Patriot Exchange Student Insurance Reviews

  • Covers individuals involved in educational or cultural exchange.
  • Provides lifetime maximum of $5 million.
  • Optional coverage for adventure sports up to $50,000.

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A working example of using Patriot Exchange foreign student health travel insurance (Offered by International Medical Group) *

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims : After the deductible, underwriters will pay 100% up to the policy limit
  • Your claims for medical expenses is $25,000
The Patriot Exchange Insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $25,000 $0
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

International Medical Group, IMG travel insurance Links

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