Health Insurance for International Students
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Patriot Exchange Insurance

Patriot Exchange Insurance Plan

Patriot Exchange Insurance is short-term coverage available from one month up to four years for individual and family who pursue educational and cultural exchange programs outside home country.

Patriot Exchange health insurance is designed for international travelers, and their families, actively engaged or participating in educational or cultural exchange programs.

Patriot Exchange medical insurance comes in two options:

  • The Patriot Exchange Standard Plan meets the J1 Visa requirements and provides coverage that includes medical benefits, international emergency care including emergency medical & political evacuation, repatriation, and a choice of optional coverage enhancements.
  • The Patriot Exchange Basic Plan is a more economical plan with essential travel medical coverage.

Patriot Exchange Program Insurance plan benefits J1 visa holders such as visiting scholars, faculty, summer interns, and student who need coverage while traveling, working or studying outside their home country.:

  • Coverage for medical emergencies, illness, or injuries while studying abroad;
  • Emergency Medical Evacuation to the nearest qualified medical center or hospital and Emergency Reunion coverage for family members;
  • Accidental Death and Dismemberment and Return of Mortal Remains coverage;
  • Coverage for Political Evacuation and acts of Terrorism;
  • Reimbursement for lost or stolen baggage up to $1000 under Long-Term Annual Plan;
  • Optional Baggage, Legal Assistance, and Personal Liability add-on coverage; and,
  • Optional Sports rider.
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Patriot Exchange Insurance Overview

 
Patriot Exchange Insurance policy plan review and highlights of coverage.
 

Policy Maximum Patriot Exchange Program provides a maximum medical coverage of $500,000 for the Standard and Basic Short Term travel plans, for injury or sickness occured during plan duration.
Deductible Plan deductible of $250 for an emergency illness without inpatient admission, $100 with inpatient admission.
Co-insurance
  • No coinsurance required.
  • The plan pays 100% of eligible expenses after the deductible up to the per-illness or lifetime maximum Limit.

Plan Duration
  • Coverage can be purchased in monthly increments for up to a maximum of 24 months.
  • Minimum 3 month initial purchase is required for future plan renewal eligibility upto 24 months.

Eligibility
  • Patriot Exchange Insurance is offered to actively enrolled students under age 65
  • Covered Expenses incurred during the Period of Coverage
  • Charges resulting directly or indirectly from any Pre-existing Condition is available only for U.S. Citizens and non-US citizens

Coverage Benefits
  • Pre-existing condition : 12 months waiting period
  • Unexpected Recurrence of a Pre-Existing Condition
  • Hospital Room and Board
  • Hospital intensive care unit charges
  • Physician visits, surgeon, Private duty nurse fee
  • Prescription Drugs/li>

  • Injuries from a Motor Vehicle Accident
  • Mental or Nervous Disorders
  • Alcohol and Substance Abuse Benefits
  • Pre-admission tests
  • Diagnostics: X-Rays
  • Hospital emergency room

Plan Administrator Policy administered in USA and worldwide by International Medical Group (IMG).
Plan Underwriter Patriot Exchange Insurance is underwritten by Sirius International Insurance Corporation.

Provider Network Patriot Exchange Insurance preferred provider PPO network is First Health Network.
Plan Brochure Review the Patriot Exchange Insurance Brochure for policy information.
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Plan Renewal Patriot Exchange Insurance policy renewal is available online, Renew Patriot Exchange Insurance to extend the coverage.