US Customer Support
Patriot International Insurance
(Offers coverage for US Citizens outside USA)
- Sirius International Insurance Corporation
- A (excellent) by A.M. Best and A- by Standard & Poors
- US Citizens outside USA
- International Medical Group
Unique Features
- No PPO network
- Medical coverage up to $2 million
- $50,000 coverage for travelers aged 70-79 years
- Coverage is renewable up to 2 years
- Dental injury due to accident is covered up to plan maximum
- Basic non-contact sports are covered in the plan
- Offers coverage up to plan maximum for sudden recurrence of pre-existing conditions to travelers aged less than 65 years with Primary Health Plan
- For travelers without Primary Health Plan and less than 65 years, the plan offers $20,000 coverage for sudden recurrence of pre-existing conditions
- $2,500 coverage for sudden recurrence of pre-existing conditions to travelers 65+ years
- Optional adventure sports and enhanced AD&D; riders available
- Available discounts on purchase of prescription drugs
Advantages
- No coinsurance
- Covers sudden recurrence of pre-existing conditions to travelers of any age group
Disadvantages
- $10,000 coverage for travelers aged 80+ years
- Only for US citizens traveling outside the US
Coverage Example:
Policy maximum of the plan: $500,000
Deductible: $250
Coverage Region: Outside USA
First visit to the doctor due to sickness and the expense incurred is $300
Second incident is a bike accident and the injured is hospitalized and is undergoing leg surgery for which the expense is $90,000
Policy maximum of the plan: $500,000
Deductible: $250
Coverage Region: Outside USA
First visit to the doctor due to sickness and the expense incurred is $300
Second incident is a bike accident and the injured is hospitalized and is undergoing leg surgery for which the expense is $90,000
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 | $300 | $250 (Since the deductible is $250) | $50 |
| Sickness hospitalization | |||
| Hospital Room and Board | $50,000 | $0 | $50,000 (no coinsurance) |
| Other expense | $40,000 | $0 | $40,000 |
| Total: | $90,300 | $250 | $90,050 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sickness the bill amounts to $300 for a filling
- You will have to pay this $250 as the chosen deductible is $250
- A few months later, you meet with a bike accident and get hospitalized to undergo a leg surgery for $90,000
- The plan will pay 100% of the eligible expenses as there is no coinsurance
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