For those undertaking short-term international travel, the liaison continent medical insurance plan provides several options. This basic plan insures the plan holder mainly against medical illnesses and accidents. Another plan from the Liaison stable, Liaison Majestic, offers more comprehensive coverage.
You can choose the maximum benefit for your plan, from the following: $50,000, $100,000, $500,000, and $1,000,000. Anyone older than 14 days can participate in the plan.. Also, the plan can be renewed using the original contribution, deductible and pre-existing conditions for up to six months.
Various plan options are available, depending on the applicable co-insurance rate chosen. Different plans are available for those traveling to the United States and Canada, and those traveling outside these two countries. The premium varies according to the option, maximum benefit, and deductible chosen.
The liaison continent medical insurance plan covers medical costs related to: doctor consultation, inpatient and outpatient treatment, intensive care or coronary care, tests and exams for diagnosis, and ambulance to the hospital. You can also get reimbursed for physiotherapy and home health care where recommended. If you need to book a hotel room because there is no hospitalization facility where you’re traveling,you will be reimbursed for the charges.
Other benefits of the plan include dental emergencies where applicable and eligible. In case emergency evacuation is called for, the Liaison Continental covers the evacuation, along with the travel of a close family member. If an unattended minor results from hospitalization, the plan covers the minor’s return trip home. The plan also offers accidental death and dismemberment benefits, and pays for the return of the mortal remains home in case of fatality.
The liaison continent visitors health insurance plan does not end the moment the insured steps out of the travel destination. Incidental trips to the home country are also covered, as are conditions first noticed or treated abroad. In case the plan holder has to rush home due to the destruction of his/her primary residence, the Liaison Continental plan covers the insured’s immediate return home. Loss of baggage is covered too, up to $250.
If you are a U.S. citizen, the pre-existing condition exemption is waived, and you are covered for up to $20,000 for pre-existing conditions. If your trip will comprise activities related to hazardous sports, you can purchase coverage by paying an additional premium.
The administrators of the liaison continent insurance plan are Seven Corners, Inc. The plan is underwritten by Certain Underwriters at London-based Lloyd’s, and is certified “A” by the A.M. Best Company. The plan is associated with the Hygeia network in the United States.
Dan Miller often writes about travel Insurance
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