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

Patriot Exchange Plan satisfies J1 Visa (exchange student visa) insurance requirements
J1 Visa requirements
U.S. Jvisa participants must select $100,000 maximum limit or higher to satisfy the Jvisa insurance requirements
Underwriter: Sirius International Insurance Corporation
Administrator: International Medical Group

Deductible

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

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.

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Plan benefits

Medical 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

International Emergency Care

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

Additional Benefits

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

Optional Add-on Riders

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

Dental Benefits

Injury due to accident	$500 maximum
Sudden and unexpected pain	$350 maximum

Optional Riders

Adventure Sports Rider	covers insureds up to age 65
	0-49 years - $50,000
	50-59 years - $30,000
	60-64 years - $15,000