International Medical Group

Liaison Student Elite Insurance

This plan will be available from June 19, 2018. Liaison Student Elite provides medical insurance benefits to students and other educational professionals with valid J-1, H-3, F, M or Q Visas. It can be renewed as long as the student satisfy the eligibility requirements and also offers coverage for maternity.

  • Eligibility
    • Non US Citizens and U.S Citizens
    • International Students, visiting faculty, scholars between 12 and 64 years of age and the student must be engaged in full-time educational, research activities residing outside their home country.
    • Non US citizens must have a valid J-1, H-3, F-1, M-1 or Q-1 Visa and are covered if destination is the United States.
    • U.S. citizen must have a current passport and visa issued by their host country and are covered for destinations outside of the United States.
  • Coverage: 5 days to 364 days
Country Restrictions:
  • State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
  • Country Restrictions: The plan will not accept an address in Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
  • Destination Restrictions: The plan will not cover trips to Islamic Republic of Iran and Syrian Arab Republic.
  • RATING : A (excellent) by AM Best
  • UNDERWRITER : Certain Underwriters at Lloyd's of London (rated "A" (Excellent) by AM Best) and Tramont Insurance Company Limited.
  • ADMINISTRATOR : Seven Corners

Plans Highlights

POLICY MAXIMUM

Lifetime Medical Maximum: $5,000,000

Medical Maximum Options:
Ages 14 days to 64: $50,000; $100,000; $250,000; $500,000; $1,000,000

DEDUCTIBLE

$0, $50, $100, $250, $500, $1,000

COINSURANCE
Inside the United States
  • In ppo network: We pay 80% of the first $5,000, then 100% to the medical maximum.
  • Out of ppo network: We pay 70% of the first $5,000, then 100% to the medical maximum
Inside the United States
  • The plan pays 100% to the medical maximum.

Benefits Details

Benefits Coverage
Medical Maximum Options
(per person per disablement)
Ages 14 days to 64
$50,000; $100,000; $250,000; $500,000; $1,000,000
Hospital room and board Usual, Reasonable and Customary to the medical maximum.
Prescription Drugs Inside the U.S - $0 copay (not subject to the deductible)
Outside the U.S - $0 copay (deductible applies)
Vaccinations
(in the U.S. only as required by school, university or visa program)
$200 per 364 days of continuous coverage
Physical Therapy $75 per day to a max of 60 days
Spinal Manipulation $75 per day to a max of 60 days(if prescribed by a physician for pain relief)
Local Ambulance Benefit Inside the U.S - $750 per disablement (injury/illness) Outside the U.S - Up to medical maximum
Coma Benefit $50,000 (separate from the medical maximum)
Extension of Benefits to Home Country $10,000
Incidental Trips to Home Country
(for minimum purchases of 30 days)
$10,000
Waiver of Pre-existing Conditions After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.
Acute Onset of a Pre-existing Condition
(during the initial 364 days of coverage)
Medical covered expenses up to $25,000
Mental Illness including Alcohol & Substance Abuse Inpatient: $20,000 (45 days max), Outpatient: $2,000
Motor Vehicle Accident INSIDE THE UNITED STATES
100% up to $100,000
OUTSIDE THE UNITED STATES
Up to medical maximum
Non-contact Amateur Sports $10,000
Maternity Care
For a pregnancy to be covered, conception must occur 180 days after coverage begins.
$500
Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy
Routine Newborn Care $750 per newborn child
Dental - Sudden Relief of Pain
(for minimum purchases of 30 days)
$350
Dental - Accident $2,500
Emergency Medical Evacuation & Repatriation $750,000 (separate from the medical maximum)
Emergency Medical Reunion Up to $200 per day/$50,000 maximum
Return of Child(ren) $50,000
Return of Mortal Remains $50,000
Local Burial or Cremation $5,000
Natural Disaster Evacuation $10,000
Natural Disaster Daily Benefit $75 per day, 5-day limit
Political Evacuation & Repatriation $10,000
Accidental Death and Dismemberment (AD&D) $25,000 for primary participant;
$10,000 for plan participant spouse;
$5,000 for plan participant child;
Aggregate limit of $250,000 for total number of insureds on plan
Terrorism $100,000
Personal liability $100,000
Hazardous Activities Up to medical maximum

Medical Maximum Options
(per person per disablement)

Ages 14 days to 64
$50,000; $100,000; $250,000; $500,000; $1,000,000

Hospital room and board

Usual, Reasonable and Customary to the medical maximum.

Prescription Drugs

Inside the U.S - $0 copay(not subject to the deductible)
Outside the U.S - $0 copay (deductible applies)

Vaccinations
(in the U.S. only as required by school, university or visa program)

$200 per 364 days of continuous coverage

Physical Therapy

$75 per day to a max of 60 days

Spinal Manipulation

$75 per day to a max of 60 days(if prescribed by a physician for pain relief)

Local Ambulance Benefit

Inside the U.S - $750 per disablement (injury/illness) Outside the U.S - Up to medical maximum

Coma Benefit

$50,000 (separate from the medical maximum)

Extension of Benefits to Home Country

$10,000

Incidental Trips to Home Country
(for minimum purchases of 30 days)

$10,000

Waiver of Pre-existing Conditions

After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.

Acute Onset of a Pre-existing Condition
(during the initial 364 days of coverage)

Medical covered expenses up to $25,000

Mental Illness including Alcohol & Substance Abuse

Inpatient: $20,000 (45 days max), Outpatient: $2,000

Motor Vehicle Accident

INSIDE THE UNITED STATES
100% up to $100,000
OUTSIDE THE UNITED STATES
Up to medical maximum

Non-contact Amateur Sports

$10,000

Maternity Care
For a pregnancy to be covered, conception must occur 180 days after coverage begins.

$500
Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy

Routine Newborn Care

$750 per newborn child

Dental - Sudden Relief of Pain
(for minimum purchases of 30 days)

$350

Dental - Accident

$2,500

Emergency Medical Evacuation & Repatriation

$750,000 (separate from the medical maximum)

Emergency Medical Reunion

Up to $200 per day/$50,000 maximum

Return of Child(ren)

$50,000

Return of Mortal Remains

$50,000

Local Burial or Cremation

$5,000

Natural Disaster Evacuation

$10,000

Natural Disaster Daily Benefit

$75 per day, 5-day limit

Political Evacuation & Repatriation

$10,000

Accidental Death and Dismemberment (AD&D)

$25,000 for primary participant;
$10,000 for plan participant spouse;
$5,000 for plan participant child;
Aggregate limit of $250,000 for total number of insureds on plan

Terrorism

$100,000

Personal liability

$100,000

Hazardous Activities

Up to medical maximum

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+1(877)340-7910

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