum care is not necessary for You or Your newborn child provided the following are met:

  1. In the opinion of Your attending physician, the newborn child meets the criteria for medical stability in the guidelines for perinatal care prepared by the Academy of Pediatrics and the American College of Obstetricians and Gynecologists that determine the appropriate length of stay based upon the evaluation of:
    1. The antepartum, intrapartum, postpartum course of the mother and infant;
    2. The gestational stage, birth weight, and clinical condition of the infant;
    3. The demonstrated ability of the mother to care for the infant after discharge; and
    4. The availability of post discharge follow up to verify the condition of the infant after discharge; and
  2. One (1) at-home post delivery care visit is provided to You at Your residence by a physician or nurse performed no later than forty-eight (48) hours following discharge for You and Your newborn child from the hospital. Coverage for this visit includes, but is not limited to:
    1. Parent education;
    2. Assistance and training in breast or bottle feeding; and Performance of any maternal or neonatal tests routinely performed during the usual course of Inpatient care for You or Your newborn child, including the collection of an adequate sample for the hereditary and metabolic newborn screening. (At Your discretion, this visit may occur at the physician’s office.)

Mental Illness

For the purpose of this section, only such expenses, incurred as the result of Treatment or Medication for Mental Illness, which are specifically enumerated in the following list of charges, and which are not excluded, shall be considered as Covered Expenses:

  1. Inpatient Care:
    1. Charges made by a Hospital or mental institution for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature, provided, however, that expenses do not exceed the Hospital’s or mental institution’s average charge for semi-private roomand board accommodation.
    2. Charges made for diagnosis and Treatment by a Physician.
    3. Charges made for the cost and administration of anesthetics.
    4. Charges for Medication, x-ray services, laboratory tests and services, oxygen, and medical Treatment.
    5. Drugs and Medicines that can only be obtained upon a written prescription of a Physician.
  2. Outpatient care:
    1. Charges made for diagnosis and Treatment by a Physician.
    2. Charges made for the cost and administration of anesthetics.
    3. Charges for Medication, x-ray services, laboratory tests and services, oxygen, and medical Treatment.
    4. Drugs and Medicines that can only be obtained upon a written prescription of a Physician.

Only those expenses specifically described above which are incurred within the following Limits from the onset of the Mental Illness and which are not excluded are considered Covered Expenses. Mental Illness must first manifest itself during the Period of Coverage.

  • Inpatient Care – Shall be payable at 50% to $10,000, subject to a maximum of 40 days of Inpatient care.
  • Outpatient – Shall be payable at 80% up to a maximum of $500.

Emergency Dental Treatment

Benefits are paid for Reasonable and Customary expenses in excess of the Deductible and Coinsurance of $250 per tooth up to a maximum of $500, for the emergency repair or replacement of sound, natural teeth damaged as the result of a Covered Accident.

Emergency Medical Evacuation & Repatriation

Benefits are paid for Covered Expenses incurred up to $100,000, for any covered Injury or Illness commencing during Your Period of Coverage that results in a Medically Necessary Emergency Medical Evacuation or Repatriation. The decision for an Emergency Medical Evacuation or Repatriation must be pre-approved and arranged by the Assistance Company in consultation with your local attending Physician.

Emergency Medical Evacuation or Repatriation means: a) your medical condition warrants immediate transportation from the place where you are located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility, your medical condition warrants transportation with a qualified medical attendant to your Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above.

Covered Expenses are expenses for transportation, medical services and medical supplies necessarily incurred in connection with Emergency Medical Evacuation or Repatriation. All transportation arrangements must be by the most direct and economical route. Expenses for special transportation and medical supplies and services must be: a) pre-approved and ordered by the Assistance Company and b) required by the standard regulations of the conveyance transportation. Transportation means any land, water or air conveyance required to transport you. Special transportation includes, but is not limited to, licensed ground and air ambulances, commercial airlines, and private motor vehicles.

Return of Mortal Remains

Benefits will be paid for Reasonable and Customary Covered Expenses incurred up to $25,000, to return your remains to your Home Country, if you should die. Covered Expenses include, but are not limited to, expenses for embalming or Cremation, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. All Covered Expenses in connection with a Return of Mortal Remains or Cremation must be pre-approved and arranged by the Assistance Company.

Emergency Medical Reunion

When the Assistance Company and your attending Physician determine that it is necessary and prudent for you to have an Emergency Medical Evacuation or Repatriation, this Plan will arrange to bring an individual of your choice, from your Home Country, to be at your side while you are hospitalized and then accompany you during your return to your Home Country. Benefits will be paid up to $5,000 for a round-trip economy airfare ticket as well as for reasonable travel and accommodation expenses up to a maximum of 10 days, as pre-approved and arranged by the Assistance Company.

Spinal Manipulation

Benefits shall be paid for Spinal Manipulation which is prescribed, performed, or ordered by a licensed chiropractor for the relief of pain. Benefits are payable up to $500.

Home Country Coverage

Incidental Trips to the Home Country – During Your Period of Coverage, the Insured may return to their Home Country for incidental visits of up to 30 days per year (or pro-rate thereof ). If during an incidental trip home, the Insured suffers an Injury or Illness, this Plan shall pay up to $1,000 of Covered Expenses for that Injury or Illness. Treatment for this Injury or Illness must occur within the Insured’s Home Country while on the incidental visit.

Home Country Extension of Benefits – The Plan shall pay up to a maximum of $1,000 for Covered Expenses incurred in your Home Country related to an Injury or Illness which occurred, was diagnosed and treated outside your Home Country during your Period of Coverage. Only those covered expenses incurred within 30 days of your return to your Home Country shall be considered eligible.

Continuing Coverage

For those who are intending longer international trips, an option is available to you. If you choose this option on the application and enroll for at least three (3) months of coverage, a notice will be sent to your address of correspondence, allowing you to purchase an additional period of coverage (minimum of 1 month, maximum of 12 months). If you purchase at least three months of coverage, Seven Corners will continue to send notices to your address of correspondence. If you choose to purchase less than three months of coverage, Seven Corners will assume that your international trip is complete and will not send any further notices.

While a new period of coverage will be issued, your original effective date will be used with regards to determining any Preexisting Conditions.

This option is available as long as you continue to meet the Eligibility Requirements. It is important to note that rates and benefits may change for each subsequent Period of Coverage. A $5.00 Administrative Fee will be included on each notice. This option is not available if you allow coverage to expire prior to reapplying. If this happens, an entirely new program must be purchased (Pre-existing Conditions begin again).

Continuing Coverage is available in periods as short as 5 days at a time when purchased utilizing Seven Corners’ online system.

Refund of Premium

Seven Corners realizes that there is uncertainty in international travel. Refund of total plan cost will only be considered if written request is received by Seven Corners prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to Seven Corners for reimbursement.

Liaison Student Limitations & Exclusions

No Benefit shall be payable for Accident Medical, Sickness Medical, Mental Illness, Alcohol and Drug Abuse, Dental, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, and Emergency Medical Reunion, as the result of:

  1. Any Pre-existing Condition as defined hereunder. This exclusion does not apply to Emergency Medical Evacuation / Repatriation or Return of Mortal Remains.
  2. Injury or Illness which is not presented to the Company for payment within 3 months of receiving Treatment;
  3. Charges for Treatment which is not Medically Necessary;
  4. Charges provided at no cost to you;
  5. Charges for Treatment which exceed Reasonable and Customary charges;
  6. Charges incurred for Surgery or Treatments which are, Experimental / Investigational, or for research purposes;
  7. Services, supplies or Treatment, including any period of hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  8. Suicide or any attempts thereof, while sane or self destruction or any attempt thereof, while insane;
  9. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:
    • war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.
    • mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power.
    • acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence.
    • martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the "Occurrences"). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Plan shall not be liable for except to the extent that you prove that such consequence happened independently of the existence of such abnormal conditions.
  10. Injury sustained while participating in professional athletics;
  11. Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a Disablement established by a prior call or attendance of a Physician;
  12. Treatment of the Temporomandibular joint;
  13. Vocational, speech, recreational or music therapy;
  14. Services or supplies performed or provided by a Relative of yours, or anyone who lives with you;
  15. Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this Plan, Treatment of a deviated nasal septum shall be considered a cosmetic condition;
  16. Elective Surgery which can be postponed until you return to your Home Country, where the objective of the trip is to seek medical advice, Treatment or Surgery;
  17. Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;
  18. Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;
  19. Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent, unless otherwise covered under this policy;
  20. Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with Treatment prescribed and directed by a Physician for a condition which is covered hereunder, but not for the Treatment of drug addiction;
  21. Any Mental and Nervous disorders or rest cures, unless otherwise covered under this policy;
  22. Congenital abnormalities and conditions arising out of or resulting there from;
  23. Expenses which are non-medical in nature;
  24. Expenses as a result of, or in connection with, intentionally self-inflicted Injury or Illness;
  25. Expenses as a result of, or in connection with, the commission of a felony offense;
  26. Injury sustained while taking part in mountaineering where ropes or guides are normally used; hang gliding, parachuting, bungee jumping, racing by horse, motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus, unless PADI or NAUI certified, snorkeling, water skiing, snow skiing, spelunking, parasailing and snow boarding;
  27. Treatment paid for or furnished under any other individual or group policy or other service or medical prepayment plan arranged through an employer to the extent so furnished or paid, or under any mandatory government program or facility set up for Treatment without any cost to you;
  28. Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this Plan;
  29. Routine Dental Treatment;
  30. For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage, unless otherwise covered under this Plan;
  31. Drug, Treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, Treatment for infertility or impotency, sterilization or reversal thereof;
  32. Treatment for human organ tissue transplants and their related Treatment;
  33. Expenses incurred while in your Home Country, except as provided under the Home Country Coverage and Home Country Extension of Benefits Coverage;
  34. Expenses incurred during a hospital emergency visit which is not of an emergency nature;
  35. Injury sustained as the result of the Insured Person operating a motor vehicle while not properly licensed to do so in the jurisdiction in which the motor vehicle accident takes place;
  36. Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical Treatment for a condition;
  37. Covered Expenses incurred during a Trip after your Physician has limited or restricted travel;
  38. Sex change operations, or for Treatment of sexual dysfunction or sexual inadequacy;
  39. Weight reduction programs or the surgical Treatment of obesity.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

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