Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Maximum medical coverage options are:
$50,000, $100,000, $500,000, $1,000,000, $2,000,000
Individual deductible options are:
$0, $100, $250, $500, $1000 or $2500 per each injury or sickness
IMG pays 100% outside of the U.S
Schegen Visa Letter
Patriot International satisfies schengen visa requirements
The coverage of atleast €30,000 is mandated for the Schengen Visa and Patriot International satisfies this requirement by offering the following medical maximums: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
The coverage for repatriation is a must under the travel insurance for Schenge Visa and the plan covers repatriation of remains up to $50,000
Schengen Visa requires that the insurance plan must offer a coverage for Emergency Medical Evacuation and the insured under this -plan get coverage for emergency medical evacuation up to $500,000 lifetime maximum (independent of the maximum limit)
Schengen Visa requires that the insurance provider must have a representive office in the schengen countries and International Medical Group has a representative bureau in the schengen countries
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
Up to $25,000
Hospital Emergency roomOutside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Hospital room and boardAverage semi-private room rate, including nursing services
Pre-Certification50% reduction of eligible medical expenses if pre-certification provisions are not met
Intensive careUp to the Maximum Limit.
SurgeryUp to the Maximum Limit.
Physician visitsUp 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 ambulanceUp to the Maximum Limit.
Emergency dental treatment$300 maximum limit due to accident or unexpected pain to sound natural teeth.
Traumatic Dental Injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%.
Emergency medical evacuationUp to the maximum limit. Not subject to deductible
Emergency reunion$100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burialUp 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
Hospital Emergency Room:InternationalUp to the maximum limit
Hospital Emergency Room:United StatesInjury 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.
Urgent Care Clinic25 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
Return of minor children$100,000 maximum limit. Not subject to deductible
Political evacuation$10,000 maximum limit. Not subject to deductible.
Natural disaster$25,000 maximum limit. Not subject to deductible.
TerrorismUp to $50,000 maximum limit. Not subject to deductible.
Hospital indemnity$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common carrier accidental death$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental death & dismemberment$50,000 principal sum. Not subject to deductible.
LaboratoryUp to the maximum limit
Chemotherapy / Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
Reconstructive SurgeryUp to the maximum limit
Assistant Surgeon20% of the primary surgeon’s eligible fee
AnesthesiaUp to the maximum limit
Chiropractic CareUp to the maximum limit
Extended Care FacilityUp to the maximum limit
CInterfacility Ambulance TransferCompany pays 100%
Pet Return$1,000 maximum limit. Not subject to deductible
Bedside Visit$1,500 maximum limit. Not subject to deductible.
Trip interruption$10,000 maximum limit. Not subject to deductible
Lost luggage$50 per item, $500 maximum limit. Not subject to deductible
Identity Theft$500 maximum limit. Not subject to deductible.
Incidental Trips to Home Country14 consecutive days maximum limit
Personal Liability$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Adventure Sports Rider (available to insureds up to age 65)
For Age(0-49): $50,000 Lifetime Maximum
For Age(50-59): $30,000 Lifetime Maximum
For Age(60-64): $15,000 Lifetime Maximum
Enhanced AD&D Rider (available to the primary insured only)
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Chaperone Replacement Rider
Up to $3,000
Evacuation Plus Rider (available to insureds up to age 65)
This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.
Non Life-threatening Medical Evacuation - Up to a maximum of $25,000
Natural Disaster Evacuation - Up to a maximum of $5,000