International Medical Group

Patriot Group Insurance

  • UNDERWRITERS : Sirius International Insurance Corporation, a White Mountains Insurance Group Company
  • ADMINISTRATOR : International Medical Group

Plans Highlights

POLICY MAXIMUM

Maximum medical coverage options are
$50,000; $100,000; $500,000; $1,000,000; $2,000,000

DEDUCTIBLE
Individual deductible options are

$0, $100, $250, $500, $1000 and $2500 per each injury or sickness

COINSURANCE
For treatment received outside the US and Canada: No coinsurance.

For treatment received within the US and Canada-
In the PPO Network:90% of eligible expenses up to $5,000, then 100% up to the policy maximum limit
Outside the PPO Network: 80% of eligible expenses up to $5,000, then 100% up to the policy maximum limit

Pre-Existing Conditions

Pre-Existing Condition Coverage ? :U.S. citizens only Up to US$15,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the U.S. In addition, up to US$25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.

Benefits Details

Benefits Coverage
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service.
Intensive care Up to the Maximum Limit.
Surgery Up to the Maximum Limit.
Physician visits Up to the Maximum Limit.
Emergency local ambulance Up to the Maximum Limit.
Emergency room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth.
Traumatic Dental Injury Up to the period of coverage maximum limit. Subject to deductible and coinsurance. (Treatment at a hospital due to an accident)
Emergency medical evacuation $1,000,000 maximum limit. Not subject to deductible.
Emergency reunion $50,000 maximum limit. Not subject to deductible.
Return of mortal remains or cremation/burial $50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death.
Not subject to deductible.
Hospital Emergency Room:International Deductible waived.
Hospital Emergency Room:United States Injury not subjected to emergerncy room deductible.
Illness:Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.
Return of minor children $50,000 maximum limit. Not subject to deductible.
Political evacuation $10,000 maximum limit. Not subject to deductible.
Natural disaster Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism Up to $50,000 maximum limit. Not subject to deductible.
Hospital indemnity Up to $100 per overnight up to a maximum of 10 overnights.
Common carrier accidental death $50,000 per insured person and $250,000 maximum limit per lifetime and per family.
Accidental death & dismemberment $25,000 principal sum.
Trip interruption Up to $5,000
Lost luggage Up to $50 per item; maximum of $250.
Identity Theft $500 maximum limit. Not subject to deductible.
Incidental Trips to Home Country 14 consecutive days maximum limit
Personal Liability Injury to third person: $100 per injury deductible Damage to third person's property: $100 per injury deductible.

Hospital Room and Board

Average semi-private room rate up to the maximum limit. Includes nursing service.

Intensive care

Up to the Maximum Limit.

Surgery

Up to the Maximum Limit.

Physician visits

Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)

Emergency local ambulance

Up to the Maximum Limit.

Emergency room

Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.

Emergency dental treatment

$300 maximum limit due to accident or unexpected pain to sound natural teeth.

Traumatic Dental Injury

Up to the period of coverage maximum limit. Subject to deductible and coinsurance. (Treatment at a hospital due to an accident)

Emergency medical evacuation

$1,000,000 maximum limit. Not subject to deductible.

Emergency reunion

$50,000 maximum limit. Not subject to deductible.

Return of mortal remains or cremation/burial

$50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death.
Not subject to deductible.

Hospital Emergency Room:International

Deductible waived.

Hospital Emergency Room:United States

njury not subjected to emergerncy room deductible.
Illness:Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.

Return of minor children

$50,000 maximum limit. Not subject to deductible.

Political evacuation

$10,000 maximum limit. Not subject to deductible.

Natural disaster

Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.

Terrorism

Up to $50,000 maximum limit. Not subject to deductible.

Hospital indemnity

Up to $100 per overnight up to a maximum of 10 overnights.

Common carrier accidental death

$50,000 per insured person and $250,000 maximum limit per lifetime and per family.

Accidental death & dismemberment

$25,000 principal sum.

Trip interruption

Up to $5,000

Lost luggage

Up to $50 per item; maximum of $250.

Identity Theft

$500 maximum limit. Not subject to deductible.

Incidental Trips to Home Country

14 consecutive days maximum limit

Personal Liability

Injury to third person: $100 per injury deductible Damage to third person's property: $100 per injury deductible.

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+1(877)340-7910

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