Liaison Student Travel Insurance

Why Liaison^® Student?

Reliable Protection. You’re busy — you’re studying or teaching abroad! The last thing you need to worry about is medical coverage. With Liaison^® Student, you receive the benefits you need for a small daily fee:

Coverage for illnesses and injuries that occur while you are abroad
Access to a worldwide network of medical providers
24/7 travel assistance services
Coverage for your dependents on the same plan

Are you eligible to buy?

To buy Liaison^® Student, you must be involved in full-time educational or research activities:

Non-United States citizens may travel to the United States with a J-1, H-3, F-1, M-1, or Q-1 visa.
United States citizens may travel anywhere outside the United States with a valid passport.

	Liaison Student Economy	Liaison Student Choice	Liaison Student Elite
PLAN OPTIONS
Coverage Length	5 days to 364 days Renewable as long as primary participant is eligible.	5 days to 364 days Renewable as long as primary participant is eligible.	5 days to 364 days Renewable as long as primary participant is eligible.
Coverage Area	Worldwide including & excluding the U.S.	Worldwide including & excluding the U.S.	Worldwide including & excluding the U.S.
Lifetime Medical Maximum	$5,000,000	$5,000,000	$5,000,000
Medical Maximum Options per person per disablement)	Ages 14 days to 64: $50,000; $100,000; $250,000; $500,000; $1,000,000	Ages 14 days to 64: $50,000; $100,000; $250,000; $500,000; $1,000,000	Ages 14 days to 64: $50,000; $100,000; $250,000; $500,000; $1,000,000
Deductible Options (You pay) (per person per disablement)	$0, $50, $100, $250, $500, $1,000	$0, $50, $100, $250, $500, $1,000	$0, $50, $100, $250, $500, $1,000
Student Health Centers (You pay)	$5 copay per visit; (not subject to deductible)	$5 copay per visit; (not subject to deductible)	$5 copay per visit; (not subject to deductible)
Coinsurance Options Outside the United States	The plan pays 100% to the medical maximum.	The plan pays 100% to the medical maximum.	The plan pays 100% to the medical maximum.
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% to the medical maximum. OUT OF PPO NETWORK We pay 90% of the first $5,000, then 100% to the medical maximum.
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	Usual, Reasonable and Customary to the medical maximum.	Usual, Reasonable and Customary to the medical maximum.	Usual, Reasonable and Customary to the medical maximum.
Prescription Drugs	INSIDE THE UNITED STATES $10 copay for generic/$20 copay for brand name (not subject to the deductible) OUTSIDE OF THE UNITED STATES $0 copay (deductible applies)	INSIDE THE UNITED STATES $5 copay for generic/$10 copay for brand name (not subject to the deductible) OUTSIDE OF THE UNITED STATES $0 copay (deductible applies)	INSIDE THE UNITED STATES $0 copay (not subject to the deductible) OUTSIDE OF THE UNITED STATES $0 copay (deductible applies)
Vaccinations (in the U.S. only as required by school, university or visa program)	$100 per 364 days of continuous coverage	$150 per 364 days of continuous coverage	$200 per 364 days of continuous coverage
Physical Therapy	$25 per day to a max of 60 days	$50 per day to a max of 60 days	$75 per day to a max of 60 days
Spinal Manipulation	$25 per day to a max of 60 days (if prescribed by a physician for pain relief)	$50 per day to a max of 60 days (if prescribed by a physician for pain relief)	$75 per day to a max of 60 days (if prescribed by a physician for pain relief)
Local Ambulance Benefit	INSIDE THE UNITED STATES $350 per disablement (injury/illness) OUTSIDE OF THE UNITED STATES Up to medical maximum	INSIDE THE UNITED STATES $500 per disablement (injury/illness) OUTSIDE OF THE UNITED STATES Up to medical maximum	INSIDE THE UNITED STATES $750 per disablement (injury/illness) OUTSIDE OF THE UNITED STATES Up to medical maximum
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	$1,000	$5,000	$10,000
Incidental Trips to Home Country (for minimum purchases of 30 days	$1,000	$5,000	$10,000
Waiver of Pre-existing Conditions	After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.	After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement	After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.
Acute Onset of a Pre-existing Condition (during the initial 364 days of coverage)	Medical covered expenses up to $5,000	Medical covered expenses up to $10,000	Medical covered expenses up to $25,000
Mental Illness including Alcohol & Substance Abuse	INPATIENT: $5,000 (45 days max) OUTPATIENT: 80% of URC to $500	INPATIENT: $10,000 (45 days max) OUTPATIENT: 80% of URC to $1,000	INPATIENT: $20,000 (45 days max) OUTPATIENT: $2,000
Motor Vehicle Accident	INSIDE THE UNITED STATES 50% up to $100,000 OUTSIDE THE UNITED STATES Up to medical maximum	INSIDE THE UNITED STATES 75% up to $100,000 OUTSIDE THE UNITED STATES Up to medical maximum	INSIDE THE UNITED STATES 100% up to $100,000 OUTSIDE THE UNITED STATES Up to medical maximum
Non-contact Amateur Sports	$2,500	$5,000	$10,000
Maternity Care For a pregnancy to be covered, conception must occur 180 days after coverage begins.	$500 Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy.	INSIDE THE UNITED STATES IN PPO NETWORK: 80% up to $10,000 OUT OF PPO NETWORK: 60% up to $10,000 OUTSIDE THE UNITED STATES 80% up to $10,000 Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy	INSIDE THE UNITED STATES IN PPO NETWORK: 80% up to $25,000 OUT OF PPO NETWORK: 60% up to $25,000 OUTSIDE THE UNITED STATES 100% up to $25,000 Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy
Routine Newborn Care	$250 per newborn child	$500 per newborn child	$750 per newborn child
DENTAL
Dental - Sudden Relief of Pain (for minimum purchases of 30 days)	$150	$250	$350
Dental - Accident	$500	$1,000	$2,500
EMERGENCY SERVICES AND ASSISTANCE
Emergency Medical Evacuation & Repatriation	$100,000 (separate from the medical maximum)	$500,000 (separate from the medical maximum)	$750,000 (separate from the medical maximum)
Emergency Medical Reunion	Up to $200 per day/$15,000 maximum	Up to $200 per day/$25,000 maximum	Up to $200 per day/$50,000 maximum
Return of Child(ren)	$25,000	$40,000	$50,000
Return of Mortal Remains	$50,000	$50,000	$50,000
Local Burial/Cremation	$5,000	$5,000	$5,000
Natural Disaster Evacuation	$5,000	$10,000	$10,000
Natural Disaster Daily Benefit	$25 per day, 5-day limit	$50 per day, 5-day limit	$75 per day, 5-day limit
Political Evacuation & Repatriation	$10,000	$10,000	$10,000
Felonious Assault	$10,000 (separate from the medical maximum)	$25,000	$20,000 (separate from the medical maximum)
Terrorism	$25,000	$50,000	$100,000
24/7 Travel Assistance Services	Included	Included	Included
AD&D
Accidental Death and Dismemberment (AD&D)	$25,000 for primary participant; $10,000 for plan participant spouse; $5,000 for plan participant child; Aggregate limit of $250,000 for total number of insureds on plan	$25,000 for primary participant; $10,000 for plan participant spouse; $5,000 for plan participant child; Aggregate limit of $250,000 for total number of insureds on plan	$25,000 for primary participant; $10,000 for plan participant spouse; $5,000 for plan participant child; Aggregate limit of $250,000 for total number of insureds on plan
Personal liability	$25,000	$50,000	$100,000
OPTIONAL COVERAGE
Hazardous Activities	Up to medical maximum	Up to medical maximum	Up to medical maximum

The exclusions below apply to these benefits: Medical Covered Expenses, Coma, Extension of Benefits in Home Country, Incidental Trips to Home Country, Dental Emergency - Sudden Relief of Pain, Dental Emergency - Accident, Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Minor Children, Return of Mortal Remains, Local Burial/Cremation, Natural Disaster Evacuation and Repatriation, Political Evacuation and Repatriation, Accidental Death and Dismemberment, Personal Liability, and Optional Coverage - Hazardous Activities.

These exclusions exclude expenses that are for, resulting from, related to, or incurred for the following:

Pre-Existing Condition(s) except as waived for Waiver of Pre-existing Conditions, Acute Onset of Pre-existing Conditions, Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Mortal Remains, and Local Burial or Cremation;
Claims not received by the Company or Administrator within ninety (90) days of the date of service:
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;
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;
Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
Chiropractic care unless specifically provided for in the Plan or acupuncture;
Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
Durable medical equipment;
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;
Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
Vocational, occupational, sleep, speech, recreational, or music therapy;
Pregnancy, unless a Covered Pregnancy, and 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;
Sleep apnea or other sleep disorders;
Mental and Nervous Disorder unless specifically provided for in the Plan, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
Congenital abnormalities and conditions arising out of or resulting therefrom.
Temporomandibular joint;
Occupational Diseases;
Exposure to non-medical nuclear radiation or radioactive materials;
Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
Human organ or tissue transplants.
Exercise programs whether prescribed or recommended by a Physician or therapist;
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;
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;
Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
Injuries sustained while participating in professional Athletics, amateur Athletics, intercollegiate Athletic or interscholastic Athletics unless specifically provided for in the Plan 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;
Any Illness or Injury sustained while participating in an athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (and/ or any other collegiate sanctioning or governing body), or the International Olympic Committee;
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;
Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
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;
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;
Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
You while in Your Home Country unless covered under Extension of Benefits in Home country and Incidental Trips to Home Country;
Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
Travel accommodations;
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;
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;
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
Participating in contests of speed or riding or driving in any type of competition.
Loss of life;
Long-term disability;
Financial guarantee, financial default, bankruptcy, or insolvency risks;
Charges for pre-natal care, delivery, post-natal care, and care of Newborns, unless they are for a Covered Pregnancy;
Injury sustained or Disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with the proper dosing as directed by a Physician;
Injury sustained as the result of You operating a Motor Vehicle while not properly licensed to do so in the jurisdiction in which the Motor Vehicle Accident takes place.

LIAISON® STUDENT SERIES For J-1, H-3, F-1, M-1, or Q-1 visa (Has Maternity Coverage)

Why Liaison® Student?

LIAISON^® STUDENT SERIES For J-1, H-3, F-1, M-1, or Q-1 visa (Has Maternity Coverage)

Why Liaison^® Student?