PPI

Patriot Platinum International

Underwriter: Sirius International

Plan pays 100% up to policy maximum

Comprehensive coverage plan
For US destination maximum allowable days of coverage is 60 days.
Coverage from 5 days to to 365 days
PPO network (See list of doctors and hospitals)
Covers during international travel
Renewable and Cancelable
Not available for the residents of Maryland (MD).

Policy info

Plan Administrator: IMG

Carrier: Sirius International

AM Best Rating: A(Excellent)

Useful Links

PPO Network

Plan Brochure

Policy Description

Patriot Platinum International is a Comprehensive Coverage plan from IMG, that provides high limit travel medical coverage to individuals and families traveling internationally.

Please review Patriot Platinum International Insurance Brochure or Description of Coverage (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.

Benefits

Plan Overview

FAQs

Out-Patient

Dr. / Physician Visit

100% covered

Surgical Treatment

100% covered

Prescription Drugs / Medicines

100% covered

Lab & X-rays

100% covered

Physical Therapy

100% covered

In-Patient

Hospital Room

100% covered

Surgical Treatment

100% covered

Hospital Intensive Care Unit

100% covered

Emergency Services

Ambulance Expenses

100% covered

Emergency Room(ER)

100% covered
Emergency Room illness without In-patient Addmission $250 dedcutible

Dental

Acute, spontaneous and unexpected pain

Up to $250

Accidental emergency

100% covered

Travel

Emergency Medical Evacuation / Repatriation

100% covered up to the medical maximum

Return of Remains

Up to $100,000

Emergency Reunion

Up to $100,000

Return of minor Child(ren)

Up to $100,000

Trip Interruption

Up to $10,000

Loss of checked Baggage

$500 max

Life

AD&D

Up to $50,000

Common Carrier Accidental Death

Up to $100,000 per Adult; $25,000 per child , to the maximum of $250,000 per family

Other

Pre-Existing Conditions

Non US Citizens: Up to the age of 65, $20,000 life time maximum for eligible Medical Expenses. $20,000 life time maximum for Emergency Medical Evacuation.

US Citizens(Medical): Up to the age of 65 with primary health plan- URC up to plan maximum. Up to the age of 65 without primary health plan $20,000 life time maximum for eligible medical expenses.
Age 65+ with or without primary health plan- $2500 lifetime maximum.

US Citizens(Emergency Medical Evacuation): Up to $25,000 of eligible costs and expenses.

Maternity

Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

100% Covered

Brochure

Patriot Platinum Insurance Brochure

Support

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.

Plan Administrator Company	IMG
Carrier / Underwriter	Sirius International
Eligibility	Can be purchased by any U.S. citizen traveling outside of their home country. Also available to U.S. citizens living permanently outside of U.S. and needing coverage in the U.S. for short trips.
Plan Type	Comprehensive Coverage Plan Plan pays up to a certain percentage of medical expenses.
AM Best Rating	A (Excellent)
Coverage in U.S.A.	Covered
Coverage outside U.S.A.	Covered
Co-Pay	No Co-pay (You pay the difference of the fixed benefits defined by the benefit table)
Co-Insurance	After the Insured pays the deductible, the program pays 100% to the selected Maximum.
How the Benefits are Paid	The plan pays 100% up to the selected life time maximum limit.
Coverage Type	Lifetime of the policy
Deductible Type	Once Annually or Per Policy Period.
Renewability	Renewable (Only if initially purchased for 1 month) with $5 fee each time you renew, up to a maximum period of 3 years.
Cancellation	Full refund available if cancelled before start date. Only Monthly refund available after start date if no claims have been made( $50 Cancellation Fee Applicable)
PPO Network	First Health Network
Coverage Length	Min 5 days to Max 36 months.
Available Deductibles	Choose From: $0, $100, $250, $500, $1,000 , $2,500, $5,000, $10,000, $25,000
Available Coverage	Choose From: $1,000,000,$5,000,000,$8,000,000 Ages 70+: Limited to $100,000 Ages 80+: Limited to $20,000
Provider Directory	By Provider, Phone Nos.: 800-628-4664 or 317-655-4500
Plan Brochure	Patriot Insurance Brochure
Home Country Definition	U.S. Citizens: Home Country is always the United States of America. Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.
US States Restrictions	Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State
Country Restrictions	Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana

EXPLORE PRODUCTS

Patriot Platinum International

Plan pays 100% up to policy maximum

Read Patriot Platinum International Insurance brochure for complete details

Policy info

Useful Links

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support