Patriot Group Exchange Insurance, Review Plan for 5+ J1/J2 Visa Holders

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Patriot Group Exchange Program

Review Patriot Group Exchange Program, plan is suitable for group of 5 or more exchange visitors to USA participating full-time is academic, research or cultural programs in USA or outside home country. Quote, review and buy Patriot Group Exchange Insurance.

COVID-19 / SARS-CoV-2 / Coronavirus Patriot Exchange Program plan still includes coverage for testing/treatment of COVID19 even after The World Health Organization (WHO) issued a global pandemic warning, and the U.S. Centers for Disease Control and Prevention (CDC) issued a level 3 travel warning to avoid nonessential travel.

Review the Patriot Group Exchange Insurance or Patriot Group Exchange Program Insurance plan, suitable for groups of 5 or more foreign students studying in USA or international exchange visitors in any nation abroad, suits participants of cultural exchange programs also. Patriot Group Exchange coverage is designed to meet the U.S. J1 visa insurancerequirements, and plan offers maximums up to US$500,000 and is renewable up to 48 months, if minimum of one months is purchased.

Patriot Exchange Visitor Insurance is suited for groups of 5 or more students or scholars participating in academic or research programs, cultural exchange participants such as J1 visa holders who are Au Pairs, graduates and international students, scholars and educators, and their J2 visa dependents.

Patriot Group Exchange Program plan meets requirements of the US J1 visa or F1 visa holders, and includes several standard medical benefits such as sickness/injury coverage, doctor visits, emergency room, student health centers. SHA Standard is is extendable and renewable, and coverage duration is from 1 month up to 4 years total continuous coverage

Patriot Exchange Insurance is available for purchase in two options: the individual/family or group. The group policy is for 5 or more individuals offering a 10% group rate savings discount, offers a simple group application and purchase as a single group policy. If you want to buy the individual/family policy, please complete the Patriot Exchange Insurance.

Quote and Buy Patriot Group Exchange Insurance online
Review Patriot Group Exchange Program Brochure
Review Patriot Group Exchange Insurance Certificate

Patriot Group Exchange Program plan is administered by International Medical Group (IMG), and the policy coverage is underwritten and issued by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

Patriot Group Exchange Insurance Review

Group Exchange Visitor Insurance USA COVID-19

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VISOA Plan Rating:

Visitor Insurance Services Reviewed & Approved Plan

Notes: Excellent policy with Covid-19 coverage for visitors to the USA, has sudden relapse with acute-onset pre-existing condition benefits for ages below 70 years. Non-renewable.

Eligibility: Any foreign resident individuals and/or family, above age 14 days, and visiting the USA only. The plan is available for both foreign nationals and expat US citizens visiting the U.S.

Coverage Duration: Minimum of 15 days to maximum of 1 year (365 days)

Amounts:

Member maximum limits: $50K to $1 million
Choice of deductible: $0 to $2,500
AD&D benefit: $25K (included), additional to $1 million

Plan Brochure →

Policy Description →

PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.

Renew or Extend: Not renewable, purchase exact days of coverage necessary.

Other Highlights

Foreign nationals visiting the USA
Sickness/injury plans for visitors to America
Acute-onset of pre-conditions included
Quote & purchase online for single trip
Child alone without adult purchase allowed
Optional hazardous sports activity riders

Patriot Group Exchange Insurance Policy Information

Patriot Group Exchange Program Insurance is an exchange visitor health coverage specially designed for groups of exchange participants visiting America on a J1/J2 visa, or international cultural groups going abroad to any foreign destination country.

Overview

Patriot Group Exchange Program Overview

Review the Patriot Group Exchange Insurance policy summary and plan highlights of coverage:

Eligibility: Short-term group health plan for cultural exchange participant groups needing medical coverage in USA or abroad.
Coverage Suits: Groups of exchange visitors, students, cultural groups, and/or their spouses and unmarried dependent children traveling with them.
Group Policy: Groups may purchase customizable annually renewable long term plans.
Plan maximums limits up to $500,000 per injury or illness, Lifetime Maximum $5,000,000
No coinsurance and choice of Deductible options
Renew: Plans are renewable up to 48 months if minimum of one month is purchased
Universal Rx pharmacy discount savings
No PPO Network, Freedom to seek treatment with hospital or doctor of your choice
Student Health Center $5 co-pay per visit
Optional Add-On coverage available for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance
Emergency medical evacuation coverage available.
Instant Purchase: Immediate coverage available, print virtual ID cards instantly after purchase.
Other Features: Return of Mortal Remains/Incidental Home Country Coverage
Policy Access: 24 hour secure access from anywhere in the world to manage your account at any time
Coverage Benefits: Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits. Covered charges is provided for eligible expenses and/or benefits only, examples include instances of Hospital Room and Board, Intensive Care Unit (ICU), Local Ambulance, Prescription Drugs, Physician visits, Surgeon Fees, Hospital Emergency Room (ER), Pre-admission tests and/or Diagnostics: X-Rays, Labs, MRI, etc. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits. Only eligible expenses and/or benefits are included, not all treatment instances are covered, not all Rx drugs covered including ongoing prescriptions, please refer to the “Exclusions” section as in the “Description of Coverage” sample document for list of plan exclusions.
Exclusions: Please refer to the “Description of Coverage” sample document for entire list of excluded items and exact policy term definitions.
Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
Administrator: Plan is administered by International Medical Group (IMG).

Details

Patriot Group Exchange Program Details

Patriot Group Exchange Program review of policy benefits with plan highlights of coverage.

Policy Maximum	Patriot Group Exchange Plan provides a maximum medical coverage limit of up to $5,000,000
Deductible	Plan deductible choices of $0, $100, $250 or $500 per illness or injury available
Inpatient/Outpatient Benefits	Hospital Room and Board: Up to the average semi-private room rate Intensive Care Unit: Plan pays 100% after deductible is met Physical Therapy: Plan pays 100% after deductible is met; one visit per day. (Medical order or treatment plan is required) Bedside Visit: $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible Physician Visit: Company pays 100% after deductible is met; one visit per day Student Health Center: $5 copay per visit. Not subject to deductible Prescription Drugs: Company pays 100% after deductible is met 90 day dispensing maximum Urgent Care: $50 copay. Not subject to deductible. Copay is not applicable if you choose a $0 Deductible Walk-in Clinic: $20 copay. Not subject to deductible. Copay is not applicable if you choose a $0 Deductible	Eligible Medical Expenses: Company pays 100% after deductible is met Emergency Room: ER visit followed by in-patient admission, plan pays 100% after deductible is met. ER visit without in-patient admission has an additional $250 deductible Inter-facility Ambulance Transfer: For Services Rendered in the U.S., plan pays 100%. Transfer must be a result of an inpatient hospital admission Not subject to deductible Dental: Non-emergency treatment at a dental provider due to an accident: $500 period of coverage limit per injury; Treatment due to unexpected pain to sound, natural teeth: $350 period of coverage limit Mental or Nervous / Substance Abuse: Not covered if incurred in student health center. Inpatient: $10,000 maximum limit. Outpatient: $50 maximum limit per day, $500 maximum limit.
Evacuation Benefits	Emergency Medical Evacuation: $50,000 maximum limit, not subject to deductible. Emergency Reunion: $15,000 maximum limit, not subject to deductible. Return of Mortal Remains or Cremation/Burial: $25,000 maximum limit for return of mortal remains or $5,000 maximum limit for cremation/burial, not subject to deductible. Political Evacuation and Repatriation: $10,000 maximum limit, not subject to deductible.
Additional Benefits	Accidental Death & Dismemberment: $25,000 principal sum; Not subject to deductible Terrorism: $50,000 maximum limit; Not subject to deductible Pre-existing Condition: For Sudden & Unexpected Recurrence, eligible medical expenses of $5,000 maximum limit, and emergency medical evacuation up to $25,000 maximum limit. For conditions existing within 36 months before effective date, charges excluded until after 12 months of coverage and then $500 per period of coverage and $1,500 maximum limit. Incidental Trip Coverage: Up to a cumulative 14 days, available for non-U.S. residents only.
Optional Add-on Riders	Lost Personal Property: $250 per period of coverage limit Legal Assistance: $500 per period of coverage limit Personal Liability Injury to third party, $2,000 per period of coverage limit after $100 deductible. Damage to third party’s property, $500 per period of coverage limit after $100 deductible.
Plan Administrator	Patriot Group Exchange Insurance policy is administered in USA and worldwide by IMG Insurance.
Plan Underwriter	Patriot Group Exchange Insurance coverage is underwritten and issued by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

Disclaimer: Eligible Medical Expenses are limited to Usual, Reasonable and Customary (URC) Limits per Period of Coverage unless stated as Maximum Limit. Groups may also purchase a customizable long-term plan. Any coverages, benefits and premium rates offered are in U.S. Dollars. Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Plan Documents

Patriot Group Exchange Program - Plan Brochure

Review the plan brochure for coverage information including the summary of benefits table.

Plan Brochure: Review the Patriot Group Exchange Program Plan Brochure for plan information.

Patriot Group Exchange Program - Certificate of Insurance

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.

Certificate of Insurance: Review all the policy details available in the Patriot Group Exchange Program Insurance Certificate which is the detailed sample document of the master policy.

PPO Network

Patriot Group Exchange Insurance PPO Network

Patriot Group Exchange plan does NOT have a specified PPO network of doctors or hospitals, you are free see care with any provider. If you need help in locating a provider, IMG has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers.

Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network, however there is NO guaranteed savings.

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Patriot Group Exchange Program Insurance - Quote/Buy Online or Apply

Quote, Apply & Buy the Patriot Exchange Program plan instantly online or print/complete the paper application along with the payment.

Quote/Buy Online: Get instant quote & Buy Patriot Group Exchange Program coverage online along with requisite premium payment.

Policy Admin

Patriot Group Exchange Plan Renew/Extend Coverage

The coverage can be extended or renewed for an unexpired policy certificate to extend the coverage has to be renewed monthly for up to 12 month periods, for a maximum of 48 continuous months. A $5 renewal additional fee apples for each renewal application.

Renew Policy: Extend the policy coverage dates using IMG Client Dashboard.

Patriot Group Exchange Program Insurance Client Dashboard

IMG Patriot Group Exchange Program client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

Client Dashboard: Access the IMG Patriot Exchange Program coverage on the IMG Client Resources dashboard for existing policyholders.
Claim Form: Download and submit the IMG Patriot Group Exchange Program Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Patriot Group Exchange Plan Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium.

Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $50 cancellation fee.
Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.

Patriot Group Exchange Program Insurance FAQ

Below are some of the questions frequently asked (FAQs) with the Patriot Exchange Program (PEP) plan:

Who needs the IMG Patriot Group Exchange Program plan?

Patriot Group Exchange Program Insurance for Exchange Visitor Groups

Patriot Group Exchange Insurance is an affordable choice for international insurance, and the plan is available for groups of exchange visitors participating cultural programs, or international students enrolled in full time academic study or research.

Patriot Group Exchange Program (PGEP) plan meets the J1 visa insurance requirements set by the U.S. Department of State, as long as a maximum amount coverage selection is at least $100K and chosen deductible is $500 or lower. Patriot Group Exchange J1 insurance plan is suitable for groups of J1 visa interns, medical residents, exchange visitors, au-pairs, and anyone holding a J1 or J2 visa dependents also.

The PGEP plan is popular as an international student health insurance, and is designed also to meet the needs of groups of international students, academic researchers and scholars. With the Patriot Group Exchange visitor visa insurance policy, student groups can find the plan that best fits their needs and budget, and coverage also meets or exceeds most government and visa requirements, plan is available for groups of US F-1/F-2 or J-1/J-2 visa holders. The PGEP plan includes coverage for student health center, eligible medical expenses, hospitalization, doctor visits, medical evacuation in emergency, repatriation of remains, and whole lot more, also meets the requirements of many universities and colleges.

Does the IMG Patriot Group Exchange Program plan cover COVID-19?

Patriot Group Exchange Program Plan includes COVID-19 coverage

Effective July 1, 2020, both the IMG Patriot Group Exchange Program plan terms have been amended to include the current Public Health Emergency exclusion in their international student insurance policy wordings by issuing an endorsement that provides coverage for COVID-19 / coronavirus medical expenses. This endorsement will be added to all IMG customized student and exchange plans, and is applicable to the above-mentioned plans for all new and existing insureds.

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