Patriot Exchange Plan Details |
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Policy Maximum |
- Standard Plan - Choice of $50,000, $250,000 or $500,000 per ilness or injury with a lifetime maximum of $5,000,000.
- Basic Plan - $10,000 per ilness or injury with a lifetime maximum of $5,000,000.
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Deductible |
US$100 deductible per illness or injury.
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Co-insurance |
Plan will pay 100% of the covered amount.
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Eligibility |
- The member must be actively engaged or participating in an educational or cultural exchange program in the country of assignment through a sponsoring organization or school.
- The member and his/her travelling dependents must have legally departed the Home Country and must not be a citizen of the Host Country.
- J2 Dependents of J1 visa holders will be allowed to apply as a primary insured separately from J1 holder if the J1 is insured through their own program. (Formerly dependents could only apply for coverage as dependents when the J1 applied as the primary insured.)
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Coverage |
- Hospital Room and Board
- Hospital intensive care unit charges
- Physician visits, surgeon, Private duty nurse fee
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- Pre-admission tests
- Diagnostics: X-Rays
- Hospital emergency room
- Prescription Drugs
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Underwriter |
Underwritten by Sirius International Insurance Corporation, Sirius International is a White Mountains Insurance Group company.
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Comparative Advantages of Patriot Exchange Insurance
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- If the policy is purchased for a minimum of 3 months, policy can be renewed till 48 months.
- $500,000 coverage plan available with a lifetime maximum of $5000,000.
- There is no coinsurance.
- This plan covers for medical evacuation, repatriation, emergency reunion.
- Optional add on cover is available for high school sports, personal liability, baggage loss and legal assistance.
- Additional benefits under this policy include AD&D, terrorism coverage and incidental home country coverage.
- Discounted prices for pharmacy prescriptions at universal Rx pharmacy.
- Sudden recurrence of a Pre existing for US citizens is $5000 for eligible medical expenses and $25,000 for emergency evacuation.
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Some Limitations
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- The policy cannot be renewed if purchased for less than 3 months.
- Does not cover pregnancy.
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