Effective Date of Coverage begins on the latest of the following:

1.  The date and time the Company receives a completed application and plan cost for the Period of Coverage; or

2.  The Effective Date requested on the application; or

3.  The moment You depart Your Home Country; or

4.  The date the Company approves the application.

Expiration Date of Coverage terminates on the earlier of the following:

1.   Your return to Your Home Country (except as provided under the Home Country Coverage); or

2.   The expiration of six (6) months from the Effective Date of Coverage; or

3.   The date shown on the ID card; or

4.   The end of the period for which plan cost has been paid; or

5.   The date You fail to be considered an Eligible Person; or

6.   The maximum benefit amount has been paid.

You can download and review a brochure for a description of benefits and exclusions. 

DESCRIPTION OF COVERAGE

Medical 

Liaison International plan shall pay Reasonable and Customary charges for Covered Expenses, excess of  the chosen Deductible and Coinsurance up to the selected Medical Maximum, incurred by You due to an Accidental Injury or Illness which occurred during the Period of Coverage outside Your Home Country (except as provided under the Home Country Coverage).  All bodily disorders existing simultaneously which are due to the same or related causes shall be considered one Disablement.  If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement.  The initial treatment of an Injury or Illness must occur within thirty (30) days of the date of Injury or onset of Illness. 

Only such expenses which are specifically enumerated in the following list of charges, are incurred within one hundred eighty (180) days from the date of accident or onset of Illness and which are not excluded, shall be considered Covered Expenses:

1)         Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.

2)         Charges made for Intensive Care or Coronary Care charges and nursing services.

3)         Charges made for diagnosis, Treatment and Surgery by a Physician.

4)         Charges made for an operating room.

5)         Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis.  This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

6)         Charges made for the cost and administration of anesthetics.

7)         Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, iron lungs, and medical Treatment.

8)         Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement
and administered by a licensed physiotherapist.

9)         Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a  Physician or Surgeon.

10)        Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment.  Such transportation shall be by licensed ground ambulance only to a limit of $5,000, within the metropolitan area in which You are located at that time the service is used.  If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense. 

Dental - Accident Coverage – This plan shall pay in excess of the chosen Deductible and Coinsurance of up to a maximum of $500, for emergency treatment to repair or replace sound natural teeth damaged as the result of a covered accident.   

Dental Class 1 Individuals Only – This plan shall pay in excess of the chosen Deductible and Coinsurance up to a maximum of $100, for emergency Treatment for the relief of pain to natural teeth. 

Emergency Medical Evacuation/Repatriation - The plan will pay Covered Expenses incurred if any covered Injury or Illness commences during the Period of Coverage that results in a Medically Necessary Emergency Medical Evacuation or Repatriation (your medical condition warrants immediate transportation from the medical facility where you are located to the nearest adequate medical facility where medical treatment can be obtained).  This benefit must be arranged by the Assistance Company in consultation with the local attending Physician.* 

Return of Mortal Remains - The Program will pay the reasonable Covered Expenses incurred up to a maximum of $50,000 to return your remains to your Home Country, if you should die.* 

Emergency Medical Reunion - When Emergency Medical Evacuation or Repatriation is arranged and the attending Physician recommends that a family member travel with you, the program will arrange and pay, up to $50,000, for round-trip economy-class transportation for one individual of your choice, from your Home Country, to be at your side while you are hospitalized and then accompany you during your return to your Home Country.  

Return of Minor Child(ren) - If you are traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury and the Minor Child(ren), under age 19, is left unattended, the program will arrange and pay up to $50,000 for one-way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to ensure the safety and welfare of a Minor Child(ren)).* 

Hospital Indemnity – Class 1 Individuals Only If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which occurs during Your Period of Coverage and that Illness or Injury is not covered under this plan per the Exclusions and Limitations listed, this plan will pay Benefits up to $150 per day of confinement, in addition to any other covered expense, up to a maximum of thirty (30) days. 

Interruption of Trip - If you are unable to continue the Trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.).  The plan will reimburse you (up to $5,000) for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return you home to your area of principal residence. * 

* NOTE: In the event of Emergency Medical Evacuation, Repatriation, Return of Mortal Remains, Emergency Reunion, Return of Minor Child(ren) or Interruption of Trip benefit is needed or utilized, all arrangements must be made by the Assistance Service Provider.  Complete details about the benefits and about the required notification of the Assistance Service Provider are contained in the Program Summary.   

Assistance Services - Upon enrollment into Liaisonâ International, you are eligible to use any of the assistance services provided by the Assistance Services Provider.  Additional information is contained in the Program Summary.  Open 24 hours / day, 365 days a year  •  Multilingual personnel  •  Physicians / Nurses on staff  •  Locate local facilities  •  Help with emergency situations. 

Home Country Coverage – Incidental Trips to Your Home Country:  This benefit covers you for incidental trips to your Home Country (30 days per 6 months of purchased coverage or pro rata thereof - example: approximately 5 days per month of purchased coverage).  Maximum benefit is reduced to $50,000 for any Illness or Injury occurring while on an incidental trip to your Home Country.   

Please note: If you do not use Your Home Country Coverage days within Your Period of Coverage, they do not extend after Expiration Date. 

Extension of Benefits: This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions that are first diagnosed and treated outside Your Home Country (Does not apply for Emergency Medical Evacuation or Repatriation). 

Loss of Checked Luggage - If Your checked luggage is permanently lost by the airline, the program will reimburse you for the replacement of clothing and personal hygiene items lost to a maximum per article limit of $50 (up to $250).  This benefit is secondary to any other (including airline) coverage available.  You must furnish proof to the Company that full reimbursement has been obtained from the airline.  

Unexpected Recurrence of a Pre-Existing Condition (Class 1 only) – This plan shall pay, up to $20,000 (Age 65+, up to $2,500) subject to the chosen Deductible and Coinsurance, for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-existing Condition while traveling outside the United States.  This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.  

OPTIONS 

Continuing Coverage

A continuation of coverage option is available to participants whose initial Period of Coverage is less than six (6) months.  If the participant must extend their trip beyond their initial Period of Coverage, that participant may extend their Period of Coverage, but may not exceed six (6) months in total from their original effective date.  The participant’s original effective date will be used with regards to calculating their deductible, coinsurance, as well as determining any Pre-existing conditions.  Please note that a new certificate or certificate number will not be issued.  The original certificate’s expiration date will be extended to the new expiration date you have requested, not to exceed six (6) months in total from your effective date. 

Hazardous Sport Coverage – The following are covered if the required premium has been paid:  Motorcycle/motor scooter riding (whether as a driver or passenger), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, snow boarding and spelunking. 

Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute. 

PRE-NOTIFICATION / REFERRAL

In order to ensure your claims are addressed as efficiently as possible, you or the provider of service must contact the Assistance Company for Pre-notification prior to: any medical treatment in the US, as well as hospital admissions and inpatient / outpatient surgeries incurred worldwide. The Assistance Company has trained personnel available twenty-four (24) hours a day, seven (7) days a week throughout the year to answer your questions, provide assistance, and guide you to an appropriate facility. In the case of an Emergency Admission, the Assistance Company must be contacted within forty-eight (48) hours, or as soon as reasonably possible. Pre-notification does not guarantee that benefits will be paid.  

Please be aware that this is not a general health insurance policy, but an interim, limited benefit period, travel medical program intended for use while away from your Home Country.  Liaisonâ International does not guarantee payment to a facility or individual for medical expenses until Seven Corners determines that it is an eligible expense.    

REFUND OF PREMIUM

Seven Corners realizes that there is uncertainty in international travel.  Refund of total plan cost will only be considered if written request is received by Seven Corners prior to the Effective Date of Coverage.  If written request is received after the Effective Date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to Seven Corners for reimbursement. 

CLAIM SUBMISSION

Filing a claim with Seven Corners is easy.  You will receive a Liaisonâ International identification card and claim form after your application has been processed.  When you receive treatment, send the original, itemized bills to Seven Corners within ninety (90) days.  Eligible bills are automatically converted from local currencies to U.S. dollars.  For payments of eligible medical expenses, notify Seven Corners of pending treatments and we can refer you to approved healthcare providers worldwide.  You're only responsible for your deductible, coinsurance and non-eligible expenses.  For more details, consult the Program Summary that is provided with your insurance kit, or contact the Seven Corners Claim Department.

EXCLUSIONS

No Benefit shall be payable for Accident Medical, Sickness Medical, In-Hospital Indemnity, Unexpected Recurrence, Dental, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Return of Minor Child, Emergency Medical Reunion, as the result of:

1.    Pre-existing Conditions:  Any Injury or Illness which meets the following criteria (unless covered under the Unexpected Recurrence benefit):  1) a condition that would have caused a person to seek medical advice, diagnosis, care or treatment during the thirty-six (36) months prior to the Effective Date of coverage under this policy; 2)  a condition for which medical advice, diagnosis, care or treatment was recommended or received during the thirty-six (36) months prior to the Effective Date of coverage under this policy.  For Class 1 – U.S. or Canadian citizens traveling outside the United States, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months.  This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains.

Note:  Class 1 – U.S. or Canadians citizens traveling outside the United States shall receive up to $20,000 (Age 65+, up to $2,500) subject to the chosen Deductible and Coinsurance, for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-existing Condition while traveling outside the United States.  This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date
of coverage.

2.    Injury or Illness which is not presented to the Company for payment within 3 months of receiving Treatment;

3.    Charges for Treatment which is not Medically Necessary;

4.    Charges provided at no cost to You;

5.    Charges for Treatment which exceeds Reasonable and Customary charges;

6.      Charges incurred for Surgery or treatments which are, Experimental/Investigational, or for research purposes;

7.    Services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;

8.    Suicide, or any attempt thereof, while sane or self destruction or any attempt thereof, while sane;

9.    Any consequence, whether proximately or remotely occasioned by, or traceable to, or arising in connection with the following, which shall hereinafter for the purposes of this Exclusion be called the “Incidents”:

a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.

b) mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power.

c) any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government du jure or de facto.

d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of marital law or state of siege.

Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether proximately or remotely occasioned by, traceable to, arising in connection with, any of the said Incidents shall be deemed to be consequences for which the Company shall not be liable under this plan except to the extent that the Insured Person shall prove that such consequence happened independently of the existence of such abnormal conditions.

10.  Injury sustained while participating in professional athletics;

11.  Injury sustained while participating in amateur or interscholastic athletics; this exclusion does not apply to non-competitive, recreational or intramural activities.  Note:  A sponsored and/or organized Amateur or Interscholastic Athletic event includes training camps, team sports, or any formal grouping of people participating in one or multiple events that may/may not require a fee for participation.

12.  Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a disablement established by a prior call or attendance of a Physician;

13.  Treatment of the temporomandibular joint;

14.  Vocational, speech, recreational or music therapy;

15.  Services or supplies performed or provided by a relative of Yours, or anyone who lives with You;

16.  Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this plan, treatment of a deviated nasal septum shall be considered a cosmetic condition;

17.  Elective Surgery which can be postponed until You return to Your Home Country, where the objective of the trip is to seek medical advice, treatment or Surgery;

18.  Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;

19.  Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;

20.  Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent;

21.  Injury sustained or Disablement due wholly or partly to the Insured being intoxicated as defined and determined by the laws of the state where the Injury occurred; or to the Insured being under the influence of any narcotic, unless administered on the advice of a Physician;

22.  Any Mental and Nervous disorders or rest cures;

23.  Congenital abnormalities and conditions arising out of or resulting there from;

24.  Expenses which are non-medical in nature;

25.  Expenses as a result of or in connection with intentionally self-inflicted Injury or Illness;

26.  Expenses as a result of or in connection with the commission of a felony offense;

27.  Injury sustained while taking part in mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding (whether as a driver or passenger); scuba diving, involving underwater breathing apparatus (unless PADI or NAUI certified); water skiing; snow skiing; spelunking; parasailing and snowboarding.  Hazardous Sport Coverage:  the following are covered if the required premium has been paid: motorcycle/motor scooter riding (whether as a driver or passenger), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, snowboarding and spelunking.

28.  Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government plan or facility set up for treatment without any cost to You;

29.  Treatment of venereal disease;

30.  Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this plan;

31.  Routine Dental Treatment;

32.  For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage;

33.  For miscarriage resulting from Accident;

34.  Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof;

35.  Treatment for human organ tissue transplants and their related treatment;

36.  Expenses incurred while in Your Home Country, except as provided under the Home Country Coverage;

37.  Expenses incurred during a Hospital emergency visit which is not of an emergency nature;

38.  Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical treatment for a condition;

39.  Covered Expenses incurred during a Trip after Your Physician has limited or restricted travel;

40.  This plan does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act.

41.  Sex change operations, or for treatment of sexual dysfunction or sexual inadequacy;

42.  Weight reduction programs or the surgical treatment of obesity;

43.  Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), Aids-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV). 

SEVEN CORNERS ASSIST

Seven Corners Assist is a leading provider of customized emergency assistance services to international organizations, corporations, government entities, insurance companies, and individual travelers.  Regardless of the location, Seven Corners Assist provides valuable assistance in locating the best possible medical treatment.   

THE INSURANCE COMPANY

Liaisonâ International is underwritten by Nationwide Mutual Insurance Company, Nationwide Life Insurance Company and Nationwide Mutual Fire Insurance Company.  (States not underwritten by Nationwide are underwritten by Certain Underwriters at Lloyd’s, London.  Please contact Seven Corners for a listing of these states.) 

THE PROGRAM ADMINISTRATOR

Medical care is different throughout the world and providing quality medical attention should be the ultimate goal of any program.  Most companies are not prepared to meet the unique needs of international travelers.  An organization must be equipped to address foreign currencies, international doctors and hospitals, as well as unusual claim forms and documents. Liaisonâ International is designed and administered by Seven Corners, Inc.  The claim and assistance professionals at Seven Corners collectively have over 250 years of experience in claim processing and administration.  

SEVEN CORNERS

Since 1993, Seven Corners, Inc. has alleviated many of the concerns with international travel by providing insurance plans to private citizens, governments, missionaries, students, and corporations of various nations around the globe.   Each year, thousands of insureds purchase coverage from Seven Corners in order to obtain the most comprehensive and reliable products in the international insurance industry. 

Our assistance professionals are experienced in the complexity and importance of receiving medical care internationally.  As an insured of Seven Corners, you can feel confident that there is someone ready to assist you with a medical situation 24 hours a day, 7 days a week, 365 days a year. 

INFORMATION

Liaisonâ International is available in all states for foreign nationals traveling in the United States.  For a U.S. Citizen traveling overseas, the program is available in selected states.  Policy terms and conditions are briefly outlined in this brochure.  

Complete provisions pertaining to this insurance are contained in the Master Policy on file with the trustee, American Consumer Insurance Trust, and Liaisonâ International. In the event of any conflict between this brochure and the Master Policy, the Master Policy will govern. A Program Summary, listing more detailed exclusions, will be mailed to you along with Your ID Card once coverage is purchased. 

Excluded Country List: Coverage is not available for travel to or from the following countries*:

Albania, Bulgaria, Belarus, Bosnia-Herzegovina, Burma, Ivory Coast, Congo, Republic of the, Congo, Democratic Republic of the, Cote d'Ivoire, Croatia, Cuba, Greece, Iran, Iraq, Liberia, Macedonia, North Korea, Palestinian Authority, Sudan, Serbia-Montenegro, Syrian Arab Republic, Turkey and Zimbabwe

Notice to Florida residents: The benefits of this policy providing Your coverage are governed by the law of a state other than Florida. Your Homeowners policy, if any, may provide coverage for loss of personal effects provided by the Loss of Checked Luggage coverage. This insurance is not required in connection with the purchase of Your travel arrangements.