Patriot American Plus

 
     
  • Non-US citizens visiting USA or traveling worldwide
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  • Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses
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  • In PPO 90% up to first $5,000 and 100% thereafter
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  • Outside USA & Canada: 100% after deductible
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  • Includes Emergency Evacuation and Repatriation
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  • Coverage period: 5 days to 2 years
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  • Available for all ages
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  • Apply online & Get instant ID cards

Patriot American Plus - Patriot America Plus provides coverage for Non-U.S. citizens (Foreign national ( Parent's or relatives)) traveling USA or outside their home country. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. The plan provides a wide range of plan $50,000, $100,000 & $500,000 maximum limits and $0 to $2500 deductible options, and it is available for a minimum of 5 days up to a maximum of two years, in accordance with the terms of the insurance contract


Rates: Patriot America Plus (Individuals)
POLICY LIMIT Option 1
$50,000
Option 2
$100,000
Option 3
$500,000
AGE Monthly Rates
18-29 $42.00 $52.00 $66.00
30-39 $55.00 $70.00 $88.00
40-49 $82.00 $101.00 $135.00
50-59 $120.00 $155.00 $190.00
60-64 $152.00 $196.00 $233.00
65-69 $173.00 $234.00 $254.00
70-79 $235.00 N/A N/A
80+* $407*.00 N/A N/A
DEP. CHILD $38.00 $46.00 $60.00
CHILD ALONE $42.00 $52.00 $66.00

*80+ individuals are limited to a $10,000 Maximum Limit


POLICY LIMIT Option 1
$50,000
Option 2
$100,000
Option 3
$500,000
AGE Daily Rates
18-29 $1.35 $1.70 $2.15
30-39 $1.80 $2.25 $2.85
40-49 $2.65 $3.25 $4.35
50-59 $3.90 $5.00 $6.15
60-64 $4.90 $6.30 $7.50
65-69 $5.60 $7.55 $8.20
70-79 $7.60 N/A N/A
80+* $13.15 N/A N/A
DEP. CHILD $1.25 $1.50 $1.95
CHILD ALONE $1.35 $1.70 $2.15

*80+ individuals are limited to a $10,000 Maximum Limit


Enhanced AD&D Rider *
Additional AD&D Coverage Monthly Rate
$100,000 $8
$200,000 $16
$300,000 $24
$400,000 $32

*Available to the primary insured only. Available to insureds that are applying for 3 months of Patriot America Plus coverage. Premium is charged in whole month increments.


Benefits
PLAN INFORMATION
Maximum Limits $50,000, $100,000, $500,000
Individual Deductible $0, $100, $250, $500, $1,000, $2,500
Coinsurance - for treatment received outside the U.S. & Canada No Coinsurance
Coinsurance - for treatment received outside the U.S. & Canada In the PPO Network- The plan pays 90% of eligible medical expenses up to $5,000, then 100%
Out of the PPO Network - The plan pays 80% of eligible medical expenses up to $5,000, then 100%
Continuation of Treatment Period Earlier of 6 months per Injury or Illness or upon return to Home Country
MyIMGSM 24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical Benefits Coverage available for eligible inpatient and outpatient medical expenses
International Emergency Care A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
INPATIENT/OUTPATIENT BENEFITS Subject to the coinsurance and deductible when applicable and Usual, Reasonable, and Customary (URC)
Hospital Room and Board URC
average semi-private room rate
Intensive Care Unit URC
Eligible Medical Expenses URC
Acute Onset of Pre-existing Condition
prior to age 70 - Medical Expenses
URC
Local Ambulance URC
Prescription Medication URC
Emergency Room Accident URC
Emergency Room Illness with
In-patient Admission
URC
Emergency Room Illness without
In-patient Admission
URC with additional $250 deductible
Dental - Treatment related to an Accident URC
Dental - Emergency $100 maximum
Hospital Daily Indemnity $100 per overnight, up to a maximum of 10 overnights
Terrorism $50,000 lifetime maximum
Recreational Sports & Activities URC for non-organized, non-contact, and non-collision activities
EVACUATION BENEFITS Not subject to a deductible or coinsurance.
Emergency Medical Evacuation $500,000 lifetime maximum
(independent of the Maximum Limit)
Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation $25,000 lifetime maximum
Emergency Reunion $50,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial $50,000 for Return of Mortal Remains or
$5,000 for Cremation/Burial
Return of Minor Children $50,000 lifetime maximum
Political Evacuation $10,000 lifetime maximum
ADDITIONAL BENEFITS Not subject to a deductible or coinsurance.
Incidental Trips Up to a cumulative two weeks
End of Trip Home Country Coverage One month for every six months of continuous coverage,
up to two months maximum
Trip Interruption $5,000 maximum
Common Carrier Accidental Death $50,000 to beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage $50 per item; maximum of $250
Natural Disaster $100 per day for five days maximum
Identity Theft $500 maximum
OPTIONAL RIDERS
Other than the Enhanced AD&D Rider, optional riders can be requested and apply to all eligible individuals listed on the Application.
Adventure Sports Rider
(available to insureds up to age 65)
AgeLifetime Maximum
0 - 49$50,000
50 - 59$30,000
60 - 64$15,000
Enhanced AD&D Rider
(available to the primary insured only)
Up to the Maximum Limit
Evacuation Plus Rider
(available to insureds up to age 65)
Non Life-threatening Medical Evacuation: Up to a maximum of
$25,000. Natural Disaster Evacuation: Up to a maximum of $5,000

Nationwide PPO Network:


Click here to ACCESS THE PPO DIRECTORY


You may seek treatment under Patriot Platinum Medical Insurance Plan worldwide, including in the United States, with the hospital or doctor of your choice. When seeking treatment in the U.S., you may use the independent Preferred Provider Organization (PPO) contracted by IMG, a separately organized network (First Health Group) of approximately 500,000 physicians and 4,700 privately owned and operated hospitals. * This PPO network includes a large number of hospitals including some of the most well recognized university medical centers and transplant facilities.

Using this provider network could significantly reduce your out-of-pocket expenses.

When a U.S. hospital outside the network is used, a co-payment of US $250 is required in addition to the regular deductible and coinsurance. This co-payment is waived, however, if there is not a network provider within 50 miles of the location of treatment.

Each proposed hospital admission, inpatient or outpatient surgery, and certain other medical procedures must be Pre-certified for medical necessity. This means the insured person or their attending physician must call the number listed on the IMG identification card prior to admittance to a hospital or performance of a surgery, or medical procedure. In the case of an emergency hospital admission, the Pre-certification call must be made within 48 hours of the admission, or as soon as reasonably possible. For a complete list of procedures requiring Pre-certification, please refer to your certificate wording.

If Pre-certification guidelines are not followed, eligible claims and expenses will be reduced by 50%.