Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
For easy and immediate access of the IMG documents and services, IMG has provided an ONLINE FULLFILLMENT KIT. This online kit allows the applicant to communicate electronically and download the ID card, IMG contact numbers, claims forms and insurance certificate providing the complete description of the coverage.
To receive the online kit, the applicant must check the appropriate box listed in Section 2 of the application form. The applicant must provide a correct email address to complete this process. If IMG has processed and approved the application, an email will be sent from IMG that contains all the hyperlinks to easily obtain the fullfillment information.
Patriot Group Exchange Insurance, Patriot exchange health insurance program
Administered by IMG Patriot Group Exchange plan is designed for groups of students studying abroad or participants of a group cultural exchange program. This plan may be purchased in monthly increments and can include coverage for the students or participants, their spouses and unmarried dependent children travelling with them. This Insurance offers Coverage for pre-existing conditions.Patriot Group Exchange satisfies
J Visa (exchange student visa) insurance requirements
Maximum medical benefits of at least $100,000 per accident or illness.
Repatriation of remains coverage of $25,000.
$50,000 coverage for expenses associated with the medical evacuation of the exchange visitor to his or her home country.
A deductible not to exceed $500 per accident or illness.
and is popular as student travel insurance for groups from China and Europe.
Ideal Plan for these groups:
Students taking part in international programs.
Participants in cultural exchange programs.
International graduate students and researchers.
Scholars and Researchers.
Dependents, Spouse or child.
Students or participants of five or more in number.
Available to groups of 5 or more students or participants.
This plan is open to all students who are pursuing academic activities outside of their home country and their dependent.
The plan is also open to F2 and J2 Visa holders when the F1 or J1 visa holder has been given coverage by the University or Institute.
Plan Options
Plan Life: May be renewed up to 48 months.
Policy Maximum?: Standard Plan Choice of $50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000.
Deductible?:
$100 per each injury or sickness.
Coinsurance?: No coinsurance.
Treatment Period?: 60 days per chronic illness.
Optional Add on Plan:
Loss of personal property: $250 maximum.
Legal Assistance: $500 maximum.
Personal Liability
Injury to third party: $2000 limit after $100 deductible.
Damage to third person property: $500 maximum after $100 deductible.
High School Sports: Usual, Reasonable and Customary charges
Pre-existing condition coverage
Pre-existing conditions?
For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $50,000 lifetime maximum.
Sudden recurrence of pre-existing conditions (US citizens)
Medical - Up to $5,000 of the eligible expenses.
Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses.
