International Medical Group

Patriot Platinum Insurance

  • Best Suitable for: US citizens traveling outside the U.S.
  • Eligibility:
    • U.S. citizens traveling outside the US and NON-US citizen traveling outside their home country
    • For visitors over 65, initial period of coverage must be within 30 days of arrival in the United States
  • Coverage: 5 days to 3 years
  • Patriot Platinum offers pre-existing conditions coverage
What's good ?
What's not so good ?

Plans Highlights

POLICY MAXIMUM

Maximum medical coverage options are
$2,000,000, $5,000,000, $8,000,000

DEDUCTIBLE
Individual deductible options are

$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
per each injury or sickness

COINSURANCE
For treatment received outside the US and Canada: IMG pays 100%
For treatment received within the US and Canada:
In the PPO Network: IMG pays 100%
Outside the PPO Network: IMG pays 90% up to $5,000, then 100%

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.
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Remote Transportation $5,000 per period, $20,000 lifetime maximum
Emergency room accident Up to the maximum limit.
Hospital Emergency Room(Inside the U.S.) Injury: Not subject to Emergency Room Deductible
Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
Hospital Emergency Room(Outside the U.S.) Up to the maximum limit.
Acute Onset of Pre-Existing Conditions Under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation
Emergency dental treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance.
Hospital indemnity Up to $250 per overnight up to a maximum of 10 overnights.
Supplemental Accident $300 per covered accident.
Emergency medical evacuation Up to maximum limit.
Emergency reunion $100,000
For a maximum of 15 days.
Return of mortal remains or cremation/burial Up to the 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.
Return of minor children $100,000.
Political evacuation $100,000.
Natural disaster $25,000 maximum limit. Not subject to deductible.
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Trip Interruption $10,000 maximum limit. Not subject to deductible
Bedside Visit $1,500 maximum limit. Not subject to deductible.
Remote transportation $5,000per certificate period
$20,000 lifetime maximum
Identity theft assistance Up to $500
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Lost / Theft of luggage, valuables, personal papers Company pays 100%
Interfacility Ambulance Transfer Company pays 100%
Terrorism $50,000 maximum limit
Sports & leisure activities Up to the maximum limit for basic sports
Incidental home country coverage Up to cumulative of 2 weeks
End of trip home country coverage One month for every four months of travel coverage, up to a maximum of three months
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family.
Accidental death & dismemberment $50,000 principal sum.
Small pet common carrier accidental death $500 maximum limit.

Hospital room and board

Up to the maximum limit

Intensive care

Up to the maximum limit

Medical expenses

Up to the maximum limit

Out-patient medical expenses

Up to the maximum limit

Emergency local ambulance

Up to the maximum limit

Emergency room accident

Up to the maximum limit.

Hospital Emergency Room(Inside the U.S.)

Injury: Not subject to Emergency Room Deductible
Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.

Hospital Emergency Room(Outside the U.S.)

Up to the maximum limit

Emergency dental treatment

$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance

Hospital indemnity

Up to $250 per overnight up to a maximum of 10 overnights.

Supplemental Accident

$300 per covered accident.

Emergency medical evacuation

Up to maximum limit.

Emergency reunion

$100,000
For a maximum of 15 days

Return of mortal remains or cremation/burial

Up to the 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.

Return of minor children

$100,000.

Political evacuation

$100,000.

Natural disaster

Up to $250 per day and five days for accommodations

Remote transportation

$5,000per certificate period
$20,000 lifetime maximum

Identity theft assistance

Up to $500

Lost / Theft of luggage, valuables, personal papers

$50 per item, $500 maximum limit.

Terrorism

Up to maximum limit

Sports & leisure activities

Up to the maximum limit for basic sports

Incidental home country coverage

Up to cumulative of 2 weeks

End of trip home country coverage

One month for every four months of travel coverage, up to a maximum of three months

Common carrier accidental death

$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family.

Accidental death & dismemberment

$50,000 principal sum.

Small pet common carrier accidental death

$500 maximum limit.

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