Patriot Group International Medical Insurance- Benefits

Maximum Limits options

$50,000, $100,000, $500,000, $1,000,000, $2,000,000 (U.S. citizens only)

Individual Deductible Options

$0, $100, $250, $500, $1,000, $2,500

Coinsurance- for treatment received outside of the U.S.

No Coinsurance (0%)

Coinsurance- for treatment received within the U.S.

In the PPO Network- 10% of eligible expenses up to $5,000, then 0%

Out of the PPO Network- 20% of eligible expenses up to $5,000, then 0%

Continuation of Treatment

Six months per injury or illness

Incidental Home Country Coverage

Up to 14 days

End of Trip Home Country Coverage

One month every six months of travel coverage purchased, up to a maximum of two months.

Hospital Room & Board

Average semi-private room rate up to the maximum limit. Includes nursing services.

Intensive Care

Up to the maximum limit

Surgery

Up to the maximum limit

Physicians Visits

Up to the maximum limit

Diagnostic Procedures

Up to the maximum limit

Prescription Medication

Up to the maximum limit

Home Nursing Care

Up to the maximum limit

Local Ambulance Expense

Up to the maximum limit

Emergency Room

Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.

Dental Emergency

Up to the maximum limit for treatment due to an accident. $100 maximum limit for treatment of unexpected pain to sound, natural teeth.

Emergency Medical Evacuation

Up to $500,000 lifetime maximum (independent of the maximum limit). Not subject to deductible

Emergency Reunion

Up to $50,000 lifetime maximum

Return of Remains or Cremation/Burial

Up to $50,000 for return of mortal remains or $5,000 for cremation/burial. Not subject to deductible.

Return of Minor Child(Ren)

Up to $50,000. Not subject to deductible.

Political Evacuation

Up to $10,000. Not subject to deductible.

Natural Disaster

Up to $100 per day and five days for accommodation. Not subject to deductible.

Terrorism

Up to $50,000 maximum limit. Not subject to Deductible.

Sudden and Unexpected Reoccurrence of a Pre-Existing Condition- Medical (for U.S. citizens only)

Up to age 65 with primary health plan: URC up to maximum limit

Up to age 65 without primary health plan: $20,000 lifetime maximum.

Age 65+: $2,500 lifetime maximum.

Sudden and Unexpected Reoccurrence of a Pre-Existing Condition- Emergency Medical Evacuation (for U.S. Citizens only)

Up to age 65: $25,000 maximum limit

Hospital Indemnity

Up to $100 per overnight (up to a maximum of 10 overnights). Not subject to deductible.

Common Carrier Accidental Death

$50,000 per insured person and $250,000 maximum limit per lifetime and per family. Not subject to deductible.

Accidental Death & Dismemberment

$25,000 principal sum. Not subject to deductible.

Identity Theft Assistance

Up to $500. Not subject to deductible.

Trip Interruption

Up to $5,000. Not subject to deductible.

Lost Luggage

Up to $50 per item; maximum of $250. Not subject to deductible.

*Terms and Conditions of the contract do apply