Policy maximum
$50k, $100k, $250k, $500k and $5M
Deductible
$0, $100, $250, $500
Comprehensive benefit plan
Benefits for covered medical expenses go all the way up to the plan maximum
Pre-existing condition
Covered after 6 months of waiting period
Renewability
Plan is renewable up to a maximum of 4 years.
PPO Network
Patriot Exchange student insurance, offered by International Medical Group (IMG), is a per-injury/illness plan designed for students in educational and cultural exchange programs abroad. This plan meets US J1 Visa requirements and is suitable for both individuals and groups.
This plan is designed for:
F1 visa students and their dependents are also eligible to purchase this plan.
Only plan available for J1 visa holders wanting coverage solely for their J2 spouse.
The Patriot Exchange insurance cost is ranges from $56 to $85 per month. This is dependent on the factors namely age of the student, the plan maximum and the deductible.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Students up to age of 64 years can choose maximum limits of $50,000, $100,000, $250,000, $500,000, $5,000,000.
For example here is the cost of patriot exchange for students studying in USA with a deductible of $250.
The Patriot Exchange student insurance plan is available for spouse and dependent children even if the primary F1 or J1 visa holder is not on this insurance plan. If a J1 Visa holder wants to buy this plan for his J2 spouse or children, then Patriot Exchange insurance plan can be purchased for the J2 visa holders. The same is true for F2 visa holders as they can buy Patriot Exchange student insurance even if the F1 visa holder is not on the Patriot exchange student insurance plan.
The Patriot exchange student program insurance cost is ranges from $56 to $85 per month. This is dependent on the factors namely age of the student, the plan maximum and the deductible.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Students up to age of 64 years can choose maximum limits of $50,000, $100,000, $250,000, $500,000, $5,000,000.
For example here is the cost of patriot exchange cost per month for students studying outside USA with a deductible of $250.
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.
The Patriot Exchange student insurance plan is available for spouse and dependent children even if the primary F1 or J1 visa holder is not on this insurance plan. If a J1 Visa holder wants to buy this plan for his J2 spouse or children, then Patriot Exchange insurance plan can be purchased for the J2 visa holders. The same is true for F2 visa holders as they can buy Patriot Exchange student insurance even if the F1 visa holder is not on the Patriot exchange student insurance plan.
To be eligible for Patriot Exchange student travel Insurance, you must:
Patriot Exchange student Insurance offers a range of benefits, such as:
The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:
Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:
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.
My University's own healthcare plan has stipulated if I take out my own healthcare plan they need to be based in the USA and the underwriters need to be American too. If the Insurance plans are not underwritten within the United States they do not meet waiver requirements. Plans that are not underwritten in the United States are not required to meet mandated benefit and underwriting regulations as set forth by the Affordable Care Act (ACA).
The Patriot Exchange program is administered by the International Medical Group, which is based in Indianapolis.
The plan is underwritten and issued by SiriusPoint Specialty Insurance Corporation. SiriusPoint is a global underwriter of insurance and reinsurance providing solutions to clients and brokers around the world. Bermuda-headquartered with offices in New York, London, Stockholm and other locations, they are listed on the New York Stock Exchange (SPNT)
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