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Student & Scholars Insurance
Designed for individuals or groups of two or more students or scholars
Short-term travel medical insurance for individuals and families



Click the image above to
download the PDF Brochure
Addresses the insurance needs of U.S. and non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

Highlights :
  • Short-term travel medical coverage
  • Coverage for individuals and dependents
  • Two plan designs - one for U.S. citizens and one for non-U.S. citizens traveling outside their home country
  • Maximum Limits from $50,000 to $2,000,000
  • Deductible options from $0 to $2,500
  • Available in daily and monthly rates
  • Renewable up to 24 months if three months or more are purchased
  • Freedom to seek treatment with hospital or doctor of your choice
  • Trip cancellation, travel delay and baggage delay benefits available
  • Universal Rx pharmacy discount savings
  • 24 hour secure access from anywhere in the world to manage your account at any time

Who the plan is designed for :
  • Graduating seniors trips
  • Senior citizens age 65+ with or without Medicare traveling abroad
  • College students studying abroad
  • Foreign au pairs and nannies
  • Families sponsoring exchange students
  • International vacationers
  • Individual or group missionaries
  • Relatives visiting from overseas
  • Recently arrived immigrants
PATRIOT AMERICA RATES
Rates are based on a $250 deductible option.
For other deductible options, please see the application.
Deductible options from $0 to $2,500

ONE MONTH RATES
(Four Maximum Limit options. Maximums are per covered insured per certificate period.)
 
 
Option 1
$50,000

Option 2
$100,000

Option 3
$500,000

Option 4
$1,000,000

Age One Month One Month One Month One Month
18-29 $43 $50 $64 $76
30-39 $56 $67 $84 $97
40-49 $84 $96 $126 $142
50-59 $120 $147 $178 $206
60-64 $142 $174 $207 $248
65-69 $162 $208 $226 $270
70-79 $219 $N/A $N/A $N/A
80 (10,000 Manimum) $381 $N/A $N/A $N/A
Dep.Child $38 $45 $58 $65
Child Alone $39 $46 $59 $66

DAILY RATES
(10 day minimum)
 
 
Option 1
$50,000

Option 2
$100,000

Option 3
$500,000

Option 4
$1,000,000

Age Daily Daily Daily Daily
18-29 $1.45 $1.75 $2.20 $2.55
30-39 $1.90 $2.25 $2.85 $3.25
40-49 $2.85 $3.25 $4.25 $4.80
50-59 $4.05 $4.95 $6.00 $6.90
60-64 $4.80 $5.85 $6.95 $8.35
65-69 $5.45 $7.00 $7.60 $9.05
70-79 $7.35 $N/A $N/A $N/A
80 (10,000 Manimum) $12.75 $N/A $N/A $N/A
Dep.Child $1.30 $1.50 $.195 $2.20
Child Alone $1.35 $1.60 $2.00 $2.25

Schedule of Benefits

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


PLAN INFORMATION
Maximum Limits $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Individual Deductible Your choice of $0, $100, $250, $500, $1,000 or $2,500
Coinsurance Click for more information
Benefit Period Six months
MEDICAL BENEFITS Usual, reasonable and customary charges, subject to deductible and coinsurance when applicable.
Hospital Room and Board Up to the Maximum Limit for average semi-private room rate
Intensive Care Up to the Maximum Limit
Medical Expenses Up to the Maximum Limit
Out-patient Medical Up to the Maximum Limit
Local Ambulance Up to the Maximum Limit
Prescription Drugs Up to the Maximum Limit
Emergency Room Accident Up to the Maximum Limit
Emergency Illness - with In-patient Admission Up to the Maximum Limit
Emergency Illness - without In-patient Admission Up to the Maximum Limit
Dental Click for more information
Hospital Daily Indemnity Click for more information
INTERNATIONAL EMERGENCY CARE When coordinated through the Plan Administrator
Emergency Evacuation Up to $500,000 lifetime maximum (independent of the Maximum Limit)
Emergency Reunion Up to $50,000
Return of Mortal Remains Up to $50,000
Return of Minor Children Up to $50,000
Political Evacuation Up to $50,000
Natural Disaster $100 per day for five days
Identity Theft Assistance Up to $500 per Period of Coverage
ADDITIONAL BENEFITS
Terrorism Coverage Up to $50,000 lifetime maximum
Sports & Activities Coverage Up to the Maximum Limit for basic sports Coverage as described below
Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical existing Condition - Medical Click for more information
Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation Click for more information
Incidental Home Country Coverage Up to a cumulative two weeks
End of Trip Home Country Coverage Click for more information
Trip Interruption Up to $5,000
Common Carrier Accidental Death $50,000 to Beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage Up to $50 per item of personal property; maximum of $250 per Period of Coverage

Exclusions and Limitations

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Patriot Exchange Program plans.
  1. A Pre-existing Condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.


  2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.


  3. War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.


  4. Immunizations and routine physical exams.


  5. Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.


  6. Venereal disease, AIDS virus, AIDS-related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.


  7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.


  8. Injury sustained while participating in amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded unless the Adventure Sports Rider is purchased: abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris.

    Injury sustained while participating in contact sports of any kind, racing of any kind, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, rodeo activity, ski jumping, whitewater rafting exceeding Class V difficulty, scuba below 50 meters; and/or adventure sports not expressly covered hereunder are excluded regardless of which plan or rider is selected.


  9. Vision or ear tests and the provision of visual or hearing aids.


  10. Vocational, recreational, speech or music therapy.


  11. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.


  12. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.


  13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.


  14. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.


  15. Willful self-inflicted injury or illness.


  16. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.


  17. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.


  18. Treatment for mental and nervous disorders.


  19. Organ or tissue transplants or related services.


  20. Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the certificate of insurance.


  21. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. IMG has developed two Patriot Travel Medical Insurance plans that offer a complete package of international benefits available 24 hours a day. Patriot International® provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Patriot America® provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of 5 days up to a maximum of two years.

Additionally, the plans offer excellent benefits and services to meet your global needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You can also choose from a wide range of deductibles, several Maximum Limits, and you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S. 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


Contact Us
United-States-of-America English@snshealthplan.com
South-Korea Korean@snshealthplan.com
China Chinese@snshealthplan.com
Taiwan Taiwanese@snshealthplan.com
India Indian@snshealthplan.com
Japan Japanese@snshealthplan.com
IMG - International Medical Group Email: snshealthplan@gmail.com, chinese@snshealthplan.com,
korean@snshealthplan.com, indian@snshealthplan.com,
japanese@snshealthplan.com, taiwanese@snshealthplan.com
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