Liaison® Continent is a comprehensive coverage plan for persons traveling outside their home country.* You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.
*This plan is not for U.S. Citizens coming to the U.S, even if their permanent residence is outside the U.S.
What is covered and not covered?
Liaison® Continent will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions (except acute onset of pre-existing conditions up to $25,000 for persons age below 65 years and up to $2,000 for persons age 65-69), preventive check ups, immunizations or maternity.
Prescription drugs are covered like any other eligible medical expenses.
Dental is covered only up to $100 for acute pain to sound and natural teeth (minimum 1 month purchase). For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.
Liaison® Continent provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your chosen deductible once per policy period (varies from $0 to $2,500) before the insurance plan starts paying for covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of co-pay.
After that, within PPO network, the plan pays 75% up to the selected policy maximum, ranging from $50,000 to $1,000,000, depending upon your age. Please note that you pay 25% all the way up to the selected policy maximum, and not just for first $5,000.
Let's assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.
Let's assume that the doctor charges you $150/visit and you need to visit several times.
The first time you visit the doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
When you visit the doctor next time, he charges you $150, you will have to pay $100 yourself. You have now completely satisfied your deductible once per policy period. There is now $50 remaining, the plan pays 75%, that is $37.50 and you pay 25%, that is $12.50.
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance plan will pay 75%, up to $50,000. You will pay 25% up to $50,000, that is $12,500.
Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of needing to use the insurance, you pay your $250 deductible plus 25% of $23,750, which is $5,937.50, and the insurance plan will pay the rest.
Even if you renew your insurance, you don't have to pay the deductible again.