IMG Patriot America Student Insurance

Patriot America Insurance is designed by International Medical Group to provide coverage for international students pursuing their studies outside their home country mainly in the United States or its territories. Patriot America Plus plan offers coverage for Pre-Existing Conditions. Benefit Period is 60 days.

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   Eligibility
  • Available for international students studying outside of their home country mainly in the US or its territories.
  • For applicants under the age of 65 years and visiting the United States, their initial Period of Coverage must begin within six months of arrival in the US. For applicants 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international travel insurance.

What's covered?


Plan Maximum

Maximum Limits options?
$50,000, $100,000, $500,000, $1,000,000, $2,000,000 (U.S. citizens only)

Co-insurance
  • Treatment outside US and Canada: No co-insurance.
  • Treatment inside US and Canada
    In PPO - The plan pays 0% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
    Out of the PPO-The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

Deductible

Deductible Options?
$0, $100, $250, $500, $1,000, $2,500
PPO
Provider Network clarifications
PPO stands for Preferred Provider Organization and is a network of health care providers. Insurance companies form these in order to control the costs of health care.

Plan benefits

Emergency Medical Evacuation Up to $500,000 lifetime maximum (independent of the Maximum Limit)
Return of mortal remains or Cremation/Burial Up to $50,000 or $5,000 for cremation/burial
Accidental Death and Dismemberment $25,000 principle sum
Terrorism Coverage Up to $50,000 lifetime maximum
Incidental Home Country Coverage Up to 14 days
Local Ambulance Up to the Maximum Limit
Hospital Intensive Care Up to the Maximum Limit
Prescription Drugs Up to the Maximum Limit
Injury due to accident Up to the Maximum Limit
Sudden and unexpected pain Up to $100
Adventure Sports Rider covers insureds up to age 65
0-49 years - $50,000
50-59 years - $30,000
60-64 years - $15,000
Enhanced AD&D Rider(available to the primary Insured on individual plans only Up to an additional $400,000
Citizenship Return Rider Up to the maximum limit (U.S. citizens have a 60-day maximum)
Evacuation Plus Rider(available to Insureds up to age 65 on individual plans only) Non-life-threatening medical evacuation: Up to a maximum of $25,000.
Natural disaster evacuation: Up to a maximum of $5,000
Chaperone/Faculty Leader Replacement Rider (available on group plans only) Up to $3,000 for round-trip economy airline ticket
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