IMG Patriot Exchange Student Insurance

Patriot exchange is offered by International medical group (IMG). Patriot Exchange Insurance provides student medical coverage for students and exchange scholars in foreign countries taking part in cultural exchange programs. Medical insurance for individuals involved in educational or cultural exchange.

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   Eligibility
  • Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2
  • Be at least 31 days old but not yet 65 year old.
  • Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
  • Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.
   Renewal/Extension
  • Plan can be renewed if it has been purchased for a minimum of 1 month without any break in coverage
  • Can be renewed for a total of 48 months
  • Can be renewed online or by paperwork

What's covered?


Plan Maximum
Choice of $50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000.

Plan Highlights

Deductible
$0, $100, $250 or $500 per illness or injury available
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

Hospital Room & board Up to average semi - private room rate
Hospital Intensive Care Company pays 100% after deductible is met
Prescription Drugs Company pays 100% after deductible is met
90 day dispensing maximum
Emergency Medical Evacuation $50,000 lifetime maximum
Emergency reunion $15,000 lifetime maximum
Return of mortal remains $25,000 maximum for return of mortal remains
Political evacuation $10,000 lifetime maximum
Cremation $5,000 for cremation/burial
Accidental Death & Dismemberment $25,000 principal sum, Not subject to deductible
Terrorism Coverage $50,000 maximum limit, Not subject to deductible
Incidental trip coverage Up to a cumulative 14 days
Lost Personal Property $250 per period of coverage limit
Legal Assistance $500 per period of coverage limit
Personal Liability - Injury to third party $2,000 per period of coverage limit after $100 deductible
Personal Liability - Damgae to third party's property $500 per period of coverage limit after $100 deductible
Limited high scholl and college sports Company pays 100% after deductible is met
Injury due to accident $500 maximum
Sudden and unexpected pain $350 maximum
Adventure Sports Rider covers insureds up to age 65
0-49 years - $50,000
50-59 years - $30,000
60-64 years - $15,000
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