PGE

Patriot Group Exchange

Underwriter: Sirius International
Policy info
Plan Administrator: IMG
Carrier: Sirius International
AM Best Rating: A(Excellent)
Patriot Group 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 Group Exchange Plan is not available for the residents of Maryland (MD). 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 Group 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 (Not Available for Basic Short Term Plan )
Accidental emergency
Up to $500 (Not Available for Basic Short Term Plan )
Emergency Medical Evacuation / Repatriation
Standard Short Term Plan:$50,000
Basic Short Term Plan: $25,000
Long term Annual: Maximum Limit
Return of Remains
Standard Short Term Plan:$25,000 for return or Mortal returns ,or $5000 for cremation
Basic Short Term Plan:$7500 for return or Mortal returns ,or $5000 for cremation
Long term Annual:$25,000 for return or Mortal returns ,or $5000 for cremation
Emergency Reunion
Up to $15,000
Return of minor Child(ren)
Not Covered
Loss of checked Baggage
Covered under Optional Add-On plan
AD&D
Up to $25,000($5000 for Basic Short Term)
Pre-Existing Conditions
Covered after 12 months of continous coverage $500 per year; $50,000 lifetime maximum
Maternity
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.
Disclaimer
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.