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International Medical Group

Patriot Exchange Student Insurance

Quotes for Patriot Exchange insurance

Age & Citizenship
Destination
Start date
End date

Patriot Exchange Insurance - Key Highlights

  • Covers Covid19 illness.
  • It is a very affordable plan and meets J visa requirements and F Visa for international students.
  • The deductible can be $500 or less with no further costs for the insured (while most plans have coinsurance which still must be paid after the deductible).
  • If the educational institution has a health center, the student can pay only a $5 copay for each visit for additional benefit and savings.
  • The student can buy this plan with a sports rider to cover activities such as downhill skiing.

Plan highlights of Patriot Exchange Insurance

visitors Insurance
Insurance provider
International Medical Group
Patriot Exchange insurance rating
AM Best Rating: "A" (Excellent)
Patriot Exchange insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Plan Life
12 months
Patriot Exchange Insurance can be renewed online up to 48 months
Patriot Exchange insurance coinsurance
Company pays 100%

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Advantages


Disadvantages


PPO

Plan highlights of Patriot Exchange Insurance

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Policy maximum

$50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000.

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Deductible

$0, $100, $250 or $500 per illness or injury available

Optional-coverage
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

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.

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Plan benefits of Patriot Exchange Insurance

inpatient  In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot Exchange insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Eligible medical expenses? Up to the maximum limit
Hospital room and board? Average semi-private room rate, including nursing services
Surgery? Up to the maximum limit
Intensive care unit? Up to the overall maximum limit.
Bedside visit? $1,500 maximum limit. Not subject to deductible
Student Health Center? $5 co-pay per visit. Not subject to deductible.
Mental/Nervous? Not covered if incurred in student health center; Inpatient: $10,000 maximum limit; Outpatient: $50 maximum limit per day.$500 maximum limit
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits? Company pays 100% after deductible is met; one visit per day
Urgent Care Clinic? $50 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk-In Clinic? $20 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy? Company pays 100% after deductible is met, one visit per day
Prescription Drugs and Medications? Company pays 100% after deductible is met 90 day dispensing maximum Period of Coverage limit: $250,000 per person
Teladoc Consultation? Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
Emergency local ambulance? Up to the maximum limit. Subject to deductible and coinsurance
Hospital emergency room? Outside 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
Interfacility ambulance transfer? Company pays 100%
Emergency dental treatment? Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum
Emergency medical evacuation? $50,000 maximum limit
Emergency reunion? $100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial? $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
Political evacuation and repatriation? $10,000 lifetime maximum
Terrorism? $50,000 maximum limit. Not subject to deductible
Lost Personal Property? $250 per period of coverage limit
Sudden and Unexpected Recurrence of a Pre-Existing Condition? Medical - Up to $5,000 of the eligible expenses; Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses
Pre-Existing condition For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.
Accidental death & dismemberment? $25,000 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)
Legal Assistance? $500 per period of coverage limit
Limited High School and College Sports Company pays 100% after deductible is met
Personal liability? $2,000 per period of coverage limit after $100 deductible.
Damage to third party’s property: $500 per period of coverage limit after $100 deductible

IMG Patriot Exchange insurance - Acute onset of pre-existing condition coverage

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;
Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses

Patriot Exchange Insurance - Frequently asked questions

Does Patriot Exchange Insurance cover covid illness?

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.

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Patriot Exchange Insurance Restrictions

Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.

Patriot Exchange Insurance Claims

claims

CLAIMS EMAIL

Email: insurance@imglobal.com
Fax: 317-655-4505

CLAIMS PHONE

1.800.628.4664

MAIL TO

International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500

CLAIMS FORM

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Patriot Exchange insurance PPO network

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
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