Patriot Exchange student insurance is an international student health insurance program provided by IMG (International Medical Group) for the medical insurance requirements of international students, scholars, and cultural exchange participants (J visa holders in the US) who are studying or participating in educational programs abroad. International students are F1 visa holders in the US. The complete medical coverage provided by the plan, which include cover hospitalization, doctor visits, emergency medical transportation, prescription medications, and more, guarantee that students can get the essential medical attention while they are away from home. For holders of J1 and J2 visas as well as other visa types, the plan complies with US visa regulations.
The plan pays 100% of eligible costs inside the provider network in the US after the deductible and 80% up to $5,000 outside the network. 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.
$50K, $100K, $250K or $500K per illness or injury with a lifetime maximum of $5,000,000.
$0, $100, $250 or $500 per illness or injury available
In Network - The plan pays 100%
Out of Network - The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit.
The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Pre-existing conditions
For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.Sudden recurrence of pre-existing conditions (for US citizens)
Medical - Up to $5,000 of the eligible expenses;IMG Covid19 travel insurance by Patriot Exchange Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
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; $1,500 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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