Patriot Exchange

Underwriter: Sirius International
Policy info
Plan Administrator: IMG
Carrier: Sirius International
AM Best Rating: A(Excellent)
Patriot Exchange is a plan designed to meet the US visa requirement for a student studying abroad or a participant of a cultural exchange program including J1 and J2 visa holders . This plan has two options i.e. Standard and Basic.

Note: Patriot Exchange Plan is not available for the residents of Maryland (MD).
Please review Patriot Exchange Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions. All coverage is based on usual, reasonable, and customary expenses. See plan brochure and description of coverage for detailed coverage.

Here is a complete list of benefits of Patriot Exchange
Dr. / Physician Visit
Plan pays 100% up to the policy maximum.
Prescription Drugs / Medicines
Plan pays 100% up to the policy maximum.
Lab & X-rays
Plan pays 100% up to the policy maximum.
Physical Therapy
Plan pays 100% up to the policy maximum.
Hospital Room
Plan pays 100% up to the use of Semi private room.
Hospital Intensive Care Unit
Plan pays 100% up to the policy maximum.
Ambulance Expenses
Plan pays 100% up to the policy maximum(For illness only hospitalization cases would be covered)
Acute, spontaneous and unexpected pain
Up to $350
Accidental emergency
Up to $500
Emergency Medical Evacuation / Repatriation
$50,000 Lifetime Maximum
Return of Remains
Up to $25,000
Emergency Reunion
Up to $15,000
Return of minor Child(ren)
Not Covered
Loss of checked Baggage
Covered under Optional Add-On plan
Up to $25,000
Pre-Existing Conditions
Covered after 12 months of continous coverage $500 per year; $50,000 lifetime maximum
Not covered
General Physical full Checkup
Not covered
Terrorism Coverage
Not covered
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
The comparison of insurance plans shown below is generic and high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benifits, Limitations, and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.