IMG Patriot Exchange Student Insurance

Patriot exchange is offered by International medical group (IMG). Patriot Exchange Insurance provides student medical coverage for students and exchange scholars in foreign countries taking part in cultural exchange programs. Medical insurance for individuals involved in educational or cultural exchange.

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   Eligibility
  • The applicant must be engaged in an educational or cultural exchange program.
  • Spouse and dependents applying for this plan must hold the J2 visa
  • Must not be a citizen of the country they are pursuing their studies in.
  • Spouse or child (f2 visa holders) of a f1 visa holder are eligible to buy this plan even if the f1 visa student is not covered under this plan.
   Renewal/Extension
  • Plan can be renewed if it has been purchased for a minimum of 1 month without any break in coverage
  • Can be renewed for a total of 48 months
  • Can be renewed online or by paperwork

What's covered?


Plan Maximum
$5,000,000

Plan Highlights
  • Patriot Exchange Plan satisfies J1 Visa (exchange student visa) insurance requirements
  • Underwriter: Sirius International Insurance Corporation
  • Administrator: International Medical Group

Deductible
$100 per each injury or sickness
PPO
Provider Network clarifications
PPO stands for Preferred Provider Organization and is a network of health care providers. Insurance companies form these in order to control the costs of health care.

Plan benefits

Hospital Room & board Up to average semi - private room rate
Hospital Intensive Care URC*
Prescription Drugs URC*
Emergency Medical Evacuation $50,000 Lifetime Maximum
Emergency reunion $15,000
Return of mortal remains $25,000
Cremation $5,000 maximum
Accidental Death & Dismemberment $25,000($25,000 - two limbs; $12,500 - one limb)
Terrorism Coverage Up to $50,000 Lifetime Maximum
Incidental Home Country Coverage Up to a cumulative 14 days
Lost Personal Property $250 maximum
Legal Assistance $500 maximum
High School Sports Coverage URC*
Personal Liability Injury to third party: $2,000 maximum after $100 deductible
Damage to third party's property: $500 maximum after $100 deductible
Injury due to accident $500 per accident
Sudden and unexpected pain $350 maximum
Adventure Sports Rider covers insureds up to age 64
31days-49 years - $50,000
50-59 years - $30,000
60-64 years - $15,000
*Usual, Reasonable and Customary (URC) charges.
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