Your health insurance at home may not cover you when you travel abroad — you could be responsible for the bill if you get sick or hurt on your trip. Additionally, 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 Insurance follows you with:
comprehensive medical coverage
an extensive network of providers
and 24-hour travel assistance
Liaison Travel Medical Insurance Schedule of Benefits
All coverages and plan costs are shown in United States dollar amounts and are per person and period of coverage unless otherwise noted.
Liaison Economy
Liaison Choice
Liaison Elite
Plan Options
Coverage Length
5 days to 364 days
5 days to 364 days
5 days to 364 days (Renewable up to 3 years)
Medical Maximum Options
WORLDWIDE INCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000
WORLDWIDE EXCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
WORLDWIDE INCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000
WORLDWIDE EXCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
WORLDWIDE INCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000
Ages 80+: $20,000
WORLDWIDE EXCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $20,000
Deductible Options (You pay)
$0; $100; $250; $500; $1,000; $2,500, $5,000
$0; $100; $250; $500; $1,000; $2,500, $5,000
$0; $100; $250; $500; $1,000; $2,500, $5,000
Coinsurance Options
Outside the United States
The plan pays 100%
The plan pays 100%
The plan pays 100%
Coinsurance Options
Inside the United States
(The plan pays)
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.
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.
IN PPO NETWORK
We pay 100%.
OUT OF PPO NETWORK
We pay 90% of the first $5,000,
then 100% to the medical maximum.
Schengen Visa
Not covered
Select at least a $50,000 medical maximum and a $0 deductible to be certain you meet minimum requirements.
Select at least a $50,000 medical maximum and a $0 deductible to be certain you meet minimum requirements.
Medical
Inside the United States failure to get pre-certification for treatment will result in a 25% penalty; penalty does not apply to emergencies.
Hospital Room & Board,
Inpatient Hospital Services, Outpatient Hospital/Clinic Services, Emergency Room, Doctor's Office Visits, Prescription Drugs
Usual, Reasonable and Customary to medical maximum
Usual, Reasonable and Customary to medical maximum
Usual, Reasonable and Customary to medical maximum
Home Healthcare
$2,500
$2,500
$2,500
Local Ambulance Benefit
$5,000
$10,000
Medical maximum
Hospital Indemnity (outside the United States & Canada)
$100/night to a maximum of 30 days
(per occurrence)
$150/night to a maximum of 30 days
(per occurrence)
$250/night to a maximum of 30 days
(per occurrence)
Coma Benefit
$10,000
(separate from the medical maximum)
$25,000
(separate from the medical maximum)
$50,000
(separate from the medical maximum)
Extension of Benefits to
Home Country
$5,000
$10,000
$20,000
Incidental Trips to Home Country
$5,000
$10,000
$50,000
Waiver of Pre-existing Condition:
United States Residents
outside the United States
Age 0-69: $25,000
Age 70 & over: $5,000
Age 0-69: $50,000,
Age 70 & over: $10,000
WITH A PRIMARY HEALTH PLAN
Age 0-64 To the medical maximum
WITHOUT A PRIMARY HEALTH PLAN
Age 0-64 Up to $50,000 / Ages 65+ $2,500
Acute Onset of a
Pre-existing Condition:
Non-United States Residents
in the United States
Age 0-69: $15,000
Age 70 & over: $2,500
Age 0-69: $30,000
Age 70 & over: $5,000
Age 0-69: $50,000
Age 70 & over: $10,000
Dental
Dental - Sudden Relief of Pain
$100
$200
$250
Dental - Accident
$500
$5,000
Medical maximum
Emergency Services and Assistance
Emergency Medical
Evacuation & Repatriation
$250,000
(separate from the medical maximum)
$500,000
separate from the medical maximum)
$1,000,000
(separate from the medical maximum)
Emergency Medical Reunion
Up to $200 per day / $25,000 maximum
Up to $200 per day / $50,000 maximum
Up to $200 per day / $100,000 maximum
Return of Child(ren)
$25,000
$50,000
$100,000
Return of Mortal Remains
$25,000
$50,000
$100,000
Local Burial / Cremation
$5,000
$5,000
$5,000
Natural Disaster Evacuation
$25,000
$50,000
$100,000
Natural Disaster Daily Benefit
$50/day, 5-day limit
$100/day, 5-day limit
$250/day, 10-day limit
Political Evacuation & Repatriation
$10,000
$10,000
$10,000
Felonious Assault
$5,000
(separate from the medical maximum)
$10,000
(separate from the medical maximum)
$20,000
(separate from the medical maximum)
Terrorism
$25,000
$50,000
Medical maximum
24/7 Travel Assistance Services
Included
Included
Included
AD&D
Accidental Death and Dismemberment (AD&D)
$10,000 primary insured & travel companion; $2,500 child
Aggregate limit of $250,000
for total number of insureds on plan
$25,000 primary insured & travel companion; $5,000 child
Aggregate limit of $250,000
for total number of insureds on plan
$50,000 plan participant & travel companion; $10,000 child
Aggregate limit of $250,000
for total number of insureds on plan
Common Carrier Accidental Death
$20,000 primary insured & travel companion; $5,000 child
Aggregate limit of $250,000
for total number of insureds on plan
$50,000 primary insured & travel companion; $10,000 child
Aggregate limit of $250,000
for total number of insureds on plan
$100,000 plan participant & travel companion; $20,000 child
Aggregate limit of $250,000
for total number of insureds on plan
Trip Delay/Interruption
Loss of Checked Luggage
$50 per article
$250 per occurrence maximum
$50 per article
$500 per occurrence maximum
$50 per article
$1,000 per occurrence maximum
Trip Interruption
$2,500
$5,000
$10,000
Personal liability
$25,000
$50,000
$100,000
Optional Coverage
Hazardous Sports Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; Parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Host Country.
Up to medical maximum
Up to medical maximum
Up to medical maximum
No matter where you go, Liaison® Travel Medical Insurance follows you with:
comprehensive medical coverage
an extensive network of providers
and 24-hour travel assistance
Liaison Travel Medical Insurance Schedule of Benefits
All coverages and plan costs are shown in United States dollar amounts and are per person and period of coverage unless otherwise noted.
Liaison Economy
Liaison Choice
Liaison Elite
Plan Options
Coverage Length
5 days to 364 days
5 days to 364 days
5 days to 364 days (Renewable up to 3 years)
Medical Maximum Options
WORLDWIDE INCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000
WORLDWIDE EXCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
WORLDWIDE INCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000
WORLDWIDE EXCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
WORLDWIDE INCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000
Ages 80+: $20,000
WORLDWIDE EXCLUDING THE UNITED STATES
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $20,000
Deductible Options (You pay)
$0; $100; $250; $500; $1,000; $2,500, $5,000
$0; $100; $250; $500; $1,000; $2,500, $5,000
$0; $100; $250; $500; $1,000; $2,500, $5,000
Coinsurance Options
Outside the United States
The plan pays 100%
The plan pays 100%
The plan pays 100%
Coinsurance Options
Inside the United States
(The plan pays)
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.
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.
IN PPO NETWORK
We pay 100%.
OUT OF PPO NETWORK
We pay 90% of the first $5,000,
then 100% to the medical maximum.
Schengen Visa
Not covered
Select at least a $50,000 medical maximum and a $0 deductible to be certain you meet minimum requirements.
Select at least a $50,000 medical maximum and a $0 deductible to be certain you meet minimum requirements.
Medical
Inside the United States failure to get pre-certification for treatment will result in a 25% penalty; penalty does not apply to emergencies.
Hospital Room & Board,
Inpatient Hospital Services, Outpatient Hospital/Clinic Services, Emergency Room, Doctor's Office Visits, Prescription Drugs
Usual, Reasonable and Customary to medical maximum
Usual, Reasonable and Customary to medical maximum
Usual, Reasonable and Customary to medical maximum
Home Healthcare
$2,500
$2,500
$2,500
Local Ambulance Benefit
$5,000
$10,000
Medical maximum
Hospital Indemnity (outside the United States & Canada)
$100/night to a maximum of 30 days
(per occurrence)
$150/night to a maximum of 30 days
(per occurrence)
$250/night to a maximum of 30 days
(per occurrence)
Coma Benefit
$10,000
(separate from the medical maximum)
$25,000
(separate from the medical maximum)
$50,000
(separate from the medical maximum)
Extension of Benefits to
Home Country
$5,000
$10,000
$20,000
Incidental Trips to Home Country
$5,000
$10,000
$50,000
Waiver of Pre-existing Condition:
United States Residents
outside the United States
Age 0-69: $25,000
Age 70 & over: $5,000
Age 0-69: $50,000,
Age 70 & over: $10,000
WITH A PRIMARY HEALTH PLAN
Age 0-64 To the medical maximum
WITHOUT A PRIMARY HEALTH PLAN
Age 0-64 Up to $50,000 / Ages 65+ $2,500
Acute Onset of a
Pre-existing Condition:
Non-United States Residents
in the United States
Age 0-69: $15,000
Age 70 & over: $2,500
Age 0-69: $30,000
Age 70 & over: $5,000
Age 0-69: $50,000
Age 70 & over: $10,000
Dental
Dental - Sudden Relief of Pain
$100
$200
$250
Dental - Accident
$500
$5,000
Medical maximum
Emergency Services and Assistance
Emergency Medical
Evacuation & Repatriation
$250,000
(separate from the medical maximum)
$500,000
separate from the medical maximum)
$1,000,000
(separate from the medical maximum)
Emergency Medical Reunion
Up to $200 per day / $25,000 maximum
Up to $200 per day / $50,000 maximum
Up to $200 per day / $100,000 maximum
Return of Child(ren)
$25,000
$50,000
$100,000
Return of Mortal Remains
$25,000
$50,000
$100,000
Local Burial / Cremation
$5,000
$5,000
$5,000
Natural Disaster Evacuation
$25,000
$50,000
$100,000
Natural Disaster Daily Benefit
$50/day, 5-day limit
$100/day, 5-day limit
$250/day, 10-day limit
Political Evacuation & Repatriation
$10,000
$10,000
$10,000
Felonious Assault
$5,000
(separate from the medical maximum)
$10,000
(separate from the medical maximum)
$20,000
(separate from the medical maximum)
Terrorism
$25,000
$50,000
Medical maximum
24/7 Travel Assistance Services
Included
Included
Included
AD&D
Accidental Death and Dismemberment (AD&D)
$10,000 primary insured & travel companion; $2,500 child
Aggregate limit of $250,000
for total number of insureds on plan
$25,000 primary insured & travel companion; $5,000 child
Aggregate limit of $250,000
for total number of insureds on plan
$50,000 plan participant & travel companion; $10,000 child
Aggregate limit of $250,000
for total number of insureds on plan
Common Carrier Accidental Death
$20,000 primary insured & travel companion; $5,000 child
Aggregate limit of $250,000
for total number of insureds on plan
$50,000 primary insured & travel companion; $10,000 child
Aggregate limit of $250,000
for total number of insureds on plan
$100,000 plan participant & travel companion; $20,000 child
Aggregate limit of $250,000
for total number of insureds on plan
Trip Delay/Interruption
Loss of Checked Luggage
$50 per article
$250 per occurrence maximum
$50 per article
$500 per occurrence maximum
$50 per article
$1,000 per occurrence maximum
Trip Interruption
$2,500
$5,000
$10,000
Personal liability
$25,000
$50,000
$100,000
Optional Coverage
Hazardous Sports Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; Parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Host Country.
Up to medical maximum
Up to medical maximum
Up to medical maximum
No comments:
Post a Comment