Patriot Exchange student insurance, IMG Patriot Exchange student medical insurance for J1 and J2 visas and F1 visa international students

Patriot Exchange student insurance

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 10% of the first $10,000 with an out of pocket maximum of $1,000 within the provider network in the US, and the plan pays 20% with no cap (besides the maximum of the plan; so it’s a straight 80/20 plan) in outside the network in the US. Outside the US, there is no coinsurance.

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.

Patriot Exchange international student insurance plan summary

Patriot Exchange insurance optional riders

The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure Sports rider

Chaperone/Faculty Leader Replacement Rider

Conditions of Coverage for Patriot Exchange Insurance

Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy.
Coverage under this plan is secondary to any other coverage.
Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only.
Charges must be administered or ordered by a physician.

Charges must be incurred during the period of coverage or benefit period.

Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

Eligibility to buy Patriot Exchange Insurance

Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2
Be at least 31 days old but not yet 65 year old.
Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.

Plan benefits of Patriot Exchange Insurance

In-Patient Medical Benefits

COVID-19 Coverage	Patriot Exchange insurance Offers coverage for COVID-19 as any other Illness or Injury.
Coinsurance	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
Eligible medical expenses	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Hospital room and board	Average semi-private room rate, including nursing services In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Surgery	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Intensive care unit	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Bedside visit	$1.5K maximum limit. Not subject to deductible In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Student Health Center	$5 co-pay per visit. Not subject to deductible.
Mental/Nervous	Not covered if incurred in student health center; Inpatient: $10K maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Out-Patient Medical Benefits

Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Teladoc Consultation	Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
Urgent Care Clinic	$50 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Walk-In Clinic	$20 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Physical Therapy	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Prescription Drugs and Medications	Period of Coverage limit: $250K per person Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits.Dispensing maximum for Retail Pharmacy: 90 days per prescription In-Network: Not Covered Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Emergency Services

Emergency local ambulance	Company pays 100%
Hospital emergency room	Injury: Not subject to Emergency Room Deductible Illness: Subject to a $500 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission. In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Interfacility ambulance transfer	Company pays 100%

Dental

Emergency dental treatment	Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum In-Network: Not Covered Out-Network: 90% up to policy maximum International: 100% up to policy maximum
Traumatic Dental Injury	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Evacuation

Emergency medical evacuation	$50K maximum limit
Emergency reunion	$100K maximum limit. Not subject to deductibley
Repatriation for Medical Treatment	$100K maximum limit. Not subject to deductibley
Return of mortal remains or cremation/burial	$25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial
Political evacuation and repatriation	$10K lifetime maximum

Trip Protection

Terrorism	$50K maximum limit. Not subject to deductible
Lost Personal Property	$250 per period of coverage limit

Pre-Existing Condition

Pre-Existing Condition	After 12 months of continous 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.

Life

Accidental death & dismemberment	$25K principal sum, Not subject to deductible
Incidental Emergency in the U.S.	Up to a cumulative 14 days (available for non-U.S. residents only) In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Optional Add on Rider

Legal Assistance	$500 per period of coverage limit
Limited High School and College Sports	Company pays 100% after deductible is met
Lost Personal Property	$250 per period of cover age limit
Personal liability	$Personal Liability: $2K per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible
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

Patriot Exchange Insurance - Frequently asked questions

How long can I renew Patriot Exchange?

Patriot Exchange is available for 12 months and it can be renewed for 48 months.

Can F2 visa holder buy Patriot Exchange insurance?

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.

What does Patriot Exchange insurance cover?

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:

Medical Expenses: This includes coverage for doctor visits, hospitalization, prescription drugs, and emergency medical treatment due to illness or injury.
Medical Evacuation: In the event of a serious medical condition that requires transportation to a better-equipped medical facility, this coverage helps with the cost of medical evacuation to the nearest suitable facility.
Repatriation of Remains: If the insured person passes away while abroad, this benefit covers the cost of returning their remains to their home country.
Emergency Medical Reunion: This benefit may cover the expenses for a family member or friend to visit the insured person if they are hospitalized for a certain period.
Emergency Medical and Travel Assistance: Provides access to a 24/7 helpline for medical advice, travel assistance, and other related services.
Accidental Death and Dismemberment (AD&D): Offers a benefit in case of accidental death or loss of limbs or sight due to an accident during the insured period.
Personal Liability: Coverage for legal expenses and compensation in case the insured person is held liable for causing injury or damage to a third party.
Trip Interruption: Some plans may offer coverage for the reimbursement of non-refundable trip costs in case of the insured person's unexpected early return to their home country.
Personal Belongings: Coverage for loss or theft of personal belongings and baggage during the trip.

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.

Eligibility - Who can buy Patriot Exchange insurance?

The Patriot Exchange insurance plan offered by IMG is designed for individuals involved in educational or cultural exchange programs, including:

International Students: Students who are studying abroad or participating in an exchange program in a foreign country. In the US, these typically include the F1 visa.
Scholars and Researchers: Individuals engaged in academic research or teaching activities abroad. This is often in the US under the J1 visa.
Cultural Exchange Participants: Individuals taking part in cultural exchange programs, such as internships, work-study programs, or language courses.
Visiting Faculty and Professors: Academic personnel visiting foreign universities or institutions for short-term teaching or research assignments.
Dependents: Spouses and dependent children of the primary insured may also be eligible for coverage under some plans. In the US, this includes the F2 and J2 visa holders.

Who is eligible for Patriot Exchange student travel Insurance by IMG?

To be eligible for Patriot Exchange student travel Insurance, you must:

Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant.
Reside outside your home country for the purpose of pursuing international educational activities for a temporary period of time.
Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal.

What are the benefits of Patriot Exchange student travel Insurance?

Patriot Exchange student Insurance offers a range of benefits, such as:

Medical benefits of up to $5M per policy period
Deductible options from $0 to $500 per injury or illness.
Coinsurance of 100% within the provider network in the US, and 80% up to $5K and then 100% outside the network in the US.
Coverage for pre-existing conditions up to $25K for sudden and unexpected recurrence for non-US citizens under age 65, and up to $2.5K for US citizens under age 65.
Coverage for acute onset of pre-existing conditions up to the policy maximum for non-US citizens under age 70.
Emergency medical evacuation and repatriation of remains benefits.
Accidental death and dismemberment benefit.
Terrorism coverage.
Sports and leisure activities coverage.

How much does Patriot Exchange Travel Insurance cost?

The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:

The type of plan chosen (individual or group).
The policy maximum chosen (the maximum amount the plan will pay per injury or illness).
The deductible chosen (the amount you have to pay before the plan pays).
The age and health status of the insured person.
The duration and location of your program.

Are there any waiting periods or exclusions for pre-existing conditions?

Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:

The plan does not cover any charges or expenses incurred during the first 12 months of coverage for a pre-existing condition that existed within 36 months before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
The plan does not cover any charges or expenses incurred for maternity care if conception occurred before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
The plan does not cover any charges or expenses incurred for treatment or surgery that is elective, experimental, investigational, or not medically necessary. This applies to all insured persons regardless of age or citizenship.

How does Patriot Exchange student Insurance cover pre-existing conditions?

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.

What is the unique feature of Patriot Exchange Student 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.

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