| Coinsurance |
In Network: The plan pays 75% of the cost for eligible expenses
Out Network: The plan pays 60% in addition to the deductible. |
In Network: Plan pays 100%
Out of Network: Plan pays 80% of eligible expenses up to $5K, then 100% |
| Length of Coverage |
90 days up to 12 months. |
Minimum : 5 days
Maximum : 364 days |
| Renewability |
Yes |
5 days to 364 days |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate, including nursing services |
Average semi-private room rate, including nursing services. |
| Intensive care unit |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
|
Up to the overall maximum limit. |
| Urgent Care Clinic |
In Network: $25 copay, 100% up to Policy Maximum
Out Network: $50 copay, 100% up to Policy Maximum
|
$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Emergency Services |
| Emergency local ambulance |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
|
Up to the maximum limit. |
| Hospital emergency room |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
|
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
|
| Dental |
| Emergency dental treatment |
Up to $300(Unexpected pain or treatment due to an accident) |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
In Network: Maximum limit through age 69: $25K
Out Network: Maximum limit ages 70 and older: $20K
|
Up to the maximum limit.(Insured person must be under 70 years of age) |
| Life |
| Accidental death & dismemberment |
$25K principal sum, Not subject to deductible |
$50K principal sum. Not subject to deductible |
| Evacuation |
| Emergency medical evacuation |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
|
Up to the maximum limit. Not subject to deductible |
| Emergency reunion |
$100K maximum limit. Not subject to deductible |
$100k maximum limit. Not subject to deductible |
| Return of mortal remains or cremation/burial |
$25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial |
Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Local Burial or Cremation |
Up to $5K lifetime maximum |
Up to $5k lifetime maximum |
| Return of minor children |
$100K maximum limit. Not subject to deductible |
$100k maximum limit. Not subject to deductible |
| Natural disaster evacuation |
Not Available |
$25k maximum limit. Not subject to deductible (Must be approved in advance by the company) |
| Unique Advantages |
- It is a comprehensive benefit insurance plan.
- The plan is available for individuals traveling outside their country.
- Limited pre-existing condition coverage.
|
- It is a comprehensive plan.
- US expats looking to visit the US can buy Patriot travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
- Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
|
| Travel Insurance |
| Underwriter |
SiriusPoint Specialty Insurance Corporation |
Sirius International Insurance Corporation |
| Rating |
AM Rating : A- |
“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s |
| Brochure and Details |
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