Patriot Group Exchange Insurance

Patriot Group Exchange Insurance

Designed for those participating in education and cultural exchange programs abroad, the Patriot Group Exchange Program gives peace of mind to participants(5 or more) and group organizers alike. Three flexible plans can be tailored to your unique circumstances to provide affordable medical coverage where and when you need it.

Plan Details

  • Policy Max
  • Deductible
  • Co-Insurance
  • Coverage Options
  • Plan Life
  • Underwriter
  • Claims Administrator
  • Patriot Group Exchange Insurance provides a Policy Maximum of US$1,000,000 for the long term annual plan; US$500,000 for the Standard and Basic Short Term Travel Plans
  • $250 for an emergency illness without inpatient admission; $100 for inpatient, and $40 for outpatient (under the Long Term Annual Plan) per illness
  • While enrollee is in Host Country, underwriters will pay 100% of Eligible Expenses after the Deductible up to the Per-Illness or Lifetime Maximum Limit
  • Two Short Term Plans to choose from.
    Coverage can be purchased in monthly increments for up to 24 months, with renewal available after three months of continuous coverage for the Basic and Standard Short Term Travel Plans.
    Optional Baggage, Legal Assistance, and Personal Liability add-on coverage
    Optional Sports and Chaperone/Faculty Replacement riders
  • The Basic and Short Term Travel Plans can be renewed monthly for up to 24 months. Contact your Independent Agent or the International Medical Group for information about Long-Term Annual Plan renewals.
  • The Patriot Group Exchange Program is underwritten by the Sirius International Insurance Corporation.
The Patriot Group Exchange Program Insurance is administered by the International Medical Group Inc.

  • Eligibility
    • Open only to group members actively engaged or participating in an educational or cultural exchange program in the country of assignment through a sponsoring organization or school.
    • The group member and his/her traveling dependents must have legally departed the Home Country and entered the Host Country and must not be a citizen of the Host Country.
  • Plan Benefits

    Patriot Group Exchange Medical Insurance offers a broad range of benefits including:

    • Full medical coverage while studying abroad;
    • Emergency Medical Evacuation to the nearest qualified medical center or hospital and Emergency Reunion coverage for family members;
    • Dental coverage for accidents or Sudden & Unexpected Pain;
    • Accidental Death and Dismemberment and Return of Mortal Remains coverage;
    • Coverage for Political Evacuation and acts of Terrorism;
    • Reimbursement for lost or stolen baggage up to $1000 under Long-Term Annual Plan;
    • Optional Baggage, Legal Assistance, and Personal Liability add-on coverage; and,
    • Optional Leisure or Extreme Sports and Chaperone/Faculty Replacement riders
    • Return of Mortal Remains, includes local burial or cremation
  • Remarks
    • PPO Network: Outside the US the plan does not follow a network. You can utilize the International Provider Access for assistance in locating a health care provider. Inside the US, the Patriot Exchange Insurance provider network is First
      Health Network
    • Renewal:The Long-Term Annual Plan can be renewed annually. The Basic and Standard Short Term Plans can be renewed (without a break in coverage) for up to a total of 24 months, if the plan is purchased for a minimum of a month.