US Customer Support

Liaison Continent Insurance

(For people traveling outside their home country )

Seven corners
Liaison Continent
  • Certain Underwriters at Lloyd’s of London and Tramont Insurance Company Limited
  • A (excellent) by AM Best
  • Seven Corners

    • Individuals and their families travelling outside home country
    • People visiting USA the plan must be bought within 3 months of arrival
Unique Features
  • Separate policies for travel to the US (Plans A or B) and outside the US (Plan E or F)
  • Maximum of 3 plan life deductibles per family
  • The applicant can choose between coinsurance options as well as deductible and maximum
  • $5,000 pre-existing conditions coverage for US citizens age 70+ traveling outside US and Canada
  • $50,000 coverage for travelers in age group 70-79 years

Advantages

  • Available for US and Non US Citizens
  • Up to $150,000 pre-existing conditions based on chosen plan maximum for non US citizens
  • Extensive PPO is available Outside US and most of them have direct pay agreements
  • Covers hazardous sports at additional price
  • Dependent child is covered at a cheaper rate if one of the parents is covered

Disadvantages

  • For travel to US, the plan must be purchased within 3 months of arrival in US
  • After 187 days of coverage, the traveler must return to his home country for more coverage
  • Non US Citizens aged 70+ are not covered for pre-existing conditions in US
  • $15,000 coverage for travelers aged 80+
Coverage Example:
Policy maximum of the plan: $1,000,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden body pain and the expense incurred is $250
Second incident is a minor accident and get hospitalized and is undergoing surgery for which the expense is $65,000
The following table shows the amount paid by the plan and the customer:
Expense Bill Amount Customer pays Plan Pays
First Visit to the Doctor due to body pain $250 $250 (Since the deductible is $250) 0
Minor Accidental hospitalization
Hospital Room and Board $25,000 $1,000 $4,000 (coinsurance: 80% of first $5,000) + $20,000
Other expense $40,000 $0 $40,000
Total: $65,250 $1,250 $64,000
The usage of deductible and coinsurance:
  • First time you visit the doctor with sudden body pain the bill amounts to $200 for a filling
  • You will have to pay the full $200 as the chosen deductible is $200
  • A few months later, you meet with a minor accident and get hospitalized to undergo a surgery for $65,000
  • Now the plan will pay 80% of the first $5,000. ie. Company will pay $4,000 and you will pay $1,000
  • The plan will then pay the remaining eligible expenses
satta king chart