International Medical Group

Patriot Exchange Insurance

  • Best Suitable for
    • Individuals and group of five or more students studying abroad or participating in cultural program
  • Eligibility
    • This plan is open to all students who are pursuing academic activities outside their home country and for their dependents.
    • The plan is also open to F2 and J2 Visa holders even if the F1 or J1 visa holders are not covered under this plan.
  • Coverage: May be renewed up to 48 months
  • Patriot Exchange offers pre-existing conditions coverage
Related links
  • Brochure
  • Claims
  • What's good?
  • Renewal
  • PPO
  • What's not so good?

Plan Highlights

POLICY MAXIMUM

$50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000

DEDUCTIBLE

The deductible amount $100 per each injury or sickness

COINSURANCE

No expenses incured by customer after deductible
 

Pre-Existing Conditions

Pre-existing Conditions?: For conditions existing within 36 months before effective date,charges excluded until after 12 months of coverage and then $500 maximum per period of coverage and $50,000 lifetime maximum
Sudden and unexpected recurrence of a Pre-existing Conditions:
  • Eligible Medical Expenses: $5000 lifetime maximum
  • Emergency medical evacuation: $25,000 maximum

Coverage

  • Hospital Room and Board: Up to semi-private room rate
  • Emergency Reunion: $15,000 life time maximum
  • Student Health Center: $5 co-pay per visit
  • Emergency Medical Evacuation: $50,000 Lifetime Maximum
  • Political Evacuation: $10,000 life time maximum
  • Terrorism: Up to $50,000 Lifetime Maximum
  • Incidental Trip Coverage: Up to a cumulative of 2 weeks
  • Return of Mortal Remains or Cremation/Burial: Up to $25,000 or $5,000
  • Accidental death: $25,000 principal sum
  • Dismemberment: $25,000 for two limbs, $12,500 for one limb;
  • Dental Injury due to covered accident:
    $500 maximum per accident
  • Sudden and unexpected dental pain to natural teeth:
    $350 maximum
  • teeth

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