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.
Loss of personal property: $250 maximum
Legal Assistance: $500 maximum
High School Sports: Usual, Reasonable and Customary charges
Patriot Group Exchange insurance does not provide covid coverage, however Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. IMG Patriot America Plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.
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.
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.
Patriot Group Exchange Policy can be cancelled by submitting a written request to email@example.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Yes Patriot Group Exchange insurance is available up to a maximum of 364 days. Visitors to USA can Renew Patriot Group Exchange insurance online to extend their coverage.
|COVID-19/SARS-CoV-2 Coverage||Patriot Exchange group 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.|
|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))|
|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|
|Reconstructive 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 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)|
|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 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|
|Natural disaster?||$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)|
|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.|
|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.