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.Quote & Buy StudentSecure
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.
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.
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.
Your coverage length is from 5 days up to 364 days.
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.
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.
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
|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
$0 for Generic and $0 for Brand Name
|Coinsurance||Plan 1: 80% to $10,000, then 100% to plan
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|
|Accidental Death & Dismemberment||$10,000 per Insured
$5,000 per Spouse/Dependent Child
|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|
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
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.
(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.
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:
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
(“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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