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Patriot Exchange

Patriot Exchange Student Insurance

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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 J1 and F1 Visa holders. Patriot Exchange Plan satisfies J Visa (exchange student visa) insurance requirements and is popular with students from China and India. J2 and F2 holders can also buy this plan without J1 and F1 being on the plan.

Brochure
Benefits
Advantages
COMPARATIVE ADVANTAGES
Only plan that offers coverage for people with F2 or J2 visa when the primary holder (F1 or J1) has current insurance coverage

"Adventure Sports Rider" is available for purchase.

Plan is renewable up to 48 months if plan is purchased for a minimum of 1 month.

If the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). Even several visits will be cheaper than paying a deductible.

$500,000 coverage plan available with a lifetime maximum of $5,000,000.

There is no coinsurance.

This plan covers for medical evacuation, repatriation, emergency reunion.

Optional add on cover is available for high school sports, personal liability, baggage loss and legal assistance.

Additional benefits under this policy include AD&D, terrorism coverage and incidental home country coverage.

Discounted prices for pharmacy prescriptions at universal Rx pharmacy.

Sudden recurrence of a Pre existing for US citizens is $5000 for eligible medical expenses and $25,000 for emergency evacuation. Look back period is 3 years from start date of plan.
Disadvantages
DISADVANTAGES
The policy cannot be renewed if purchased for less than 1 month.

Does not cover pregnancy.
Example
Comprehensive
COMPREHENSIVE PLAN
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)
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Quotes for Patriot Exchange Insurance

Insurance Provider
International Medical Group

Plan Life
12 months (can be renewed up to 48 months)

Policy Maximum^?
Choice of $50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000.

Deductible Options^?
$0, $100, $250 or $500 per illness or injury available

IMG's Patriot Exchange vs Student Health Advantage

An article comparing the benefits of International Medical Group's popular student insurance plans namely Patriot Exchange and Student Health Advantage plan.
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A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.
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Patriot Exchange vs Student Health Advantage Insurance

International Medical group Patriot Exchange plan summary

Underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Rating

AM Best Rating: "A" (Excellent)

Eligibility

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.

Optional ADD-ON Riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure Sports rider
Adventure Sports rider
Available for those up to the age of 65 years.

Activities Covered upto lifetime maximum: Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Age 0-49 years: $50,000 lifetime maximum

Age 50-59 years: $30,000 lifetime maximum

Age 60-64 years: $15,000 lifetime maximum
Loss Personal Property: $250 per period of coverage limit
Legal Assistance: $500 per period of coverage limit
Personal Liability - Injury to third party: $2,000 per period of coverage limit after $100 deductible
Personal Liability - Damgae to third party's property: $500 per period of coverage limit after $100 deductible
Limited high scholl and college sports: Company pays 100% after deductible is met

Coinsurance^?

Company pays 100%

Pre-existing conditions

For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.

Sudden recurrence of pre-existing conditions (for US citizens)

Medical - Up to $5,000 of the eligible expenses;
Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses

Plan Benefits of Patriot Exchange Insurance

Benefits	Coverage
Hospital room and board	Up to average semi-private room rate
Intensive care unit	Company pays 100% after deductible is met
Physical therapy	Company pays 100% after deductible is met; one visit per day(Medical order or treatment plan required)
Bedside Visit	$1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Physician visit	Company pays 100% after deductible is met; one visit per day
Student health center	$5 co-pay per visit (Not subject to deductible)
Prescription drugs	Company pays 100% after deductible is met 90 day dispensing maximum
Urgent care	$50 copay. Not subject to deductible. Copay is not applicable if you choose a $0 deductible
walk-in clinic	$20 copay. Not subject to deductible. Copay is not applicable if you choose a $0 deductible
Eligible medical expenses	Company pays 100% after deductible is met
Emergency room visit with in-patient admission	Company pays 100% after deductible is met
Emergency room visit without in-patient admission	Additional $250 deductible
Interfacility ambulance transfer(for services rendered in the U.S.)	Company pays 100%. Transfer must be a result of an inpatient hospital admission not subject to deductible
Dental	Injury due to covered accident - $500 maximum Sudden & unexpected pain to natural teeth - $350 maximum
Mental or nervous/Substance abuse	Not covered if incurred in student health center Inpatient: $10,000 maximum limit Outpatient: $50 maximum limit per day.$500 maximum limit
Emergency medical evacuation	$50,000 lifetime maximum
Emergency reunion	$15,000 lifetime maximum
Return of mortal remains or cremation/burial	$25,000 maximum for return of mortal remains or $5,000 for cremation/burial
Political evacuation	$10,000 lifetime maximum
Accidental death & dismemberment	$25,000 principal sum, Not subject to deductible
Terrorism	$50,000 maximum limit, Not subject to deductible
Incidental trip coverage	Up to a cumulative 14 days

Resourceful links for Patriot Exchange insurance

Patriot Exchange Insurance Forum
Customer queries and answers about Patriot Exchange Insurance plan.
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Patriot Exchange Insurance Blog
Read the article on insurance cover offered by Patriot Exchange insurance plan
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Patriot Exchange vs Student Health Advantage
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