US Customer Support
Liaison Student Insurance
(Coverage for traveling student)
- United States Fire Insurance Company and Certain Underwriters at Lloyds of London
- A (excellent) by AM Best
- Seven Corners
- International Students or US Students age at least 12 years temporarily residing their home country
- Coverage is available till the age of 64 years
- The applicant must be engaged in full-time educational or research activities outside his/her home country
Unique Features
- Renewable up to the age of 65 years as long as the student is eligible
- $250,000 medical coverage for accident and sickness
- Choice of coinsurance
- No coinsurance
- 80% of first $10,000 then 100% to plan maximum
- Offers sports related injuries coverage up to plan maximum for US students
Advantages
- $500 pre-existing conditions coverage for US citizens
- Maternity is covered as any illness
Disadvantages
- No pre-existing conditions coverage for non US citizens
Coverage Example:
Policy maximum of the plan: $250,000
Deductible: $100
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sickness and the expense incurred is $100
Second incident is a accident and get hospitalized and is undergoing surgery for which the expense is $40,000
Policy maximum of the plan: $250,000
Deductible: $100
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sickness and the expense incurred is $100
Second incident is a accident and get hospitalized and is undergoing surgery for which the expense is $40,000
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 sickness | $100 | $100 (Since the deductible is $100) | $0 |
| Accidental hospitalization | |||
| Hospital Room and Board | $20,000 | $2,000 | $8,000 (coinsurance: 80% of first $10,000) + $10,000 |
| Other expense | $20,000 | $0 | $20,000 |
| Total: | $40,100 | $2100 | $38,000 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden body pain the bill amounts to $100 for a filling
- You will have to pay the full $100 as the chosen deductible is $200
- A few months later, you meet with a accident and get hospitalized to undergo a surgery for $40,000
- Now the plan will pay 80% of the first $10,000. ie. Company will pay $8,000 and you will pay $2000
- The plan will then pay the remaining eligible expenses
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