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Liaison® Continent

Medical Insurance That Covers You Outside Your Home Country

5 Days to 187 Days

Acute Onset of Pre-Existing Conditions - Covered up to $25,000 for age below 65 years, $2,000 for age 65-69

The Liaison Continent plan provides coverage for the acute onset of pre-existing conditions to non-U.S. residents under age 65 up to $25,000 and for ages 65-69 up to $2,000. It’s important to know what a pre-existing condition is to understand an acute onset of a pre-existing condition.

Pre-Existing Condition

Pre-existing Condition(s) shall mean any medical condition, Sickness, Injury, Illness, Disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36* months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, Sickness, Injury, Illness, Disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36 month period immediately preceding the Effective Date of Coverage under this Certificate.

*For Insured Persons traveling outside the United States, the period is 12 months instead of 36 months.

Acute Onset of Pre-Existing Conditions

An "Acute Onset of a Pre-existing Condition" is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms and requires urgent care, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. 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.

Limitations

  • To be considered a Covered Expense under this benefit, the expenses for an Acute Onset must be incurred in the United States and must be a result of an Acute Onset which occurs in the United States.
  • Acute Onset coverage ends when the member is no longer acute or discharged from the hospital, whichever occurs first.
  • The benefit covers one acute episode per pre-existing condition.
  • A condition is not considered an acute onset if there was a prescription/treatment change (30 days prior to the acute event) for a diagnosis related to the acute event.

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