Liaison Student Elite vs Patriot Exchange

There is a Patriot Exchange and Liaison Student Elite plans with various maximum coverage limits & deductibles. We have provided a friendly insurance compare facility where you can compare these policies, download plan brochures, obtain online quotes and also purchase plans.

Compare Liaison Student Elite vs Patriot Exchange

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Maximum coverage:
Deductible
Maximum coverage:
Deductible
Plans
» Seven Corners » Internation Medical Group
Brochure and Details link
Underwriter
Advent, Syndicate 780 at Lloyd’s of London Sirius International
Hospital room and board
Usual, Reasonable and Customary to the medical maximum. Up to average semi-private room rate.
Prescription Drugs
Inside the U.S - $0 copay (not subject to the deductible)
Outside the U.S - $0 copay (deductible applies)
Company pays 100% after deductible is met 90 day dispensing maximum
Physical Therapy
$75 per day to a max of 60 days Company pays 100% after deductible is met, one visit per day
Waiver of Pre-existing Conditions
After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement. For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.
Acute Onset of a Pre-existing Condition
Medical covered expenses up to $25,000(during the initial 364 days of coverage) Medical - Up to $5,000 of the eligible expenses; Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses (for US citizens)
Mental Illness including Alcohol & Substance Abuse
Inpatient: $20,000 (45 days max), Outpatient: $2,000 Not covered if incurred in student health center
Inpatient: $10,000 maximum limit
Outpatient: $50 maximum limit per day.$500 maximum limit
Dental - Sudden Relief of Pain
$350(for minimum purchases of 30 days) $350
Dental - Accident
$2,500 $500
Emergency Medical Evacuation & Repatriation
$750,000 (separate from the medical maximum) $50,000 lifetime maximum
Emergency Medical Reunion
Up to $200 per day/$50,000 maximum $15,000 lifetime maximum
Return of Mortal Remains
$50,000 $25,000
Local Burial or Cremation
$5,000 $5,000
Political Evacuation & Repatriation
$10,000 $10,000
Terrorism
$100,000 $50,000
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
$25,000 principal sum, Not subject to deductible
Personal liability
$100,000 Injury to third party: $2,000 per period of coverage limit after $100 deductible; Damgae to third party's property: $500 per period of coverage limit after $100 deductible
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