Compare Patriot Exchange vs StudentSecure Smart Insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Patriot Exchange vs StudentSecure Smart travel insurance:

• Patriot Exchange Health Insurance - FAQ's
  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.

  ---

  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.

  ---

  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.

  ---

  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.

  ---

  How long can I renew Patriot Exchange?

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

  ---

  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.

  ---

  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.

  ---

  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

  ---

  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

  ---

  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.

  ---

  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

• StudentSecure Smart Health Insurance - FAQ's
  Why do i need international student health Insurance?

  There are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:

  1. To Meet Visa Requirements:
  Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
  As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.

  2. To Meet Your Study Abroad Program or School Requirements:
  Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
  Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to sales@worldtrips.com. We will send completed copies of the form(s) to you and your school.

  To Cover Unexpected Medical Expenses:
  Your regular health insurance may not provide adequate coverage while you are outside of your home country and very few plans pay for medical evacuation.

  ---

  Is it possible to renew StudentSecure Smart Insurance?

  Yes, International students can renew StudentSecure Smart Insurance online up to 12 months.

  ---

  Does StudentSecure Smart insurance offer coverage for Team sports.

  StudentSecure Smart insurance covers sports & activities - leisure, recreational, entertainment, or fitness up to the overall maximum limit

  ---

  Will I lose StudentSecure Smart coverage when I graduate or if I leave school?

  Yes, StudentSecure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.