US Customer Support
Patriot Green Insurance
(Covers travelers who are conscious about the environment)
- Sirius International Insurance Corporation
- Travelers who are conscious about the environment
- International Medical Group
Unique Features
- Covers both US and non US citizens
- Coverage maximum of $2 million available
- Availability of discounts on purchase of prescription drugs
- Optional Eco Sports coverage for travelers engaged in sports mainly for leisure, recreation, or entertainment purposes at an additional price
- Eco-friendly benefits not offered in any other plan
Advantages
- Renewable up to 2 years
- Covers pre-existing conditions for any age group
- A paperless product; some proceeds used to offset carbon footprint
Disadvantages
- Travelers aged 65+ years must buy the plan within 30 days of arrival in US
Coverage Example:
Policy maximum of the plan: $50,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sickness and the expense incurred is $250
Second incident is a accident and the injured is hospitalized and is undergoing hand surgery for which the expense is $50,000
Policy maximum of the plan: $50,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sickness and the expense incurred is $250
Second incident is a accident and the injured is hospitalized and is undergoing hand surgery for which the expense is $50,000
The following table shows the amount paid by the plan and the customer:
| Expense | Bill Amount | Customer pays | Plan Pays |
| First Visit to the Doctor due to sickness | $250 | $250 (Since the deductible is $250) | $0 |
| Surgery hospitalization | |||
| Hospital Room and Board | $25,000 | $500 (10% of first $5000 coinsurance) | $4,500 (coinsurance: 90% of first $5,000) + $20,000 |
| Other expense | $25,000 | $0 | $25,000 |
| Total: | $50,250 | $750 | $49,500 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sickness the bill amounts to $250 for a filling
- You will have to pay the full $250 as the chosen deductible is $250
- A few months later, you meet with a accident and get hospitalized to undergo a hand surgery for $50,000
- Now the plan will pay 90% of the first $5,000. ie. Company will pay $4,500 and you will pay $500
- The plan will then pay the remaining eligible expenses
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