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Patriot International Benefits

           
Plan Information
Maximum Limits $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Individual Deductible Your choice of $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000
Coinsurance For treatment received outside the U.S. & Canada: No Coinsurance
For treatment received within the U.S. & Canada:
In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limits
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limits
Benefit Period 6 months
MyIMGSM 24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical Benefits Coverage available for in-patient and out-patient medical expenses
International Emergency Care A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more

 

Medical Benefits  
Usual, Reasonable and customary charges, subject to deductible and coinsurance when applicable
Hospital Room and Board Up to the Maximum Limit
Intensive Care Up to the Maximum Limit
Medical Expenses Up to the Maximum Limit
Out-patient Medical Expenses Up to the Maximum Limit
Local Ambulance Up to the Maximum Limit
Emergency Room Accident

Up to the Maximum Limit

Prescription Drugs Up to the Maximum Limit
Emergency Room Accident Up to the Maximum Limit
Emergency Room Illness with In-patient Admission Up to the Maximum Limit
Emergency Room Illness without In-patient Admission Up to the Maximum limit with additional $250 deductible
Dental Injury due to an accident: Each Patriot Platinum plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident up to the Maximum Limit.

Sudden dental emergency: Each plan will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.
Hospital Daily Indemnity Up to $250
Supplemental Accident Up to $300

 

International Emergency Care
(When coordinated through the plan administrator)
Emergency Evacuation Up to $500,000 lifetime maximum (independent of the Maximum Limit) 
The Patriot plans offer coverage for Emergency Medical Evacuation to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to $500,000.
Emergency Reunion Up to $50,000
Return of Mortal Remains Cremation/Burial Up to $50,000 for Return of Mortal Remains, or $5,000 for Cremation/Burial
Return of Minor Children Up to $50,000
Political Evacuation Up to $10,000
Natural Disaster            
$100 per day for five days
Identity Theft Assistance Up to $500 per Period of Coverage

 

Additional Benefits
Terrorism Up to $50,000 lifetime maximum
Sports & Leisure Activities Up to the Maximum for basic sports
Each Patriot plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activities (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or government body), or the International Olympic Committee, and or Adventure Sports
Acute Onset of a Pre-existing Condition prior to age 70 U.S. citizen through age 64 with Primary Health Plan Coverage: Period of Coverage Maximum Limit

U.S. citizen through age 64 without Primary Health Plan Coverage: Maximum Limit $20,000

U.S. citizen age 65 through age 69: Maximum Limit $2,500

Non U.S. citizen through age 69: Period of Coverage Maximum Limit or $500,000 whichever is lower
Incidental Home Country Coverage Incidental Home Country Coverage - During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their home country, b. The total Period of Coverage must be for a minimum of 30 days, and c. The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
End of Trip Home Country Coverage End of Trip Home Country Coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of two months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form, and calculate your premium to include the additional month(s).
Trip Interruption If, during a covered trip, there is an unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.
Common Carrier Accidental Death If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, to a maximum of $250,000 per family.
Accidental Death & Dismemberment

Each Patriot plan offers a $25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of Coverage:

  • Accidental Loss of life - principal sum
  • Accidental Loss of two Members - principal sum
  • Accidental Loss of one Member - 50% of principal sum. “Member” means hand, foot or eye.
Lost Luggage A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s.
Adventure Sports Rider The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.  All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.
Enhanced AD&D Rider This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.
Evacuation Plus Rider

This optional rider is available to insureds up to age 65.  It provides coverage for sudden and unexpected medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster.  It also provides coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life Threatening Medical Evacuation  /  Up to a maximum of $25,000

Natural Disaster Evacuation  /  Up to a maximum of $5,000

 

 

 

 

 





Patriot International

 

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