All coverages and plan costs listed in this brochure are in U.S. Dollar amounts.

medical maximum: $50,000; $100,000; $500,000; $1,000,000 (ages 80+, maximum limited to $15,000)

deductible: $0; $100; $250; $500; $1000; $2500 Deductible is per person per Period of Coverage, maximum of three (3) Period of Coverage Deductibles per family. The selected Deductible and Coinsurance amount must be met for each six (6) month period. (see Continuing Coverage)

coinsurance:
class 1: U.S. or Canadian citizen traveling outside the United States. After You pay the Deductible, the plan pays 100% to the selected Medical Maximum.
class 2: Non U. S. citizens traveling to the United States.
  option 1: After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum
  option 2: After You pay the Deductible, the plan pays 100% of the next $2,500 of eligible expenses, then 80% to the selected Medical Maximum
class 3: Non U.S. citizens traveling outside of their Home Country (No travel inside of the U. S.) After You pay the Deductible, the plan pays 100% to the selected Medical Maximum.

hospital indemnity^*: class 1 & 3: $150 per night, up to a maximum of thirty (30) days

dental (sudden relief of pain):* class 1 & 3: $100

dental (accident coverage): To a maximum of $500

emergency medical evacuation/ repatriation: $300,000 (in addition to the Medical Maximum)

home country coverage: Incidental Trips to The Home Country: Up to $50,000; Extension of Benefits: Up to $5,000

return of mortal remains: $50,000

emergency reunion: $50,000

return of minor child(ren): $50,000

interruption of trip: $5,000

loss of checked luggage: $250

local ambulance expense: $5,000

accidental death & dismemberment (ad&d): $25,000 Principal Sum for Insured or Insured Spouse, $5,000 for Dependent Child(ren) Note: In the event of a Common Carrier Accidental Death, this benefit will not be paid.

common carrier accidental death: $50,000 Principal Sum for Insured or Insured Spouse; $10,000 per Dependent child(ren) under age of eighteen (18); $250,000 Maximum per family

hospital room & board: Usual, reasonable and customary to the selected Medical Maximum

intensive care: Usual, reasonable and customary to the selected Medical Maximum

outpatient medical expenses: Usual, reasonable and customary to the selected Medical Maximum

terrorism: Usual, reasonable and customary to the selected Medical Maximum (This benefit not available for states underwritten by Certain Underwriters at Lloyd's of London)

unexpected recurrence of a pre-existing conditions:^* class 1: Up to $20,000 for U.S. and Canadian citizens traveling outside the United States (Age 65+, up to $2,500, refer to exclusion #1 for details)

benefit period: 180 days

* These benefits are only available to Class 1 individuals

value
Seven Corners utilizes widely recognized and reputable insurance organizations to underwrite their programs. Seven Corners realizes that the value of an insurance program is in the professionalism of the underlying organization. Seven Corners continually invests in its people, systems, and solutions to make the insurance buying experience a favorable one for their clientele.

convenience
Seven Corners' program brochures and documentation offer a detailed description of the product and underlying coverage.

doctors & hospitals worldwide
Seven Corners has access to over 12,000 doctors and hospitals worldwide. With one phone call, Seven Corners can assist you in locating a provider. Seven Corners' Assist is trained to help you locate appropriate care.

why international medical insurance?
Each year, millions of people travel beyond the boundaries of their medical insurance. If you are concerned with the potential out-of-pocket expenses that could result from an Injury or Illness while traveling, Liaison^® International offers medical coverage and emergency services to individuals and families traveling outside their Home Country. This brochure is a brief description of Liaison^® International. After you have purchased the program a complete Program Summary will be mailed to you.

eligibility
Liaison^® International Plan provides coverage for individuals and families provided You are either: Class 1: U.S. or Canadian citizen traveling outside the United States Class 2: Non U.S. citizens traveling to the United States^* *Restriction: Class 2 individuals are not eligible for coverage if they have been residing in the U.S. for eighteen (18) consecutive months. Class 3: Non U.S. citizens traveling outside of their Home Country (No travel inside of the U. S.)

Eligible individuals may also purchase coverage for their eligible dependents. An eligible spouse shall be defined as the Primary Insured's legal spouse. An Eligible Dependent Child shall mean the Primary Insured Person's unmarried child(ren) over fourteen (14) days and under nineteen (19) years of age.

Home Country is defined as: The country where You have Your true, fixed and permanent home and principal establishment.

It is the Insured Person's responsibility to maintain all records regarding travel history, age and provide any documents to the Administrator, which would verify Eligibility Requirements.

period of coverage
The minimum Period of Coverage under the Liaison^® International Plan is five (5) days, maximum is six (6) months. Coverage can be purchased in a combination of monthly and/or daily periods by paying the appropriate Plan Cost.

medical expenses
Liaison^® International Plan shall pay Usual, 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, which are incurred within one hundred and 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 (emergency relief of pain)
(Class 1 & 3 Individuals only) – This plan shall pay in excess 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 the 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).^*

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 ordered and the attending Physician recommends that a family member travel with You, the plan will arrange and pay, up to $50,000, for a round trip economy-class transportation for one individual of Your choice, from Your Home Country, to be at Your side while You are hospitalized.^*

return of minor child(ren)
Should You be traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury and the Minor Child(ren), under age nineteen (19), is left unattended, the Plan will arrange and pay up to $50,000 for a one way economy fare to their Home Country (including the cost of an attendant escort, if necessary to insure the safety and welfare of a Minor Child(ren)).^*

hospital indemnity
(Class 1 & 3 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, 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 (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 the required notification of the Assistance Service Provider are contained in the Program Summary.

assistance services
Upon enrollment into Liaison^® 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 six (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 Your 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 Individuals only) This Plan shall pay, up to $20,000 (Age sixty-five (65) and older, 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 purchase an additional Period of Coverage not to exceed six (6) months in total from their original effective date. While a new Period of Coverage will be issued, the participant's original effective date will be used with regards to calculating their Deductible, Coinsurance, as well as determining any Pre-existing conditions.

hazardous sport coverage
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.

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 U.S. as well as hospital admissions and inpatient / outpatient surgeries incurred worldwide. The Assistance Company has trained personnel available 24 hours a day, 7 days a week throughout the year to answer Your questions, provide assistance, and guide You to an appropriate facility if necessary. In the case of an Emergency Admission, the Assistance Company must be contacted within 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 plan intended for use while away from Your Home Country. The Liaison^® International Plan can not guarantee payment to an individual or a facility for medical expenses until it has been determined that it is an eligible expense and a signed agreement has been received from the appropriate medical facility.

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 Liaison^® 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.

Rates based on a $250 Deductible
Effective Jan 1, 2009

U.S. or Canadian Citizens Traveling Outside the United States

Policy Maximum Options