US Customer Support
Liaison International Insurance
(Offers coverage for few benefits for travelers outside their home country)
- United States Fire Insurance Company and Certain Underwriters at Lloyds of London
- A (excellent) by AM Best
- Individuals and their families travelling outside home country
- Seven Corners
Unique Features
- Coverage up to 187 days
- Travelers age 65 to 79 years are offered $50,000 coverage in USA
- Coinsurance options for coverage in US:
- Plan will pay 80% up to 1st $5,000, then 100% to plan max
- Plan will pay 100% up to 1st $2,500, then 80% plan max
- Maximum of 3 plan life deductibles per family
- $20,000 coverage for pre-existing conditions for US citizens travelling outside US. Reduced to $5,000 for travelers aged 70+ years
- $15,000 coverage for pre-existing conditions for Non US citizens under 70 years of age in US
Advantages
- No coinsurance outside US
- Available for US and Non US Citizens
- Dependent child is covered at a cheaper rate if one of the parent is covered
- Adventure Sports is covered at additional price
Disadvantages
- No coverage for political evacuation
- No coverage in Maryland and Washington
- $15,000 maximum coverage travelers aged 80+ years
- Pre-existing conditions is not covered for Non US citizens aged 70+ in US
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 eye pain and the expense incurred is $300
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $50,000
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 eye pain and the expense incurred is $300
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $50,000
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 Sudden eye Pain | $300 | $250 (Since the deductible is $250) | $50 |
| Accidental hospitalization | |||
| Hospital Room and Board | $20,000 | $1000 | $4,000 (coinsurance: 80% of first $5,000) + $15,000 |
| Other expense | $30,000 | $0 | $30,000 |
| Total: | $50,300 | $1250 | $49,050 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden eye pain the bill amounts to $300 for a filling
- You will have to pay the $250 as the chosen deductible is $250 and the remaining amount, $50 the plan pays
- A few months later, you meet with a motor accident and get hospitalized to undergo a surgery for $50,000
- Now the plan will pay 80% of the first $5,000. ie. Company will pay $4,000 and you will pay $1000
- The plan will then pay the remaining eligible expenses
Copyright © 2014 InsureUSvisitors.com