Patriot Exchange Student Insurance

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:

• Medical Expenses: This includes coverage for doctor visits, hospitalization, prescription drugs, and emergency medical treatment due to illness or injury.
• Medical Evacuation: In the event of a serious medical condition that requires transportation to a better-equipped medical facility, this coverage helps with the cost of medical evacuation to the nearest suitable facility.
• Repatriation of Remains: If the insured person passes away while abroad, this benefit covers the cost of returning their remains to their home country.
• Emergency Medical Reunion: This benefit may cover the expenses for a family member or friend to visit the insured person if they are hospitalized for a certain period.
• Emergency Medical and Travel Assistance: Provides access to a 24/7 helpline for medical advice, travel assistance, and other related services.
• Accidental Death and Dismemberment (AD&D): Offers a benefit in case of accidental death or loss of limbs or sight due to an accident during the insured period.
• Personal Liability: Coverage for legal expenses and compensation in case the insured person is held liable for causing injury or damage to a third party.
• Trip Interruption: Some plans may offer coverage for the reimbursement of non-refundable trip costs in case of the insured person's unexpected early return to their home country.
• Personal Belongings: Coverage for loss or theft of personal belongings and baggage during the trip.

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:

• International Students: Students who are studying abroad or participating in an exchange program in a foreign country. In the US, these typically include the F1 visa.
• Scholars and Researchers: Individuals engaged in academic research or teaching activities abroad. This is often in the US under the J1 visa.
• Cultural Exchange Participants: Individuals taking part in cultural exchange programs, such as internships, work-study programs, or language courses.
• Visiting Faculty and Professors: Academic personnel visiting foreign universities or institutions for short-term teaching or research assignments.
• Dependents: Spouses and dependent children of the primary insured may also be eligible for coverage under some plans. In the US, this includes the F2 and J2 visa holders.

To be eligible for Patriot Exchange student travel Insurance, you must:

• Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant.
• Reside outside your home country for the purpose of pursuing international educational activities for a temporary period of time.
• Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal.

Patriot Exchange student Insurance offers a range of benefits, such as:

• Medical benefits of up to $5M per policy period
• Deductible options from $0 to $500 per injury or illness.
• Coinsurance of 100% within the provider network in the US, and 80% up to $5K and then 100% outside the network in the US.
• Coverage for pre-existing conditions up to $25K for sudden and unexpected recurrence for non-US citizens under age 65, and up to $2,500 for US citizens under age 65.
• Coverage for acute onset of pre-existing conditions up to the policy maximum for non-US citizens under age 70.
• Emergency medical evacuation and repatriation of remains benefits.
• Accidental death and dismemberment benefit.
• Terrorism coverage.
• Sports and leisure activities coverage.

The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:

• The type of plan chosen (individual or group).
• The policy maximum chosen (the maximum amount the plan will pay per injury or illness).
• The deductible chosen (the amount you have to pay before the plan pays).
• The age and health status of the insured person.
• The duration and location of your program.

Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:

• The plan does not cover any charges or expenses incurred during the first 12 months of coverage for a pre-existing condition that existed within 36 months before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
• The plan does not cover any charges or expenses incurred for maternity care if conception occurred before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
• The plan does not cover any charges or expenses incurred for treatment or surgery that is elective, experimental, investigational, or not medically necessary. This applies to all insured persons regardless of age or citizenship.

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.