Patriot America Plus Information, Benefits And Eligibility - Immikare

Overlooking the intricacies of health insurance can lead to costly mistakes. Understanding the Patriot America Plus travel medical Insurance Plan is crucial for those seeking comprehensive coverage for their medical needs.

This informative guide will explore into the key details of the plan, including eligibility requirements and a breakdown of the benefits it offers. Stay tuned to make an informed decision about your healthcare coverage.

Plan Information Of Patriot America Plus Insurance

Key Features Of Patriot America Plus Insurance

For individuals seeking comprehensive medical coverage while traveling to the U.S., anywhere worldwide outside their home country,

For non-U.S. residents traveling to the U.S, or individuals, and groups of five or more travelers, needing temporary medical insurance coverage while traveling to the U.S. or internationally.

The Patriot America Plus Insurance Plan by IMG (international medical group) offers a package of international benefits and range of key features:

• Medical maximums up to $1,000,000
• Acute onset of pre-existing conditions coverage
• Coverage for incidental trips to your home country
• Emergency medical evacuation and repatriation of remains
• 24/7 travel assistance services
• Participated in the United Healthcare PPO network

Any traveler looking for peace of mind can benefit from these important features under the Patriot America Plus Insurance Plan.

Types Of Coverage Offered By Patriot America Plus

Medical Maximum Up to $1,000,000 Deductible Choice of $0, $100, $250, $500, $1,000, or $2,500 Coverage for US Citizens Available for travel outside the US Coverage for Non-US Citizens Available for travel worldwide, including the US Renewable Plans are renewable for up to two years.

Assume that different travelers with varying needs can find suitable coverage options under the Patriot America Plus Insurance Plan. Importantly, the plan offers flexibility and global protection.

Pre-Existing Condition Coverage By Patriot America Plus

Charges related to any Pre-existing condition are excluded from coverage, However, Acute onset of pre-existing conditions covered for insured below 70 years of age up to the period of coverage limit.

Acute onset of pre existing condition means a sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care.

Policy Term Options And Renewability By Patriot America Plus

One of the key advantages of the Patriot America Plus Insurance Plan is the flexibility it provides regarding policy term options and renewability. With policy terms (coverage duration) ranging from 5 days to 2 years, travelers can select the most suitable coverage period based on their travel plans and needs.

Features like the ability to renew the policy for up to two years ensure that travelers can maintain continuous coverage and peace of mind throughout their international journeys.

Benefits Offered By Patriot America Plus

Medical Coverage Benefits

The Patriot America Plus Insurance Plan offers comprehensive medical coverage benefits, including coverage for hospital stays, doctor visits, prescription drugs, and emergency medical evacuation.

With high limits and low deductibles, you can have peace of mind knowing that your medical expenses will be covered in the event of an unexpected illness or injury while traveling abroad.

Additional Health And Travel Benefits

One of the key additional health and travel benefits of the Patriot America Plus Insurance Plan is the provision for coverage of non-emergency medical expenses such as physical therapy. This plan also includes benefits for trip interruption, lost luggage, and emergency medical reunion, providing comprehensive protection for your travels.

A 24/7 assistance service is available to help you find local medical providers, arrange emergency medical transportation, replace lost travel documents, and provide other travel assistance services to ensure your safety and well-being while traveling.

Adventure Sports Rider

The adventure sports rider is a supplemental coverage that can be added to your plan. Is available for an additional premium for those up to the age of 64 years old. It provides coverage for injuries sustained during certain extreme sports.

Exclusions And Limitations

Any pre-existing conditions are excluded from coverage under the Patriot America Plus Insurance Plan. Additionally, routine medical exams, preventive care, and elective procedures are not covered. It is important to carefully review the policy details to understand the full list of exclusions and limitations.

Limitations may apply to coverage for certain medical conditions or treatments, as well as to the maximum amount of coverage available for certain services. It is recommended to consult the plan documents or contact customer service for specific details on limitations that may affect your coverage.

Eligibility For Patriot America Plus

Eligibility Criteria For Applicants

Many individuals may qualify for the Patriot America Plus Insurance Plan based on various factors such as age, residency status, and purpose of visit to the United States.

Applicants must be non-U.S. citizens traveling to the U.S. for business, tourism, study, or other related purposes and be at least 14 days old.

It is necessary to meet the specific eligibility criteria outlined by the insurance provider to enroll in the plan.

Dependents And Family Coverage Options

Eligibility for dependents and family coverage under the Patriot America Plus Insurance Plan is typically extended to spouses and unmarried children under a certain age. The plan allows for the inclusion of dependents in the coverage, providing an added layer of security and peace of mind for families traveling together.

For instance, if a primary applicant qualifies for coverage under the plan, they can also enroll their eligible dependents for additional protection during their time in the United States. This option ensures that families can access the same level of comprehensive insurance coverage, tailored to their specific needs and circumstances.

Enrollment And Claims For Patriot America Plus

The Enrollment Process And Required Documentation

Enrollment in the Patriot America Plus Insurance Plan is a simple and straightforward process.

To sign up for the plan, individuals must provide basic personal information, such as name, address, and contact details.

Additionally, applicants will need to submit proof of eligibility for the plan, which may include a valid visa or travel documents.

It is important to ensure all required documentation is accurate and up to date to avoid any delays in the enrollment process.

Claims Submission And Reimbursement Procedures

On the occasion that medical services are rendered, policyholders can easily submit their claims for reimbursement through the online portal or by contacting the customer service team. The insured person has 180 days from the date a claim is incurred to submit a complete proof of claim.

It is vital to provide all necessary documentation, such as invoices, receipts, and medical records, to facilitate a smooth claims process. Once the claim is validated, reimbursement will be processed promptly to ensure policyholders receive the financial assistance they are entitled to.

Claims for reimbursement must be submitted within the stipulated timeframe outlined in the policy terms and conditions to be eligible for processing. Our dedicated claims team is available to assist policyholders throughout the process and address any queries or concerns that may arise.

Summing Up

Hence, the Patriot America Plus Insurance Plan provides comprehensive coverage for non-U.S. citizens traveling to the United States, offering benefits such as emergency medical evacuation, repatriation, and coverage for acute onset of pre-existing conditions. With its wide range of benefits and flexible options, this plan is an excellent choice for international travelers visiting the U.S. for business, pleasure, or study. Eligibility for this plan is open to individuals aged 14 days to 99 years old, making it accessible to a broad range of travelers. Overall, the Patriot America Plus Insurance Plan is a reliable and cost-effective option to ensure a worry-free and safe travel experience in the United States.