Instant Policy

This program is available to non-United States citizens who come to the U.S. for business, pleasure, to study, or to immigrate. The program must become effective within 12 months of arrival in the United States.

An Eligible Person may enroll for monthly periods of coverage, subject to the following rules: one month’s premium is the minimum acceptable premium; twelve month’s premium is the maximum acceptable premium; and the full premium is payable at the time of enrollment. Any partial month of coverage will be charged as full month of premium. Initial enrollment must occur within 12 months of an Eligible Person’s arrival in the United States.

If coverage is initially purchased for a minimum of three months, coverage may be renewed, if available, for additional periods at the premium rate in force at the time of renewal. The maximum total period of coverage for any one Insured Person cannot exceed 12 months.

Your coverage will end on the earlier of the following:

1. The date shown on the Insurance Confirmation Card, for which premium has been paid; or
2. The date you return to your Home Country; or
3. 12 months after your original Effective Date; or
4. The day an insured becomes a U.S. citizen or is considered a U.S. resident by the state where they are residing; or
5. The date of entry into active military service.
   Upon each renewal, rates, benefits, and program in general are subject to change.

Liaison International provides coverage as outlined in this brochure for individuals and families (including unmarried dependent children over 14 days and under 19 years of age) while traveling outside of their home country. Home Country is defined as - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.

An Eligible Person may enroll for monthly periods of coverage, subject to the following rules: one month’s premium is the minimum acceptable premium; twelve month’s premium is the maximum acceptable premium; and the full premium is payable at the time of enrollment. Any partial month of coverage will be charged as full month of premium. Initial enrollment must occur within 24 months of an Eligible Person’s arrival in the United States.

Coverage may be renewed, if available, for additional periods at the premium rate in force at the time of renewal. The maximum total period of coverage for any one Insured Person cannot exceed 60 months.

The minimum Period of Coverage under this Plan is 7 days, the maximum is 12 months. Benefits can be purchased in daily periods by paying the appropriate Plan Cost.

If you are traveling outside of your home country and are least 14 days old, you are eligible for coverage. If you are under age 70, you may select your Overall Maximum Limit, ranging from $50,000 to $1,000,000. If you are age 70 - 79, the Overall Maximum Limit available is $50,000. If you are age 80 or older, the Overall Maximum Limit is $10,000. The minimum coverage period is 5 days and the maximum initial coverage period is 12 months.

This Plan provides short-term, limited duration coverage. It is not subject to the guaranteed renewability and portability provisions of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The Insured Person may not purchase insurance under this Plan for a Period of Insurance longer than 6 months. The Insured may request coverage for additional Periods of Insurance of up to 6 months. If the Insurer agrees to coverage for an additional Period of Insurance, it will issue a successor certificate to the Insured Person as evidence of coverage.

This Plan provides short-term, limited duration coverage. It is not subject to the guaranteed renewability and portability provisions of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The Insured Person may not purchase insurance under this Plan for a Period of Insurance longer than 6 months. The Insured may request coverage for additional Periods of Insurance of up to 6 months. If the Insurer agrees to coverage for an additional Period of Insurance, it will issue a successor certificate to the Insured Person as evidence of coverage.

This coverage is only available to persons traveling outside their Home Country.

The minimum initial period of coverage that can be purchased is 3 months, the maximum is 12 months. Additional coverage may be available for up to 12 months at a time, to a maximum of 36 consecutive months.

This Plan provides short-term, limited duration coverage. It is not subject to the guaranteed renewability and portability provisions of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The Insured Person may not purchase insurance under this Plan for a Period of Insurance longer than 6 months. The Insured may request coverage for additional Periods of Insurance of up to 6 months. If the Insurer agrees to coverage for an additional Period of Insurance, it will issue a successor certificate to the Insured Person as evidence of coverage.