IMG Patriot Exchange Program Insurance
IMG Patriot Exchange Program insurance provides medical coverage for students, families, and groups of two or more people while studying abroad. It also covers cultural exchange program participants. It is a budget-friendly plan available for a minimum of 30 days and can be renewed to a maximum of 48 continuous months. Most coverage options satisfy J1 and J2 visa requirements. The Patriot Exchange health insurance program provides effective coverage 24 hours a day while you are away from home.
This plan offers a streamlined array of benefits to ensure you are covered while you are abroad. It covers inpatient and outpatient treatment, emergency and non-emergency dental, and it handles COVID-19 treatment the same as any other illness. It also offers add-on coverage for lost personal property, high school and college sports, legal assistance and more. With IMG Patriot Exchange Program insurance, you don't have to worry about your health while you're abroad.
Ready to purchase the Patriot Exchange plan?
Individual and group student insurance for studying abroad.
Plan Highlights
Schedule of Benefits
| Plan Limits | |
|---|---|
| Maximum Limit | $5,000,000 |
| Deductible Options | $0, $100, $250, or $500 per illness or injury available |
| Maximum Limit Per Illness or Injury | Choice of $50,000, $100,000, $250,000, or $500,000 |
| Coinsurance | Company pays 100% after deductible is met. |
| Inpatient/Outpatient | |
|---|---|
| Eligible Medical Expenses | Company pays 100% after deductible is met |
| Physical Therapy | Company pays 100% after deductible is met; one visit per day |
| 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. |
| Teladoc Consultation (Groups Only) | Company pays 100% within the U.S.; mental and nervous disorders not covered. |
| Emergency Room Injury | Company pays 100%. Not subject to Emergency Room Deductible. |
| Hospital Emergency Room Illness | Company pays 100% after deductible is met; subject to a $250 deductible for each visit that doesn't result in a direct hospital admission. |
| Hospitalization / Room & Board | Up to the average semi-private room rate |
| Intensive Care | Company pays 100% after deductible is met |
| Bedside Visit | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible. |
| COVID-19/SARS-CoV-2 Coverage | COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance. |
| 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 and Medication | Company pays 100% after deductible is met. 90 day dispensing maximum. Period of Coverage limit: $250,000 per person. |
| Interfacility Ambulance Transfer - For services rendered in the U.S. | Company 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. |
| Emergency Services | |
|---|---|
| Emergency Medical Evacuation | $50,000 maximum limit |
| Emergency Reunion | $15,000 maximum limit |
| Political Evacuation and Repatriation | $10,000 maximum limit |
| Return of Mortal Remains or Cremation/Burial | $25,000 maximum limit for return of mortal remains or $5,000 maximum limit for cremation/burial |
| Additional Benefits | |
|---|---|
| Accidental Death & Dismemberment | $25,000 principal sum; not subject to deductible |
| Terrorism | $50,000 maximum limit; not subject to deductible |
| Sudden & Unexpected Recurrence of a Pre-existing Condition | Maximum Limit: $5,000. Emergency Medical Evacuation Maximum Limit: $25,000. (Only available when purchasing worldwide coverage that excludes the U.S. |
| Pre-existing Conditions | For conditions existing within 36 months before efective 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 Rider | |
|---|---|
| Lost Personal Property | $250 per period of coverage limit |
| Legal Assistance | $500 per period of coverage limit |
| Personal Liability - injury to third party Personal Liability - damage to third party’s property | $2,000 per period of coverage limit after $100 deductible. $500 per period of coverage limit after $100 deductible. |
| Limited High School and College Sports | Company pays 100% after deductible is met |
Ready to purchase the Patriot Exchange plan?
Individual and group student insurance for studying abroad.
IMG Patriot Exchange Program Insurance Rates
We have provided rates for the IMG Patriot Exchange Program insurance plan below. The rate pricing tables include daily and monthly rates for coverage excluding and including the United States. The second table shows the rates including optional additional coverage benefits available to insureds for purchase.
Patriot Exchange Program rates are based on the subscriber's age and whether the primary (student or scholar) is traveling with a spouse or dependent child. Plan rates are also based on deductible options. A deductible is an amount a subscriber pays out of pocket before IMG begins to pay for covered services. A deductible must be paid once during the covered period.
| Patriot Exchange Program - Deductible Factors | ||||
|---|---|---|---|---|
| Deductible | $0 | $100 | $250 | $500 |
| Factor | 1.20 | 1.00 | 0.90 | 0.80 |
Note that the rates below are for individuals traveling with a spouse or dependent child. If you are traveling with a group (defined as two or more people), please request a quote, and we will provide a group rate for you.
Rates
Rates with Additional Benefits
Ready to purchase the Patriot Exchange plan?
Individual and group student insurance for studying abroad.
IMG Patriot Exchange Program Eligibility Requirements
IMG designed the Patriot Exchange health insurance program for students, scholars, interns, teachers, and trainees who participate in an educational or cultural exchange program to teach, study, research, or receive on-the-job training for a temporary period.
To be eligible to apply to the Patriot Exchange Program plan, participants must:
- Be a participant in an educational or cultural exchange program abroad.
- Be the spouse or dependent of a participant and reside outside his/her home country for a temporary period.
- Hold a J, M, F, or A Visa.
- Be at least 31 days old and not yet 65 years old.
- Be physically and legally residing in the destination country for at least 30 days.
- Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date.
Related: Student Health Advantage Plan
Ready to purchase the Patriot Exchange plan?
Individual and group student insurance for studying abroad.
Frequently Asked Questions
The Patriot Exchange Program was designed to meet the insurance requirements for individuals and groups of two or more students studying abroad or participating in a cultural exchange program, including J1 and J2 visa holders.
Travelers should purchase travel medical insurance in case of any illness or injury endured while abroad. Most home-country insurances do not provide coverage for medical expenses acquired abroad. Therefore, travelers would benefit from travel medical insurance by maintaining peace of mind that they are protected while abroad. In addition, travel medical insurance is required by some programs, certain visa types, and is mandated by some countries for entry.
IMG has served over one million people in more than 170 countries through its dedicated efforts to providing top-notch international medical insurance, travel insurance, and world-class services.
IMG's U.S. medical network is provided by UnitedHealthcare and gives travelers access to over 1.4 million physicians and facilities across the U.S.
IMG's international network access is provided through their proprietary IPA (International Provider Access) network, including over 18,000 physicians and facilities.
Eligible insureds may renew their coverage for a minimum of 5 days and a maximum of 48 continuous months, as long as the premium is paid when due.
You can apply online or fill out a printed application form and return it directly to IMG.
You must present claims to IMG for payment within 180 days from the date the claim was incurred. Claims can be submitted online, emailed, or mailed to International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333, USA.
IMG can pay claims for eligible medical expenses in 2 ways:
- Eligible expenses that have been paid by or on behalf of the insured person may be reimbursed by check directly to the insured person.
- Eligible expenses that the insured person has not yet paid may, at the option of IMG, be paid either to the insured person or directly to the provider
Ready to purchase the Patriot Exchange plan?
Individual and group student insurance for studying abroad.
