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Patriot Group Exchange Program - Exchange Visitors Medical Insurance

Quotes & Purchase: Individual Group

Please use this high-level information as a guide only and do not make decisions solely based on this comparison. If you have any concerns, doubts or questions, please call us for further details.It is not possible to represent all details of information in a concise manner. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All the amounts are in U.S. dollars.

Routine physicals and exams (wellness, vision, eyeglasses, dental etc.) are not covered in any of the group travel medical insurance plans.

General

Patriot Group Exchange Program
Comprehensive
Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum. Outside PPO network: After deductible, plan pays 80% up to the policy maximum. Outside US: After deductible, covers at 100% up to the policy maximum.

Medical - Outpatient

To policy maximum 1 visit per day
US-Urgent Care: Deductible waived, $50 copay; unless $0 deductible. US-Walk-in Clinic: Deductible waived, $20 copay; unless $0 deductible. Co-insurance still applies.
To policy maximum Extra $500 copay for illness that does not result in hospital admission.
To policy maximum, 90 day supply per prescription. Period of coverage limit: $250,000 per person.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Other Treatement And Services

-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair.
-
Optional: Adventure Sports, available for ages under 65.
To policy maximum Illness must result in hospital admission.
-
-
To policy maximum, 1 visit per day. Must be ordered in advance by physicain.
Yes
After 12 month waiting period, $500 per period of coverage, $1,500 maximum. US Citizens: Sudden & Unexpected Reoccurrence: Medical up to $5,000. Medical Evacuation up to $25,000.
Included

Dental

$350 for pain, $500 for non emergency injury
To policy maximum

Travel

-
-
-
Optional: Add-On plan, $250 maximum
-
$15,000, maximum of 15 days
$50,000. Medically Necessary Repatriation up to $100,000.
$25,000
$5,000
-
-

Life

$25,000
$25,000

Other

Included
Incidental: 14 days after 30 days of continuous coverage, non-US residents only.
-
-
-
$50,000
Included

Plan Features

Before effective date, full refund. After effective date, pro-rated refund for whole months minus $50 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 4 years
$0
$0
Bedside Visit: $1,500 Optional: Legal Assistance with Add-On plan, $500 maximum.
Email
Per Incident
$0 Up to 64
$100 Up to 64
$250 Up to 64
$500 Up to 64
Per Incident
$50,000 Up to 64
$100,000 Up to 64
$250,000 Up to 64
$500,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"

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Individual Group
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

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