US Customer Support
Patriot Adventure Insurance
(Medical insurance for people engaged in adventure sports outside their home country )
- Sirius International Insurance Corporation
- A (excellent) by A.M. Best and A- by Standard & Poors
- International Medical Group
- US Citizens travelling outside USA
- Non US Citizens travelling outside their home country
- The applicant must be participating in any of the covered adventure sports activities specified in the brochure
- The applicant must be medically and physically fit to take in such activity
- The applicant must be qualified to take part in adventure sports activities as approved by Governing body or authority
Unique Features
- $50,000 plan maximum
- No coinsurance for coverage outside USA
- Availability of discounts on prescription drugs
Advantages
- Covers basic non-contact sports up to plan maximum
- Dental injury due to accident is covered up to plan maximum
Disadvantages
- Not renewable
- Plan must be purchased for at least 30 days
- Covers sudden recurrence of pre-existing conditions for US Citizens only
Coverage Example:
Policy maximum of the plan: $50,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
You get injured while taking part in water skiing and you need to get hospitalized for treatment. The total bill amounts to $60,250
Policy maximum of the plan: $50,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
You get injured while taking part in water skiing and you need to get hospitalized for treatment. The total bill amounts to $60,250
The following table shows the amount paid by the plan and the customer:
| Expense | Bill Amount | Customer pays | Plan Pays |
| Dental injury | $250 | $250 (Since the deductible is $250) | $0 |
| Hospital Room and Board | $30,000 | $500 (10% of first $5000 coinsurance) | $4,500 (coinsurance: 90% of first $5,000) + $25,000 |
| Other expense | $30,000 | $0 | $30,000 |
| Total: | $60,250 | $750 | $59,500 |
The usage of deductible and coinsurance:
- You get hospitalized for a major dental injury and other accidental injuries
- You will have to pay this $250 as the chosen deductible is $250
- For the remaining expenses, the plan will pay 90% of the first $5,000. ie. plan will pay $4,500 and you will pay $500
- The plan will then pay the remaining eligible expenses
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