Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International
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Age and Policy Maximum |
Age (0-69)- $50,000, $100,000, $500,000 or $1,000,000 Age(70-79)-50,000 Age(80-99)-10,000 |
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Doctor Visit |
Upto Policy Maximum |
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Urgent Care |
$25 co-pay. Co-pay is not applicable when the $0 deductible is selected. |
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Hospital Room and Board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
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Ambulance |
Upto Policy Maximum |
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Prescription |
Upto Policy Maximum |
Complete details are given in certificate of insurance.
Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance;
Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
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Acute Onset of Pre-existing Conditions • Insured Person must be under 70 years of age • Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements
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United States citizens: • Age 64 and under without a Primary Health Plan: • Maximum Limit: $20,000 • Age 64 and under with a Primary Health Plan: • Up to the Period of Coverage limit • Age 65 through age 69: • Maximum Limit: $2,500
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Acute Onset of Pre-existing Conditions • Insured Person must be under 70 years of age • Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements
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Non-United States citizens: • Age 69 and under: • Up to the Period of Coverage limit or $1,000,000 (whichever is lower)
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Emergency Medical Evacuation • Arises or results directly from a covered Acute Onset of a Pre-existing Condition • Insured Person must be under 70 years of age
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Maximum Limit: $25,000
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Click on below link to check providers of PPO Network
Complete details are given in certificate of insurance
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.
The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the following conditions apply if the Insured Person wishes to cancel the insurance: (a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. (b) If no claims have been filed with the Company, (i) a cancellation fee of US$50.00 will be charged; and (ii) only full month premiums will be considered as refundable.
All benefits payable under Patriot Travel Medical Insurance are subject to the terms and conditions in the Certificate of Insurance. To make claim processing efficient, claims may be paid in two ways:
Eligible expenses that have been paid by or on behalf of the insured person may be reimbursed by check directly to the Insured Person.
Eligible claims that have not yet been paid by the insured person may, at the option of IMG, be paid either to the insured person or directly to the provider.