International Medical Group

Patriot Group Exchange Insurance

BEST SUITABLE FOR: Groups of students studying aboard or to the active participants of the cultural exchange program
ELIGIBILITY:
  • Available to groups of 2 or more students or participants.
  • This plan is open to all students who are pursuing academic activities outside of their home country and their dependent.
  • The plan is also open to F2 and J2 Visa holders when the F1 or J1 visa holder has been given coverage by the University or Institute.
COVERAGE: May be renewed up to 48 months
Patriot Group Exchange offers pre-existing conditions coverage
UNDERWRITERS: Sirius International Insurance Corporation, a White Mountains Insurance Group Company
ADMINISTRATOR:International Medical Group

Related Links

Plans Highlights

POLICY MAXIMUM
Maximum medical coverage is $50,000, $100,000, $250,000 or $500,000
per illness or injury with a lifetime maximum of $5,000,000
DEDUCTIBLE
Individual deductible options are
$0, $100, $250, $500, $1,000 or $2,500 per each injury or sickness

Pre-Existing Conditions Coverage

Optional Pre-Existing Condition Rider?: For conditions existing within 36 months before effective date,charges excluded until after 12 months of coverage and then $500 maximum per period of coverage and $50,000 lifetime maximum
Sudden and unexpected recurrence of a Pre-existing Conditions:
  • Eligible Medical Expenses: $5000 lifetime maximum
  • Emergency medical evacuation: $25,000 maximum

Benefits Details

Benefits Coverage
Hospital room and board Up to average semi-private room rate
Intensive care unit Company pays 100% after deductible is met
Physical therapy Company pays 100% after deductible is met; one visit per day(Medical order or treatment plan required)
Bedside Visit $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Physician visit Company pays 100% after deductible is met; one visit per day
Student health center $5 co-pay per visit (Not subject to deductible)
Prescription drugs Company pays 100% after deductible is met
90 day dispensing maximum
Urgent care $50 copay. Not subject to deductible.
Copay is not applicable if you choose a $0 deductible
walk-in clinic $20 copay. Not subject to deductible.
Copay is not applicable if you choose a $0 deductible
Eligible medical expenses Company pays 100% after deductible is met
Emergency room visit with in-patient admission Company pays 100% after deductible is met
Emergency room visit without in-patient admission Additional $250 deductible
Interfacility ambulance transfer(for services rendered in the U.S.) Company pays 100%. Transfer must be a result of an inpatient hospital admission not subject to deductible
Dental Injury due to covered accident - $500 maximum
Sudden & unexpected pain to natural teeth - $350 maximum
Mental or nervous/Substance abuse Not covered if incurred in student health center
Inpatient: $10,000 maximum limit
Outpatient: $50 maximum limit per day.$500 maximum limit
Emergency medical evacuation $50,000 lifetime maximum
Emergency reunion $15,000 lifetime maximum
Return of mortal remains or cremation/burial $25,000 maximum for return of mortal remains or
$5,000 for cremation/burial
Political evacuation $10,000 lifetime maximum
Accidental death & dismemberment $25,000 principal sum, Not subject to deductible
Terrorism $50,000 maximum limit, Not subject to deductible
Incidental trip coverage Up to a cumulative 14 days

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