Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Maximum medical coverage options are: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Individual deductible options are:
$0, $100, $250, $500, $1000 or $2500 per each injury or sickness
For treatment received outside the US: No coinsurance. For treatment received within the US:
In the PPO Network: The plan pays 100%.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
Schegen Visa Letter
Patriot International satisfies schengen visa requirements
The coverage of atleast €30,000 is mandated for the Schengen Visa and Patriot International satisfies this requirement by offering the following medical maximums:
$50,000, $100,000, $500,000, $1,000,000, $2,000,000
The coverage for repatriation is a must under the travel insurance for Schenge Visa and the plan covers repatriation of remains up to $50,000
Schengen Visa requires that the insurance plan must offer a coverage for Emergency Medical Evacuation and the insured under this -plan get coverage for emergency medical
evacuation up to $500,000 lifetime maximum (independent of the maximum limit)
Schengen Visa requires that the insurance provider must have a representive office in the schengen countries and International Medical Group has a representative bureau in
the schengen countries
Up to age 65 with primary health plan: Up to maximum limit.
Up to age 65 witout primary health plan: $20,000 certificate period.
Age 65 to age 70: $2,500 certificate period.
For NON U.S. citizens(Medical)
Up to 70 years: up to maximum limit or $500,000 whichever is less
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
Up to $25,000 for up to age 65 years
Emergency Medical Evacuation
Up to $1,000,000 maximum limit
Hospital Room and Board
Up to the Maximum Limit for average semi-private room rate
Dental Treatment(Accident or Sudden Relief of Pain)
$300 maximum limit
Return of Mortal Remains
Up to $50,000; or $5,000 for Cremation/Burial
Common Carrier Accidental Death
$50,000 to Beneficiary, max of $250,000 per family
Incidental Emergency Coverage in the U.S
Up to 14 consecutive days
Up to $5,000 maximum limit
Adventure Sports Rider (available to insureds up to age 65)
For Age(0-49): $50,000 Lifetime Maximum
For Age(50-59): $30,000 Lifetime Maximum
For Age(60-64): $15,000 Lifetime Maximum
Enhanced AD&D Rider (available to the primary insured only)
Available for the primary insured person only
This coverage is in addition to the Accidental Death and Dismemberment already included in the plans
This rider is available with a minimum purchase of three months of medical and AD&D rider coverage
Chaperone Replacement Rider
Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000
Evacuation Plus Rider (available to insureds up to age 65)
Non Life-threatening Medical Evacuation - Up to a maximum of $25,000
Natural Disaster Evacuation - Up to a maximum of $5,000