Patriot Exchange Student Health Insurance

Patriot Exchange is available for 12 months and it can be renewed for 48 months.

Patriot Exchange is one of the best health insurance for F1 student's dependents which an F2 visa holder. The F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan.

Patriot Exchange student medical insurance covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum. Charges resulting directly or indirectly from or relating to any Pre-existing Condition that existed within 36 months prior to the Effective Date are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance.

To be eligible for Patriot Exchange student travel Insurance, you must:

• Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant
• Reside outside your home country for the purpose of pursuing international educational activities for a temporary period of time
• Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal

Patriot Exchange student Insurance offers a range of benefits, such as:

• Medical benefits of up to $5M per policy period
• Deductible options from $0 to $500 per injury or illness
• The coinsurance is 10% of the first $10,000 with an out of pocket maximum of $1000. Out of network, the coinsurance is 20% with no cap (besides the maximum of the plan; so it’s a straight 80/20 plan).
• Emergency medical evacuation and repatriation of remains benefits
• Accidental death and dismemberment benefit
• Sports coverage

Yes, Patriot Exchange student health insurance has specific waiting periods and exclusions for pre-existing conditions, including:

• The plan does not cover charges or expenses incurred during the first 12 months of coverage for any pre-existing condition that existed within 36 months prior to the effective date of coverage. This applies to all insured persons, regardless of age or citizenship.
• The plan does not cover maternity care if conception occurred before the effective date of coverage, regardless of age or citizenship.
• The plan does not cover expenses related to elective, experimental, investigational, or medically unnecessary treatments or surgeries, regardless of age or citizenship.

Charges related directly or indirectly to any pre-existing condition that existed within 36 months prior to the effective date of coverage are excluded until the insured person has completed 12 months of continuous coverage under the Patriot Exchange student insurance plan.

• Period of Coverage Limit(after 12 months): $500
• Maximum Lifetime Limit: $1,500