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.

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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 (U.S. citizens only)

Co-insurance
  • Treatment outside US: No co-insurance.
  • Treatment inside US:
    In PPO Network - The plan pays 100%.
    Out of the PPO Network - 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 per insured person
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 the maximum limit. Not subject to deductible
Emergency reunion $100,000 maximum limit. Not subject to deductible
Return of mortal remains or Cremation / Burial $50,000 maximum limit for return of mortal remains or $5,000 maximum limit for cremation or local burial at the place of death.
Emergency room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Hospital Emergency Room:International Up to the maximum limit
Hospital Emergency Room:Up to the maximum limit Injury not subjected to emergerncy room deductible.
Illness:Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.
Urgent Care Clinic 25 copay. 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
Accidental Death and Dismemberment $50,000 principal sum. 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
Incidental Home Country Coverage Up to 14 consecutive days
Anesthesia Up to the maximum limit
Chiropractic Care Up to the maximum limit
Extended Care Facility Up to the maximum limit
Interfacility Ambulance Transfer Company pays 100%
Pet Return $1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit $500 maximum limit. Not subject to deductible.
Bedside Visit $1,500 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.
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.
Natural disaster $25,000 maximum limit. Not subject to deductible.
Terrorism Up to $50,000 maximum limit. Not subject to deductible.
Return of minor children $100,000 maximum limit. Not subject to deductible
Political evacuation $100,000 maximum limit. Not subject to deductible
Local Ambulance Up to the Maximum Limit
Hospital Intensive Care Up to the Maximum Limit
Prescription Drugs Up to the Maximum Limit
Hospital room and board 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
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Intensive care Up to the maximum limit
Surgery Up to the maximum limit
Physician visits Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)
Pre-Admission Testing Up to the maximum limit
Reconstructive Surgery Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
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%.
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
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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