The liaison continent medical insurance plan is a low-cost, simpler version of the Liaison Majestic plan. The liaison continent visitor insurance plan offers a range of medical benefits for visitors to the United States and Canada, and for other international travel. It is especially suited for those who are looking to insure against the most common occurrences.
The plan benefits range from $50,000 to $1 million. The maximum plan period is six months, and anyone older than 14 days can avail of the plan. The plan can be renewed for up to six months, with the original date used for determining/ the coinsurance, deductible and pre-existing conditions.
You can choose from four plans under the Majestic Continental Travel Insurance plan depending on whether you are traveling to the United States or Canada, or traveling outside these two countries. Your premium will depend on the plan, deductible, your age, and optional coverage chosen.
The liaison continent visitor insurance plan covers the entire gamut of medical care: ambulance services, physician consulting charges, diagnostic test costs, inpatient or outpatient charges (as the case may be), critical care costs and coronary care costs. The plan also covers auxiliary services like physiotherapy and home health care, on the doctor’s recommendation/advice. If there is no hospital room in the area, the plan also covers hotel room charges.
Other benefits of the plan include dental emergencies where applicable and eligible. In case emergency evacuation is called for, the Liaison Continental covers the evacuation, along with the travel of a close family member. If an unattended minor results from hospitalization, the plan covers the minor’s return trip home. The plan also offers accidental death and dismemberment benefits, and pays for the return of the mortal remains home in case of fatality.
The liaison continent insurance plan does not end the moment the insured steps out of the travel destination. Incidental trips to the home country are also covered, as are conditions first noticed or treated abroad. In case the plan holder has to rush home due to the destruction of his/her primary residence, the Liaison Continental plan covers the insured’s immediate return home. Loss of baggage is covered too, up to $250.
Although previously existing conditions are exempt from coverage, the plan waives the clause for U.S. citizens traveling abroad, for a maximum of $20,000. Injuries resulting from hazardous sports are not included in the liaison continent medical insurance plan, but coverage can be purchased for an additional fee.
The liaison continent visitor insurance plan is part of the Hygeia Network in the United States, and A.M. Best Company rates the plan “A”. The plan administrators are Seven Corners, Inc., and the plan underwriters, Certain Underwriters at Lloyd’s, London.
Dan Miller enjoys writing about Visitors Insurance USA
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