IMG COVID travel insurance
$50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000.
$0, $100, $250 or $500 per illness or injury available
The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
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 |
Out-Patient Medical Benefits
| 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 Services
| 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% |
Dental
| Emergency dental treatment? | Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum |
Evacuation
| 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 |
Trip Protection
| Terrorism? | $50,000 maximum limit. Not subject to deductible |
| Lost Personal Property? | $250 per period of coverage limit |
Pre-Existing Condition
| 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. |
Life
| Accidental death & dismemberment? | $25,000 principal sum, Not subject to deductible |
Other Benefits
| 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 |
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.
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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