Patriot Platinum America

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 3 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Non-US Citizens Only Under Age 70: Up to $1000,000.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After the deductible is paid by insured, plan pays 90% for the first $5,000 and then 100% up to the policy maximum.
  • PPO Network: Provides United Healthcare PPO Network.
  • ID Card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age (0-69)):$100,000; $500,000; $8,00,000

Age (70-79)-$100,000

Age (80-99)-$20,000
Doctor Visit Up to policy Maximum
X-ray & laboratory Up to policy Maximum
Hospital Room and Board Up to policy Maximum The average semi-private room rate, including nursing service
Ambulance Up to Policy Maximum.
Prescription Up to Policy Maximum.

Complete details are given in certificate of insurance.

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  • Pre-existing conditions, except acute onset of pre-existing condition.
  • Routine physical exam.
  • Preventive care services such as flu shots.
  • Charges resulting from violation of law.
  • Vision or ear tests and the provision of visual or hearing aids.
  • Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS.

Complete details are given in certificate of insurance.

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Acute Onset of Pre-existing Condition:Age 69 and under:Maximum limit :$1000,000.

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

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PPO Providers are contracted separately through United States Preferred Provider Organization.

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If your Patriot Platinum plan is purchased for a minimum of one month, coverage may be renewed (unless there is a break in coverage) for a total of up to three years. Renewals are available in whole month or daily increments and may be completed online or by using a paper application, however, renewals of less than one month are available only online. For each renewal of less than one month completed online, you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12 month coverage period. Please note: Renewal rates may differ from initial rates

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If you are not pleased with this product for any reason, you may submit a written request ,prior to your effective date ,for cancellation and refund of the premium. You will be required to pay a $50 cancellation fee and a full month premiums will be considered for refunds. If you filled a claim, your premium is non-refundable.

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Claim

All benefits payable under Patriot Platinum Travel Medical Insurance are subject to the provisions described in this brochure and as contained in the Certificate Wording and certificate of coverage. To make claim processing efficient, claims may be paid in two ways:

  1. Eligible claims that have been paid by or on behalf of the Insured Person will be reimbursed by check directly to the Insured Person.
  2. Eligible claims that have not yet been paid by the Insured Person will, at the option of IMG, be paid either to the Insured Person or directly to the provider.

 

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