Patriot Exchange student insurance
Patriot Exchange student insurance is an international student health insurance plan offered by IMG (International Medical Group) for the medical insurance needs of international students (F1 visa holders in the US), scholars, and cultural exchange participants (J visa holders in the US) studying or engaging in educational programs abroad. The plan offers comprehensive medical benefits, including hospitalization, doctor visits, emergency medical evacuation, prescription drugs, and more, ensuring that students have access to necessary medical care while away from home. Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements, as well as other visa types.
The plan pays 10% of the first $10,000 with an out of pocket maximum of $1,000 within the provider network in the US, and the plan pays 20% with no cap (besides the maximum of the plan; so it’s a straight 80/20 plan) in outside the network in the US. Outside the US, there is no coinsurance. This plan offers coverage for minimum of 1 month up to 12 months and it can be renewable up to 48 months. It offers $5 co-pay per visit to Student Health Center. Offers 24/7 access to tele-health providers for non-emergency care within the US. covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
After a waiting period of 12 months, charges for conditions existing within 36 months before the effective date, can be covered up to $500 per period of coverage and $1,500 maximum limit. The plan offers up to a $5,000 maximum limit for a sudden and unexpected recurrence of a pre-existing. Complete your Patriot Exchange insurance application form to ensure you have the coverage you need while studying abroad.
Key Benefits of Patriot Exchange student health insurance
Pre-existing conditions
school
Student Health Center
ambulance
Emergency medical evacuation
local_hospital
Urgent Care
United Health Care PPO
sports_soccer
Sports Coverage
Patriot Exchange student insurance Reviews
Patriot Exchange insurance for students – Links
Patriot Exchange program for international students - Key Highlights
- Short-term coverage available for Individual or groups of five or more members from one month up to four years for educational and cultural exchange programs.
- It is a very affordable plan and meets J visa requirements and F Visa for international students.
- Medical insurance for students studying abroad or participants of cultural exchange programs.
- The deductible can be $500 or less with no further costs for the insured (while most plans have coinsurance which still must be paid after the deductible).
- If the educational institution has a health center, the student can pay only a $5 copay for each visit for additional benefit and savings.
- The student can buy this plan with a sports rider to cover activities such as downhill skiing.
Patriot Exchange international student insurance plan summary
What is the eligibility to buy Patriot Exchange Insurance?
- Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2
- Be at least 31 days old but not yet 65 year old.
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
- Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.
Conditions of Coverage for Patriot Exchange Insurance
- Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
- Coverage under this plan is secondary to any other coverage
- Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
- Charges must be administered or ordered by a physician
- Charges must be incurred during the period of coverage or benefit period
- Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.
Patriot Exchange insurance optional riders
- Adventure Sports Rider
- Chaperone/Faculty Leader Replacement Rider
- Cellular Phone Rider
- Add on Rider with and without collision
Patriot Exchange - - UnitedHealth Care Travel insurance PPO network
IMG maintains when inside the U.S., the UnitedHealthcare Options network which is a longstanding reputable tier one network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
If you purchase Patriot Exchange insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
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Compare Patriot Exchange insurance quotes »Patriot exchange program medical insurance Benefits
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Eligible medical expenses help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumHospital room and board help Average semi-private room rate, including nursing services
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumSurgery help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumIntensive care unit help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumBedside visit help $1,500 maximum limit. Not subject to deductible
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumStudent Health Center help $5 co-pay per visit. Not subject to deductible. Mental/Nervous help Not covered if incurred in student health center; Inpatient: $10K maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum -
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met Physician visits help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumTeladoc Consultation help Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only) Urgent Care Clinic help $50 copay. Copay is not applicable when the $0 deductible is selected.
Not subject to deductible
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumWalk-In Clinic help $20 copay. Copay is not applicable when the $0 deductible is selected.
Not subject to deductible
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumPhysical Therapy help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumPrescription Drugs and Medications help Period of Coverage limit: $250K per person
Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits.Dispensing maximum for Retail Pharmacy: 90 days per prescription
In-Network: Not Covered
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum -
Emergency local ambulance help Company pays 100% Hospital emergency room help Injury: Not subject to Emergency Room Deductible
Illness: Subject to a $500 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumInterfacility ambulance transfer help Company pays 100% Emergency dental treatment help Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum
In-Network: Not Covered
Out-Network: 90% up to policy maximum
International: 100% up to policy maximumTraumatic Dental Injury In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum-
Emergency medical evacuation help $50K maximum limit Emergency reunion help $15K maximum limit. Not subject to deductibley Repatriation for Medical Treatment $100K maximum limit. Not subject to deductibley Return of mortal remains or cremation/burial help $25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial Political evacuation and repatriation help $10K lifetime maximum -
Pre-Existing Condition help After 12 months of continous 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. -
Accidental death & dismemberment help $25K principal sum, Not subject to deductible Incidental Emergency in the U.S. help Up to a cumulative 14 days (available for non-U.S. residents only)
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum -
Legal Assistance help $500 per period of coverage limit Limited High School and College Sports Company pays 100% after deductible is met Lost Personal Property $250 per period of cover age limit Personal liability help $Personal Liability: $2K per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible
Patriot Exchange Insurance Optional Riders for Students
The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
01. Patriot Exchange Insurance Adventure Sports Rider
- Available for those up to the age of 65 years.
- Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
- Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 Maximum Limit per Injury or Illness |
| 50-59 years | $30,000 Maximum Limit per Injury or Illness |
| 60-64 years | $15,000 Maximum Limit per Injury or Illness |
02. Chaperone/Faculty Leader Replacement Rider
Available for groups only
All Insured Persons who have elected the Chaperone / Faculty Leader Replacement Rider will be entitled to the benefits listed below.Chaperone / Faculty Leader Replacement (for groups only): $3K lifetime maximum
03. Mobile Device Protection
Available for individuals only
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.
04. Add on Rider with and without collision sports
Available an individual and groups
For students looking at more protection IMG Patriot Exchange insurance now offer our Add-on Rider, covering personal liability,lost personal property, legal assistance up to $500 per period of coverage, and limited High School and College sports, which is available with and without Collision Sports coverage.
Patriot Exchange insurance ideal for J1 visa holders
Patriot Exchange insurance offered by International Medical Group (IMG) is an excellent health insurance plan supporting J1 & J2 visa. It is ideal because Patriot Exchange can be purchased by the J2 dependent even if the J1 scholar is not part of the Patriot exchange plan, as long as he or she is covered by another plan offered by the research or educational institution.
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Patriot Exchange student medical insurance - FAQ's
01. What is IMG Patriot Exchange Insurance?
Patriot Exchange is designed for individuals and groups of students studying abroad or participants of cultural exchange programs. Most plan options are designed to meet the U.S. J1, J2 and F1 visa travel insurance requirements.
02. Patriot Exchange Insurance will cover Adventure Sports?
Yes. The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, wildlife safaris, and windsurfing.
All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity.
03. What are the coverage limits of Patriot Exchange Insurance?
Patriot Exchange Insurance is a medical insurance plan for students and cultural exchange participants. It has different coverage limits depending on the plan option you choose. The policy maximum choices are $50K, $100K, $250K, or $500K per injury/sickness. This plan offers Coinsurance 90% up to $10K, then 100% up to the policy maximum within the PPO network. Outside the PPO network, the plan pays 80% up to the policy maximum. Outside the U.S., the plan covers 100% up to the policy maximum.
04. Do this Patriot Exchange plan cover sports-related illness or injuries?
IMG Patriot Exchange plan include customization options and add-ons, including add-on coverage for high school sports ;interscholastic, intramural, or club sports, personal liability and legal assistance.
05. How Does the Affordable Care Act (ACA) Affect My Coverage?
Affordable Care Act affects the Non US students purchasing this plan. As non-resident aliens, international students, scholars and people involved in cultural exchange programs on F, J, Q, M Visas are not subject to the individual mandate for the first five years in the US. All other J categories are not subjected to the individual mandate for two years. Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase the Patriot Exchange program.
06. How long can I renew Patriot Exchange?
Eligible insured can request coverage under the plan be renewed monthly for up to 12 month periods, for a maximum of 48 continuous months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan.
07. Can F2 visa holder buy Patriot Exchange insurance?
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.
08. Does IMG sell Cancel for Any Reason Insurance?
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
09. Unique feature of Patriot Exchange Student insurance
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.
10. Who is eligible for Patriot Exchange student travel Insurance by IMG?
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
11. What are the benefits of Patriot Exchange student travel Insurance?
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
- Coinsurance of 100% within the provider network in the US, and 80% up to $5K and then 100% outside the network in the US
- Coverage for pre-existing conditions up to $25K for sudden and unexpected recurrence for non-US citizens under age 65, and up to $2,500 for US citizens under age 65
- Coverage for acute onset of pre-existing conditions up to the policy maximum for non-US citizens under age 70
- Emergency medical evacuation and repatriation of remains benefits
- Accidental death and dismemberment benefit
- Terrorism coverage
- Sports and leisure activities coverage
- Identity theft assistance
12. How much does Patriot Exchange Travel Insurance cost?
The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:
- The type of plan chosen (individual or group)
- The policy maximum chosen (the maximum amount the plan will pay per injury or illness)
- The deductible chosen (the amount you have to pay before the plan pays)
- The age and health status of the insured person
- The duration and location of your program
13. Are there any waiting periods or exclusions for pre-existing conditions?
Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:
- The plan does not cover any charges or expenses incurred during the first 12 months of coverage for a pre-existing condition that existed within 36 months before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
- The plan does not cover any charges or expenses incurred for maternity care if conception occurred before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
- The plan does not cover any charges or expenses incurred for treatment or surgery that is elective, experimental, investigational, or not medically necessary. This applies to all insured persons regardless of age or citizenship
14. How does Patriot Exchange student Insurance cover pre-existing conditions?
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.
15. How do I complete the Patriot Exchange Insurance application?
On American Visitors Insurance students can buy US student insurance using a paper application form either on monthly basics or yearly. On receiving the completed Patriot Exchange insurance application form and the payment, the Student Secure insurance policy will be emailed to the customer.
Patriot Exchange Claims Information
Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims »
US based Underwriter for F1 visa student insurance
Looking to buy your Patriot Exchange program.
I am a UK citizen and will be doing my Masters in Ohio, USA and have my F1 visa.
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).
Can you please let me know as soon as you can.
Thanks,
Lisa
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)
Patriot Exchange Insurance
Thanks,
Customer support,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910
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