Patriot Platinum Travel Medical Insurance

Feb 16, 2017, 14:21 PM

Title : Patriot Platinum Travel Medical Insurance

Subtitle : Temporary first-class health insurance for individuals, families, and groups

Short Title : Patriot Platinum

Other plans summary : Temporary first-class health insurance for individuals, families and groups when traveling outside of your home country.

Plan type class : plan_type__vacation plan_type__visitor plan_type__business plan_type__travel_medical_insurance

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Provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product.

You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. IMG has developed two Patriot Platinum Travel Medical Insurance plans to provide you and your family superior protection and offer a complete package of international benefits available 24 hours a day. Patriot International Platinum^SM provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Patriot America Platinum^SM provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of five days up to a maximum of three years, in accordance with the terms of the Certificate of Insurance.

Additionally, the plans offer enhanced benefits and services to meet your global travel needs. You can choose from an extensive range of deductibles and maximum limits, you have exclusive access to our Global Concierge and Assistance Services^SM, and you have access to more than 17,000 providers through our International Provider Access^SM (IPA) when seeking treatment outside the U.S. You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the UnitedHealthcare Options network.

Highlights

COVID-19 coverage for travelers to the U.S.
Coverages for inside and outside the U.S.
( Patriot America Platinum / Patriot International Platinum )
Short-term travel medical coverage
Coverage for individuals, groups, and their dependents
Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

Plan Information

Maximum Limits	Up to $8,000,000
Deductible	$0 to $25,000
Extensions	Up to 36 continuous months
Emergency Medical Evacuation	Up to maximum limit
Coinsurance for treatment received outside the U.S. (International)	100% up to the maximum limit
Coinsurance for treatment received in the U.S. (America)	In the PPO network: 100% up to the maximum limit Out of the PPO network: 90% up to $5,000, then 100%
Incidental Emergency Coverage in the U.S. (Patriot International only)	14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country
COVID-19 / SARS-CoV-2 Coverage	COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance
Acute Onset of Pre-Existing Conditions	Under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation
Travel Intelligence	Included
Telehealth	Included
Evacuation Plus	Included
Eligible Medical Expenses	Up to the maximum limit
Eligible Medical Expenses	Up to the maximum limit
Physician Visits/Services	Up to the maximum limit
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Hospital Emergency Room (Inside the U.S.)	Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Hospital Emergency Room (Outside the U.S.)	Up to the maximum limit
Hospitalization/Room & Board	Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care	Up to the maximum limit
Bedside Visit (Hospitalized in an intensive care unit)	$1,500 maximum limit. Not subject to deductible.
Remote Transportation	$5,000 per period; $20,000 lifetime maximum
Supplemental Accident	$300 per covered accident
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Laboratory	Up to the maximum limit
Radiology / X-ray	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Surgery	Up to the maximum limit
Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the maximum limit
Durable Medical Equipment	Up to the maximum limit
Chiropractic Care Medical order or treatment plan required	Up to the maximum limit
Physical Therapy (Medical order or treatment plan required)	Up to the maximum limit
Extended Care Facility Upon direct transfer from an acute care facility	Up to the maximum limit
Home Nursing Care (Upon direct transfer from an acute care facility)	Up to the maximum limit
Prescription Drugs and Medications (Dispensing limit per prescription: 90 days)	Up to the plan maximum limit, may not exceed $250,000
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission)	Up to the maximum limit. Subject to deductible and coinsurance
Emergency Reunion (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission	IMG pays 100%
Natural Disaster Evacuation Must be approved in advance by the company	$25,000 maximum limit. Not subject to deductible.
Political Evacuation & Repatriation (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Return of Minor Children (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company)	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident	$50,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death	$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Dental Treatment	$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Traumatic Dental Injury Treatment at a hospital due to an accident	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination Loss or damage to prescription corrective lenses due to an accident	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Hospital Indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Identity Theft	$500 maximum limit. Not subject to deductible
Lost Luggage	$50 per item, $500 maximum limit. Not subject to deductible
Natural Disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Personal Liability Secondary to any other insurance	$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return For a pet cat or dog traveling with the insured person	$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit For a pet cat or dog up to 30 pounds traveling with the insured person	$500 maximum limit. Not subject to deductible.
Terrorism	$50,000 maximum limit. Not subject to deductible
Return Travel	$10,000 maximum limit. Not subject to deductible

Designed for...

Vacations / Holidays

Visitors / Immigrants

Employers / Business Travelers

personas :

Business
Vacation
Visitor

Tags :

Patriot Platinum Travel Medical

Categories :

Employer / Business Traveler
Travel Medical Insurance
Vacation / Holiday
Visitor / Immigrant

Patriot Platinum Brochure

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Product Overview Page : Patriot Platinum Travel Medical Insurance

Breadcrumb Page : Patriot Travel Series

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Patriot Travel Series / Patriot Platinum