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)
It is an international travel medical insurance designed for any organization which has groups travelling together. The group should comprise of at least 5 or more members of the organization and traveling outside their country of residence. It covers pre-exisiting conditions for group of travelers while they are away from their home country.
Ideal Plan for these groups:
Students studying overseas.
Foreign Au pairs, babysitters or nannies.
Families sponsoring international exchange students.
Patriot International Group covers group of US citizens travelling outside USA with coverage for brief returns to the US
Patriot America Group covers group of Non US citizens travelling outside their home country
For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.