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. The plan meets the US visa requirements for J1 and J2 visa holders, as well as other visa types.
The plan covers 100% of eligible expenses after the deductible within the provider network in the US, and 80% up to $5K and then 100% outside the network in the US. Outside the US, the plan covers 100% of eligible expenses after the deductible. 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.
Comprehensive plan
COVID-19 covered
Pre-existing conditions
PPO network
24/7 access to tele-health provider
Adventure sports
Patriot Exchange - Provider network and how to find hospital or doctor?
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 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.
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IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars. Patriot Exchange insurance is ideal for organizations that focus on international educational or cultural exchange programs. This Insurance offers coverage for pre-existing conditions. This plan is very popular among the IMG J1 visa insurance and F1 Visa holders. Patriot Exchange Plan satisfies J Visa (exchange student visa) insurance requirements
Review and compare the best Patriot Exchange visitor medical insurance quotes.
Compare Patriot Exchange insurance quotes »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.
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.
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.
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.
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.
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.
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.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
Patriot Exchange Insurance offers Covid19 international student health insurance coverage for medical expenses arising from Covid illness.
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.
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| COVID-19/SARS-CoV-2 Coverage | Patriot Exchange insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. |
| Coinsurance | In-Network: Plan pays 90%, insured pays 10% Out-Network: Plan pays 80%, insured pays 20% International: Plan pays 100%, insured pays 0% |
| Out of Pocket Maximum | In-Network: $1K Out-Network: Up to the Maximum Limit International: $0 |
| Eligible medical expenses | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Hospital room and board | 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 maximum |
| Surgery | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Intensive care unit | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Bedside visit | $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 maximum |
| Student Health Center | $5 co-pay per visit. Not subject to deductible. |
| Mental/Nervous | 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 | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Teladoc Consultation | Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only) |
| Urgent Care Clinic | $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 maximum |
| Walk-In Clinic | $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 maximum |
| Physical Therapy | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Prescription Drugs and Medications | 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 | Company pays 100% |
| Hospital emergency room | 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 maximum |
| Interfacility ambulance transfer | Company pays 100% |
| Emergency dental treatment | 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 maximum |
| Traumatic 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 | $50K maximum limit |
| Emergency reunion | $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 | $25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial |
| Political evacuation and repatriation | $10K lifetime maximum |
| Terrorism | $50K maximum limit. Not subject to deductible |
| Lost Personal Property | $250 per period of coverage limit |
| Pre-Existing Condition | 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 | $25K principal sum, Not subject to deductible |
| Incidental Emergency in the U.S. | 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 | $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 | $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 |
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