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Patriot America Plus Group Benefits
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Maximum Limits
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$10,000, $50,000, $100,000, $500,000
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Individual Deductible
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$0, $100, $250, $500, $1,000, $2,500
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Coinsurance- for treatment received outside of the US
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No Coinsurance
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Coinsurance- for treatment received within the US
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In the PPO Network: the plan pays 100%
Out of the PPO Network: the plan pays 80% of eligible medical expenses up to $5,000, then 100%
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Continuation of Treatment Period
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Earlier of 6 months per injury or illness or upon return to Home Country
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MyIMG
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24 hour secure access from anywhere in the world to manage your account at anytime
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Hospital Room & Board
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URC average semi-private room rate
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Intensive Care Unit
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URC
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Eligible Medical Expenses
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URC
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Acute Onset of the Pre-existing Condition prior to age 70- Medical Expenses
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URC
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Local Ambulance
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URC
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Prescription Medication
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URC
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Emergency Room Accident
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URC
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Emergency Room Illness with In-patient Admission
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URC
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Emergency Room Illness without In-patient admission
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URC with additional $250 deductible
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Dental- Treatment related to an Accident
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URC
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Dental- Emergency
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$300 maximum
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Hospital Daily Indemnity
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$100 per overnight, up to a maximum of 10 overnights
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Terrorism
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$50,000 lifetime maximum
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Recreational Sports & Activities
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URC for non-organized, non-contact, and non-collision activities
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Emergency Medical Evacuation
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$1,000,000 lifetime maximum (independent of the Maximum Limit)
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Acute Onset of Pre-existing Condition prior to age 70- Emergency Medical Evacuation
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$25,000 lifetime maximum
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Emergency Reunion
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$50,000 lifetime maximum
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Return of Mortal Remains or Cremation/Burial
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$50,000 for Return of Mortal Remains or $5,000 for Cremation/Burial
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Return of Minor Children
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$50,000 lifetime maximum
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Political Evacuation
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$10,000 Lifetime maximum
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Incidental Trips
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Up to a cumulative two weeks
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End of Trip Home Country Coverage
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One month for every six months of continuous coverage, up to two months maximum
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Trip Interruption
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$5,000 Maximum
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Common Carrier Accidental Death
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$50,000 to beneficiary; ,maximum of $250,000 per family
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Accidental Death & Dismemberment
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$25,000 principal sum
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Lost Luggage
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$50 per item; maximum of $250
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Natural Disaster
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$250 per day for 5 days maximum
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Identity Theft
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$500 Maximum
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Adventure Sports Rider- optional
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Age: 0-49: $50,000
Age 50-59: $30,000
Age 60-64: $15,000
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Enhanced AD&D Rider-optional
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Up to an additional $400,000
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Citizenship Return Rider-optional
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Up to the Maximum Limit
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Evacuation Plus Rider-optional
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Non-Life-threatening Medical Evacuation: Up to a maximum of $25,000. Natural Disaster Evacuation: Up to a maximum of $5,000
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Personal Liability
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$10,000
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