IMG

Patriot Group Exchange Insurance

Patriot Group Exchange Insurance Reviews

Patriot America Plus Group Insurance
Insurance Provider
International Medical Group
Plan Life
May be renewed up to 48 months.
Policy Maximum?
$5,000,000
Deductible Options?
$100 per each injury or sickness.
Patriot Group Exchange insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Group Exchange Links

  • Brochure
  • Chinese Brochure
  • Comprehensive
  • ID Card
  • Claims
  • Provider Network
  • Renewal
  • Online Fulfillment Kit

Patriot Group Exchange Insurance

  • 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 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.
group

International Medical group’s Patriot Group Exchange plan summary



Underwriter
Eligibility
  • 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.
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Plan benefits of Patriot Group Exchange insurance

Benefits Coverage
Hospital Room and Board Up to semi-private room rate.
Emergency Reunion $15,000 Lifetime Maximum.
Incidental Home Country Coverage Up to a cumulative 14 days.
Return of Mortal Remains or Cremation or Burial $25,000 for Return of mortal remains or $5,000 for Cremation or Burial.
Student Health Center $5 co-pay per visit.
Political Evacuation Up to $10,000 Lifetime Maximum.
Accidental Death & Dismemberment $25,000 principal sum ($25,000 - two limbs; $12,500 - one limb;).
Emergency Medical Evacuation $50,000 Lifetime Maximum.
Terrorism Coverage Up to $50,000 Lifetime Maximum.
Dental Injury due to accident: $500 per accident. Sudden and unexpected pain: $350 maximum.

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