Compare Patriot Exchange and Study USA plans with various maximum coverage limits & deductibles. We have provided a friendly insurance compare facility where you can compare these policies, download plan brochures, obtain online quotes and also purchase plans.
| Brochure and Details link | |
| Coronavirus coverage | |
| Covers coronavirus medical expenses arising from Covid illness. | Covers coronavirus sickness medical expenses (Plus, Preferred and Platinum plans ONLY) |
| Hospital room and board | |
| Up to the average semi-private room rate. | Not Covered |
| Prescription Drugs | |
| Company pays 100% after deductible is met 90 day dispensing maximum |
Basic plan: 50% of actual charges Standard plan: $30 deductible for generic drugs, $100 deductible for brand name Preferred plan: $15 deductible for generic drugs, $50 deductible for brand name Platinum plan: $15 deductible for generic drugs, $30 deductible for brand name. |
| Coinsurance - Claims Incurred Inside the U.S | |
| Plan pays 100% | Basic plan: IN NETWORK: 80% after deductible, up to overall maximum limit; OUT OF NETWORK: Plan pays 100% Standard , Preferred and Platinum plans: IN NETWORK: 80% after deductible, then overall maximum limit; OUT OF NETWORK: Plan pays 100% |
| Coinsurance - Claims Incurred outside the U.S | |
| Plan pays 100% | Plan pays 100% |
| Local Ambulance Benefit | |
| Company pay 100%.Transfer must be in patient hospital admission | Basic plan: $300 per injury or illness Standard, Preferred and Platinum plans: $350 per injury or illness. |
| Dental Treatment - Due to Accident | |
| $500 per accident | Basic and Standard plans: Not Available. Preferred and platinum plan: Up to $1,000 maximum per certificate period. |
| Dental Treatment - Sudden Pain | |
| $350 maximum | Basic and Standard plans: Not Available. Preferred and platinum plan: Up to $100 to alleviate pain. |
| Maternity | |
| Not covered | Standard, Preferred and Platinum plan: IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum. |
| Terrorism | |
| $50,000 | Basic and Standard Plans:Not Available Preferred and Platinum Plans:Up to $50,000 lifetime maximum. |
| Intercollegiate, interscholastic, intramural or club sports | |
| Plan pays 100% after deductible is met for High School and college sports ONLY | Basic, Preferred and Standard plan: Not Available. Platinum plan: Optional Buy-Up: $10,000. |
| Emergency Medical Evacuation | |
| $50,000 lifetime maximum | Basic plan:$50,000 lifetime maximum Standard plan:$250,000 lifetime maximum Preferred and Platinum plans:$500,000 lifetime maximum. |
| Repatriation of Remains | |
| $25,000 for return of mortal remains or $5,000 maximum for cremation / burial | Basic, Preferred and Standard plan:$25,000 lifetime maximum Platinum Plan:Up to $50,000 lifetime maximum. |
| Pre-existing condition coverage | |
| Sudden & Unexpected Recurrence of a Pre-existing Condition (U.S. Citizens plan only) Eligible Medical Expenses: $5,000 lifetime maximum Emergency Medical Evacuation: $25,000 lifetime maximum |
Pre-Exisiting Condition Waiting Period - Basic plan: No benefit Standard plan: 12 months, $500 maximum per certificate period. Preferred plan: 12 months waiting period Preferred plan: 6 months waiting period |
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