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|
|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|
|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.
|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.
|$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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