US Customer Support
Patriot Platinum Insurance
(For International travelers)
- Sirius International Insurance Corporation
- A (Excellent) by AM Best
- International Medical Group
- US Citizens travelling outside USA
- Non US Citizens travelling outside their home country
- Travelers below 65 years visiting USA must purchase the plan within 6 months of arrival in US
- Travelers 65 years and older must purchase the plan within 30 days of arrival in US
Unique Features
- $8 million coverage
- Covers pre-existing conditions for travelers of any age
- Renewable up to 3 years
- Covers emergency medical evacuation up to the plan maximum
- Dental coverage due to accident is also covered up to maximum limit
Advantages
- Top tier plan for IMGlobal offers many travel benefits at highest coverage they offer
- No Coinsurance for claims outside US and Canada
- No Coinsurance for treatment in PPO network in US or Canada
- Covers basic non-contact sports up to plan maximum
Disadvantages
- $100,000 maximum coverage for 70-79 years age group
- $20,000 maximum coverage for age group for 80+ travelers
- Travelers aged 65 years and older must purchase the plan within 30 days of arrival in US
Coverage Example:
Policy maximum of the plan: $5,000,000
Deductible: $100
Coverage region: USA, claims incurred out of network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $100
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $65,000
Policy maximum of the plan: $5,000,000
Deductible: $100
Coverage region: USA, claims incurred out of network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $100
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $65,000
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 Sudden Dental Pain | $100 | $100 (Since the deductible is $100) | $0 |
| Accidental hospitalization | |||
| Hospital Room and Board | $30,000 | $500 (10% of first $5000 coinsurance) | $4,500 (coinsurance: 90% of first $5,000) + $25,000 |
| Other expense | $35,000 | $0 | $35,000 |
| Total: | $65,100 | $600 | $64,500 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden dental pain the bill amounts to $100 for a filling
- You will have to pay the full $100 as the chosen deductible is $100
- A few months later, you meet with a motor accident and get hospitalized to undergo a surgery for $65,000
- 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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