Patriot Group Exchange Insurance

Patriot Group Exchange Insurance
  • This plan is specifically designed for the groups of students studying abroad or participants of a group exchange cultural program.
  • This plan can be purchased on the basis of monthly increments and can include the coverage for members or students and for their spouses and any unmarried dependent children traveling with the travelers.
  • This plan can be renewed up to 2 years if the plan is purchased for a minimum of 3 months.

Patriot Group Exchange Benefits

  • Policy Maximum:
    • Basic Plan - $10,000 per illness or injury with a lifetime maximum of $5,000,000.
    • Standard Plan - $50,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $500,000.
    • Annual Plan - Customizable from $50,000 to a lifetime maximum of $5,000,000.
  • Deductible:
    • Basic and Standard Plan - $100 per illness or injury.
    • Long-Term Annual Plan - Inpatient: $100.
      Outpatient: $40.
  • Eligibility: 1. The group member must be actively engaged or participating in an educational or cultural exchange program in the country of assignment through a sponsoring organization or school.
    2.The group member and his/her travelling dependents must have legally departed the Home Country and entered the Host Country and must not be a citizen of the Host Country.
    3. Spouse and dependents can apply for coverage by themselves if they hold a J2 visa, and the J1 visa holder who is participating in the educational or cultural exchange program has purchased a plan through that program.
  • Dental:
    • Injury due to accident: Up to Maximum limit.
    • Sudden dental pain: Up to $100.
  • Pre-Existing Condition Coverage (U.S.citizens):
    • Medical: Up to $5,000 of eligible expenses.
    • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses.
  • Coverage:
    • Accidental death - $25,000.
    • Dismemberment - $25,000 two limbs; $12,500 one limb.
    • Terrorism - Up to $50,000 Lifetime maximum.
    • Home country - Up to cumulative two weeks.
  • International Emergency Care:
    • Emergency Medical Evacuationt: Up to $50,000 Maximum Limit.
    • Emergency Reunion: $15,000.
    • Return of Mortal Remainst: $25,000.
    • Political Evacuation: Up to $10,000.
  • Plan Life:3 months, can be extended up to 2 years with no breakage period.
  • Coinsurance: No coinsurance.
  • Underwriter: Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Exchange Insurance

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