A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $50,000 lifetime maximum.
Sudden recurrence of pre-existing conditions (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 Group Exchange insurance eligibility
Available to groups of 5 or more students or participants.
This plan is open to all students who are pursuing academic activities outside of their home country and their dependent.
The plan is also open to F2 and J2 Visa holders when the F1 or J1 visa holder has been given coverage by the University or Institute.
Key benefits of Patriot Exchange Group Insurance
Comprehensive plan
COVID-19 covered
Pre-existing conditions
PPO network
24/7 access to tele-health provider
Adventure sports
Patriot Group Exchange Insurance Reviews
Insurance provider International Medical Group
Insurance rating AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Patriot Exchange student insurance by IMG covers eligible medical expenses.
If the policy is purchased for a minimum of 1 month, policy can be renewed till 48 months.
$500,000 coverage plan available with a lifetime maximum of $5000,000.
This plan offers Coinsurance 90% up to $1,000, then 100% up to the policy maximum within the PPO network. Outside the PPO network, the plan pays 80% up to the policy maximum. Outside the U.S., the plan covers 100% up to the policy maximum.
This plan covers for medical evacuation, repatriation, emergency reunion.
Optional add on cover is available for high school sports, personal liability, baggage loss and legal assistance.
Additional benefits under this policy include AD&D, terrorism coverage and incidental home country coverage.
Discounted prices for pharmacy prescriptions at universal Rx pharmacy.
Covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
Disadvantages of Patriot Group Exchange
The policy cannot be renewed if purchased for less than 1 month.
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)
IMG Patriot Group Exchange insurance - Frequently asked questions
Can I buy Patriot Group Exchange insurance after my arrival in the US?
Yes Patriot Group Exchange insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot Group Exchange insurance within a 6 month time period after arriving in the US.
Does Patriot Group Exchange insurance cover pre-existing conditions?
International Medical Group (IMG) offers the Patriot Group Exchange insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.
How do I cancel Patriot Group Exchange insurance?
Patriot Group Exchange Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:
Full refund of premium.
Cancellation after effective date:
$50 cancellation fee will be charged by the insurance company.
Only full month premium will be considered for refund.
I wish to extend my stay in the US, is it possible to renew Patriot Group Exchange Insurance?
Patriot Exchange - Provider network and how to find hospital or doctor?
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
Patriot Exchange group insurance Offers coverage and 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
Physician visits
Company pays 100% after deductible is met; one visit per day
Hospital indemnity
$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Bedside visit
$1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Prescription drugs and medications
Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days))
Out-Patient Medical Benefits
Physical Therapy
Up to the maximum limit (Medical order or treatment plan required)
Urgent Care Clinic
$25 copay for urgent care center. 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
Radiology / X-ray
Up to the maximum limit
Laboratory
Up to the maximum limit
Outpatient Surgical / Hospital Facility
Up to the maximum limit
Chemotherapy / Radiation Therapy
Up to the maximum limit
Pre-Admission Testing
Up to the maximum limit
Assistant Surgeon
20% of the primary surgeon’s eligible fee
Anesthesia
Up to the maximum limit
Surgery
Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
Chiropractic Care
Up to the maximum limit
Pre-Certification
50% reduction of eligible medical expenses if pre-certification provisions are not met
Emergency Services
Emergency local ambulance
Up to the maximum limit
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 eye examination
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
Dental
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%
Evacuation
Emergency medical evacuation
Up to $1,000,000
Return of mortal remains or cremation/burial
Up 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
Return of minor children
$100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation
$100,000 maximum limit. Not subject to deductible
Emergency reunion
$100,000 maximum limit. Not subject to deductible
Natural disaster evacuation
$25,000 maximum limit. Not subject to deductible
Trip Protection
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
Prescription Drugs and Medications
$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism
Up to $50,000 maximum limit. Not subject to deductible
Small pet common air carrier accidental death
$500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)
Life
Accidental death & dismemberment
$50,000 principal sum. Death must occur within 90 days of the accident. 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
Pre-Existing Condition
Prescription Drugs and Medications
Up to $150 Per Period of Coverage
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.
Other Benefits
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
Extended care facility
Up to the maximum limit
Pet return
$1,000 maximum limit. Not subject to deductible
Durable medical equipment
Up to the maximum limit
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Patriot Group Exchange Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
