ExPatriot Plus Insurance Policy for International Students

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The IMG ExPatriot Plus Overview

Example Monthly Costs

• AGE 18-29
• $250 Deductible
• $500,000 Policy Limit
• Monthly Premium $64.00

Medical Insurance Benefits

• Hospital Room and Board - To Policy Maximum for average semi-private room rate
• Intensive Care - To Policy Maximum
• Medical Expenses - To Policy Maximum
• Outpatient Medical - Up to policy maximum
• Local Ambulance - Up to policy maximum
• Emergency Room - Charges incurred for the use of the Emergency Room due to an accident are covered up to the Policy Maximum. Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) US$250 deductible if treatment does not require admittance to the hospital.

International Emergency Care

• Emergency Evacuation - To Policy Maximum when coordinated through the Plan Administrator
  Each Patriot Travel Medical Insurance® plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the country of residence or the country where the evacuation occurred, up to the policy limit.
• Emergency Reunion - To US$15,000 when coordinated through the Plan Administrator
  Each PatriotSM plan also provides emergency reunion coverage, up to US$15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the country of residence to be reunited with the insured.
• Repatriation - To US$25,000 when coordinated through the Plan Administrator
  If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the country of residence will be covered up to a maximum of US$25,000.
• Returning Minor Children - To US$5,000 when coordinated through the Plan Administrator
  If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot plans will pay up to US$5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

Benefit Period - Six months

Special Policy Coverages

• Home Country Coverage - Incidental Home Country Coverage - During the Period of Coverage an insured person may return to their country of residence for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their country of residence, b. The total Period of Coverage must be for a minimum of 30 days, and c. The return to the country of residence may not be taken to receive treatment for an illness or injury incurred while traveling.
  End of Trip Home Country Coverage - For every six 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 - To US$5,000 - If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured's principal residence, each Patriot plan will pay to return the insured to the area of principal residence. The plan will pay 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.
• Lost Luggage - To US$50 per item or personal property; maximum of US$250 per Period of Coverage - This benefit will be paid in the event that the Common Carrier permanently loses an insured person's checked luggage. This coverage is secondary to any other available coverage, including the Carrier's.
• Common Carrier Accidental Death - To US$50,000 to Beneficiary; maximum of US$250,000 per family - If accidental death should occur while traveling on a commercial Common Carrier, US$50,000 will be paid to the designated beneficiary, to a maximum of US$250,000 per family.
• Sports & Activities Coverage - To Policy Maximum for basic sports Coverage as described below
  Each Patriot plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes.
  However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition.
  The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, windsurfing and whitewater rafting.
  Optional Sports Rider: This rider adds coverage for jet skiing, scuba diving, snow skiing, snowboarding, snowmobiling, snorkeling, surfing, wakeboarding, water skiing and windsurfing. For more sports coverage, please review IMG's Patriot ExtremeSM plan.
• Accidental Death & Dismemberment - US$25,000 principal sum - Each Patriot plan includes US$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. For more information, see the Conditions of Coverage section on page 14 of the Patriot Travel Medical Insurance brochure.

Quality Guarantee

To Report Claims

Precertification, Emergency Evacuation and Repatriation

Please refer to the certificate wording for a complete description...

Please Note: