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Patriot Exchange student insurance is an international student health insurance plan offered by IMG (International Medical Group) for the medical insurance needs of international students (F1 visa holders in the US), scholars, and cultural exchange participants (J visa holders in the US) studying or engaging in educational programs abroad. The plan offers comprehensive medical benefits, including hospitalization, doctor visits, emergency medical evacuation, prescription drugs, and more, ensuring that students have access to necessary medical care while away from home. The plan meets the US visa requirements for J1 and J2 visa holders, as well as other visa types.
The plan pays 90% of first $1,000 then 100% up to the policy maximum after the deductible within the provider network in the US, and the plan pays 80% up to the policy maximum in outside the network in the US. Outside the US, the plan covers 100% up to the policy maximum after the deductible. This plan offers coverage for minimum of 1 month up to 12 months and it can be renewable up to 48 months. It offers $5 co-pay per visit to Student Health Center. Offers 24/7 access to tele-health providers for non-emergency care within the US. covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
After a waiting period of 12 months, charges for conditions existing within 36 months before the effective date, can be covered up to $500 per period of coverage and $1,500 maximum limit. The plan offers up to a $5,000 maximum limit for a sudden and unexpected recurrence of a pre-existing.
IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars. Patriot Exchange insurance is ideal for organizations that focus on international educational or cultural exchange programs. This Insurance offers coverage for pre-existing conditions. This plan is very popular among the IMG J1 visa insurance and F1 Visa holders. Patriot Exchange Plan satisfies J Visa (exchange student visa) insurance requirements
Coinsurance In addition to Deductible |
In-Network: Plan pays 90%, insured pays 10% Out-Network: Plan pays 80%, insured pays 20% International: Plan pays 100%, insured pays 0% |
Out of Pocket Maximum | In-Network: $1K Out-Network: Up to the Maximum Limit International: $0 |
Pre-existing conditions
For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1.5K lifetime maximum.Yes, IMG Covid travel insurance by Patriot Exchange Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19.
Patriot Exchange is available for 12 months and it can be renewed for 48 months.
Patriot Exchange is one of the best health insurance for f1 student's dependents which an F2 visa holder. The F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan.
The "Patriot Exchange" student insurance offered by International Medical Group (IMG) is student travel health insurance designed for international students, scholars, and participants of educational and cultural exchange programs. Patriot exchange insurance provides coverage for medical expenses and other travel-related benefits during the insured person's stay abroad. It is important to check the Patriot Exchange policy documents and coverage details on American Visitor insurance.
Patriot Exchange insurance coverage includes the following:
Do note that insurance policies and coverage can change over time, so it's essential to review the policy documentation on American Visitor insurance and review the brochure for the most up-to-date information on Patriot Exchange plan coverage.
The Patriot Exchange insurance plan offered by IMG is designed for individuals involved in educational or cultural exchange programs, including:
To be eligible for Patriot Exchange student travel Insurance, you must:
Patriot Exchange student Insurance offers a range of benefits, such as:
The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:
Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:
Patriot Exchange student medical insurance covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1.5K lifetime maximum. Charges resulting directly or indirectly from or relating to any Pre-existing Condition that existed within 36 months prior to the Effective Date are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance.
Even if the primary F1 or J1 visa holder isn't covered by this insurance plan, the Patriot Exchange student insurance plan is still available to the spouse and any dependent children. The Patriot Exchange insurance plan can be acquired for J2 visa holders if a J1 visa holder wants to purchase it for his J2 spouse or children. As long as the F1 visa holder is not covered by Patriot Exchange's student insurance plan, F2 visa holders are also eligible to purchase it.
Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500
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