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Patriot Group Exchange Program - Exchange Visitors Medical Insurance
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
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.
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
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
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- 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).