US Customer Support
Liaison Continent Insurance
(For people traveling outside their home country )
- Certain Underwriters at Lloyds 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
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
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