I see that there are so many Liaison insurance plans. They all look very similar. What is the difference?
There are few primary differences:
Co-insurance amount (100%, 90/10, and 80/20) and the out of pocket maximum amount.
When you do the instant quotes on this web site, in the 'Details' section, the first line describes the co-insurance. Further details can be found in the brochure.
Liaison Travel Economy, Liaison Travel Choice, and Liaison Travel Elite offer the same policy maximum options for people aged 2 weeks through 79 years; however, for people 80 and older, Liaison Travel Economy and Liaison Travel Choice provide $15,000 and Liaison Travel Elite offers $20,000.
Maximum duration you can purchase the insurance for.
Liaison Travel Economy and Liaison Travel Choice insurance plans can be purchased for a maximum of 364 days. Liaison Travel Elite can be purchase up to 1,092 days (three 364 day periods).
You can also find these differences when you compare the plans side by side, which can be done by checking the check boxes next to each plan and hitting the 'Compare' button when you are looking at the quotes.
Is there any difference in terms of quality, customer service, PPO network or handling the claims?
No, there is no difference. They are all from the same plan administrator and participate in the same PPO networks. The major differences are what you see clearly on our web site in features and price.
When I look at the names of different Liaison plans, they seem to suggest that the coverage area would be different in different plans. Is that true?
The names of different Liaison plans were chosen to portray the coverage amounts.
- Liaison Travel Economy provides basic coverage
- Liaison Travel Choice provides average coverage
- Liaison Travel Elite provides above standard coverage.
They are all designed to provide temporary coverage outside the home country. There are some country specific restrictions, described in the details section and/or in the brochure, to exclude the coverage in some high risk countries but that is completely independent of what the name suggests.
In the above FAQ, you claim that there is no difference. But there must be some difference that you don't know. Otherwise, why would there be different plans? Can you find out for sure and tell me the difference?
Multiple Liaison plans that look similar (or the same) exist for historical reasons that are not even relevant from the customer point of view. If you are looking to buy any of the three plans and any of them would suffice your requirements, in general, you would choose the one that is lower price, unless any other feature (such as max. policy duration or the available policy maximum) is important to you that are different in the plan.
If there multiple plans that are exactly the same, why do you offer such duplicate plans? It is very confusing to me.
While we understand your feelings, we offer them simply because they exist in the market and we offer all major plans from all major companies. Even though for a given situation, two plans may be the same, but they are not the same for all situations. Moreover, if we didn't offer a particular plan, but a competitor did, customers would claim why we don't offer that particular plan.
Seven Corners offers several plans from multiple insurance underwriters. Essentially they are all very similar. Each insurance underwriter has their own regulations and underwriting guidelines. The benefit to offering plans from multiple underwriters is the ability to modify plans according to market trends, etc.