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Student & Scholars Insurance
Designed for individuals or groups of two or more students or scholars
Medical coverage for Scholars, families and groups while studying abroad    language :



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中文 翻译手册
Designed for individuals and groups of two or more students studying abroad or participants of cultural exchange programs. Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements.

Highlights :
  • Coverage for Scholars, groups, and/or their spouses and unmarried dependent children, traveling with them
  • Plan maximums limits up to $500,000 per injury or illness, Lifetime Maximum $5,000,000
  • Plans are renewable up to 48 months if minimum of one month is purchased
  • Groups may purchase customizable annually renewable long term plans
  • Freedom to seek treatment with hospital or doctor of your choice
  • Universal Rx pharmacy discount savings
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • Student Health Center $5 co-pay per visit
  • No coinsurance
  • Optional Add-On coverage available for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance

Who the plan is designed for :
  • J visa
  • Dependents
  • Scholars and educators
  • International graduate students
  • Cultural exchange participants
  • Individuals and groups participating in student international programs


Non-U.S. Citizens - Worldwide Excluding Home Country (Monthly Premium)
Age Option A
$50,000 per
Illness/Injury
Option B
$100,000 per
Illness/Injury
Option C
$250,000 per
Illness/Injury
Option D
$500,000 per
Illness/Injury
Under 25
years
$48.62
$51.05 w/add-on
$56.45
$59.25 w/add-on
$60.36
$63.37 w/add-on
$63.66
$66.84 w/add-on
25 - 49 years $63.37
$66.53 w/add-on
$73.50
$77.15 w/add-on
$78.59
$82.52 w/add-on
$82.90
$87.04 w/add-on
50 - 64 years $135.70
$142.49 w/add-on
$157.35
$165.20 w/add-on
$168.27
$176.68 w/add-on
$177.53
$186.41 w/add-on


Non-U.S. Citizens - Travel to Europe Only (Monthly Premium)
Age Option A
$50,000 per
Illness/Injury
Option B
$100,000 per
Illness/Injury
Option C
$250,000 per
Illness/Injury
Option D
$500,000 per
Illness/Injury
Under 25
years
$28.62
$30.05 w/add-on
$33.31
$34.96 w/add-on
$35.52
$37.29 w/add-on
$37.47
$39.34 w/add-on
25 - 49 years $33.10
$34.75 w/add-on
$43.37
$45.52 w/add-on
$41.06
$43.12 w/add-on
$43.31
$45.47 w/add-on
50 - 64 years $85.85
$90.14 w/add-on
$92.84
$97.47 w/add-on
$106.44
$111.76 w/add-on
$112.29
$117.90 w/add-on

Schedule of Benefits

All amounts shown are in U.S. dollars. Click the orange headers for further information.

SUMMARY OF BENEFITS
Plan Maximum Choice of $50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000
Deductible $100 per illness or injury
Coinsurance No coinsurance
Treatment Period Maximum 60 days for chronic conditions
INPATIENT/OUTPATIENT BENEFITS
Hospital Room and Board Up to semi-private room rate
Hospital Intensive Care URC*
Physical Therapy URC* - 1 visit per day
Physician Visit URC* - 1 visit per day
Student Health Center $5 co-pay per visit
Prescription Drugs URC*
Eligible Medical Expenses URC*
Emergency Room visit with In-patient Admission URC*
Emergency Room visit without In-patient Admission Additional $250 deductible
Dental - Treatment Due to Accident $500 maximum
EVACUATION BENEFITS
Emergency Medical Evacuation $50,000 lifetime maximum
Emergency Reunion $15,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial $25,000 maximum for Return of Mortal Remains or $5,000 for Cremation/Burial
Political Evacuation $10,000 lifetime maximum
ADDITIONAL BENEFITS
Accidental Death & Dismemberment $25,000 ($25,000 two limbs; $12,500 one limb)
Terrorism $50,000 lifetime maximum
Sudden & Unexpected Recurrence of a Pre-existing Condition (U.S. Citizens plan only)
Eligible Medical Expenses: $5,000 lifetime maximum
Emergency Medical Evacuation $25,000 lifetime maximum
Pre-Existing Conditions For conditions existing within 36 months before effective date, charges excluded after 12 months of coverage and then $500 maximum per period of coverage and $50,000 lifetime maximum
Incidental Trip Coverage Up to a cumulative two weeks
OPTIONAL ADD-ON RIDERS
Lost Personal Property $250 maximum
Legal Assistance $500 maximum
Personal Liability
Injury to third party $2,000 maximum after $100 deductible
Damage to third party's property $500 maximum after $100 deductible
High School, Interscholastic, Intramural, or Club Sports URC*

Conditions of Coverage


  1. Coverage and benefits are subject to the deductible, limites and coinsurance, and all terms of the Certificate of Insurance and Master Policy.
  2. Coverage under a Patriot Exchange Program plan is secondary to any other coverage.
  3. Coverage and benefits are for eligible medical expenses which are medically necessary and usual, reasonable and customary.
  4. Charges must be administered or ordered by a licensed physician.
  5. Charges must be incurred during the Period of Coverage.
  6. Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.


Eligibility


The following conditions apply to all persons applying for and/or enrolling in a Patriot Exchange Program plan.
  • The member must be actively engaged or participating in an educational or cultural exchange program in the country of assignment through a sponsoring organization or school, or be the spouse or dependent of said student/participant.
  • Spouse and dependents can apply for coverage by themselves if they hold a J2 visa, and the J1 visa holder who is participating in the educational or cultural exchange program has purchased a plan through that program.
  • Coverage becomes effective when the member and his/her traveling dependents have legally departed the Home Country and legally entered the Host Country and are not citizens of the Host Country.


Renewal of Coverage


Eligible insureds whose initial coverage is 1 month can request coverage under the plan be renewed monthly for up to 12 month periods, for a maximum of 48 continuous months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan.



Quality Guarantee


Your satisfaction is very important to IMG. If you are not pleased with this product for any reason, you may submit a written request, within 5 days from the initial effective date, for cancellation and refund of your premium. If you do not have any claims filed with IMG, you may cancel your plan after the review period; however, the following conditions will apply:
  1. You will be required to pay a $50 cancellation fee.

  2. Only full month premiums will be considered for refunds.

For example, if you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund. If you have filed claims, your premium is non-refundable.



Whether your trip takes you abroad for a few weeks or a year, your cultural exchange experience should be enjoyable. You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. IMG has developed two Patriot Exchange Program plans that offer a complete package of international benefits available 24 hours a day. The Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of cultural exchange, while the Basic Short-Term Travel Plan is more of an economical plan. Both plans provide coverage for dependents and may be purchased in monthly increments.

Additionally, you can choose from a nice range of plan maximums and additional add-on coverage. You can access more than 17,000 providers when seeking treatment outside the U.S. using our International Provider AccessSM (IPA), and you can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.
Students & Scholars Insurance
Patriot Exchange Program
-No Coinsurance
Overview
Benefits-Standard
Optional Riders
Additional Services


Patriot Travel Medical Insurance
-No Deductible
Overview
Benefits
Exclusions
Optional Riders


Student Health Advantage
Overview
Benefits
Exclusions
Additional coverage information


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