There is a Patriot Exchange and Liaison Student Elite plans with various maximum coverage limits & deductibles. We have provided a friendly insurance compare facility where you can compare these policies, download plan brochures, obtain online quotes and also purchase plans.
| Brochure and Details link | |
| Coronavirus coverage | |
| Not Covered | IMG Covid19 Student health insurance by Patriot Exchange Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country. |
| Medical Maximum Options (per person per disablement) | |
|
Ages 14 days to 64 $50,000; $100,000; $250,000; $500,000; $1,000,000 Ages 60 to 64 years: $50,000; $100,000; $250,000 |
$5,000,000 |
| Hospital room and board | |
| Usual, Reasonable and Customary to the medical maximum. | Average semi-private room rate, including nursing services. |
| Prescription Drugs | |
| Up to medical maximum | Company pays 100% after deductible is met 90 day dispensing maximum |
| Vaccinations (in the U.S. only as required by school, university or visa program) | |
| $200 per 364 days of continuous coverage | Not Available |
| Physical Therapy | |
| $75 per day to a max of 60 days | Company pays 100% after deductible is met; one visit per day(Medical order or treatment plan required) |
| Spinal Manipulation | |
| $75 per day to a max of 60 days (if prescribed by a physician for pain relief) | Not Covered |
| Local Ambulance Benefit | |
| Inside the U.S - $750 per disablement (injury/illness) Outside the U.S - Up to medical maximum |
Inside the U.S - $350 per disablement (injury/illness) Outside the U.S - Up to medical maximum |
| Coma Benefit | |
| $50,000 (separate from the medical maximum) | $10,000 (separate from the medical maximum) |
| Extension of Benefits to Home Country | |
| $10,000 | $1,000 |
| Incidental Trips to Home Country(for minimum purchases of 30 days) | |
| $10,000 | $1,000 |
| Waiver of Pre-existing Conditions | |
| After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement. | After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement. |
| Acute Onset of a Pre-existing Condition(during the initial 364 days of coverage) | |
| Medical covered expenses up to $25,000 | Medical covered expenses up to $5,000 |
| Mental Illness including Alcohol & Substance Abuse | |
| Inpatient: $20,000 (45 days max), Outpatient: $2,000 | Inpatient: $5,000 (45 days max), Outpatient: 80% of URC to $500 |
| Motor Vehicle Accident | |
| Inside the U.S - 100% up to $100,000 Outside the U.S - Up to medical maximum |
Inside the U.S - 50% up to $100,000 Outside the U.S - Up to medical maximum |
| Non-contact Amateur Sports | |
| $10,000 | $2,500 |
| Maternity Care (For a pregnancy to be covered, conception must occur 180 days after coverage begins). | |
|
Not Available |
| Routine Newborn Care | |
| $750 per newborn child | $250 per newborn child |
| Dental - Sudden Relief of Pain (for minimum purchases of 30 days) | |
| $350 | $150 |
| Dental - Accident | |
| $2,500 | $500 |
| Emergency Medical Evacuation & Repatriation | |
| $750,000 (separate from the medical maximum) | $100,000 (separate from the medical maximum) |
| Emergency Medical Reunion | |
| Up to $200 per day/$50,000 maximum | Up to $200 per day/$15,000 maximum |
| Return of Child(ren) | |
| $50,000 | $25,000 |
| Return of Mortal Remains | |
| $50,000 | $50,000 |
| Local Burial or Cremation | |
| $5,000 | $5,000 |
| Natural Disaster Evacuation | |
| $10,000 | $5,000 |
| Natural Disaster Daily Benefit | |
| $75 per day, 5-day limit | $25 per day, 5-day limit |
| Political Evacuation & Repatriation | |
| $10,000 | $10,000 |
| Felonious Assault | |
| $20,000 (separate from the medical maximum) | $10,000 (separate from the medical maximum) |
| Terrorism | |
| $100,000 | $25,000 |
| Accidental Death and Dismemberment (AD&D) | |
|
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| Personal liability | |
| $100,000 | $25,000 |
| Hazardous Activities | |
| Up to medical maximum | Up to medical maximum |
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