Patriot America (J1/ J1+J2/F2/ J2/ OPT Visa Holders Plan)

Patriot America 50000

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SUMMARY of BENEFITS-Patriot America 50000

Maximum Limits $50,000
Coinsurance – for treatment received within the U.S and Canada In the PPO Network – The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
Out of the PPO Network – The plan pays 80% of elgible expenses up to $5,000, then 100% up to the Maximum Limit
Coinsurance – for treatment received outside the U.S and Canada 100%
Deductible $250 / person, policy year
Benefit Period Six months
World-class Medical Benefits Coverage availbable for in-patient and out-patient medical expense
International Emergency Care A wide range fo international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
Medical Benefits
Hospital Room & Board Up to Maximum Limit for average semi-private room rate
Intensive Care Up to Maximum Limit
Medical Expenses Up to Maximum Limit
Out-patient Medical expenses Up to Maximum Limit
Local Ambulance Up to Maximum Limit
Prescription Drugs Up to Maximum Limit
Emergency Room Accident Up to Maximum Limit
Emergency Illness with in-patient admission Up to Maximum Limit
Emergency Illness without in-patient admission Up to Maximum Limit with additional $250 deductible
Dental – Injury Due to Accident Up to Maximum Limit
Dental – Sudden Dental Emergency Up to $100
Hospital Daily Indemnity Up to $100 per night up to a maximum of 10 days
International Emergency Care
Emergency Medical Evacuation Up to $500,000 lifetime maximum(Indepent of the Maximum Limit)
Emergency Reunion Up to $50,000
Return of Mortal Remains or Cremation/Burial Up to $50,000 for Return of Mortal Remains or $5,000 for Cremation/Burial
Return of Minor Children Up to $50,000
Political Evacuation Up to $10,000
Natural Disaster $100 per day for five days
Identity Theft Assistance Up to $500 per period of Coverage
Additional Benefits
Terrorism Up to $50,000 lifetime maximum
Sports & Activities Coverage Up to the Maximum Limit for basic sports
Sudden and Unexpected Recurrence of a Pre-exisiting Condition – Medical (for U.S. citizens only) Up to age 65 with primary health plan: URC up to plan maximum. Up to age 65 without primary health plan: $20,000 lifetime maximum. Age 65+: $2,500 lifetime maximum
Sudden and Unexpected Recurrence of a Pre-exisiting Condition – Emergency Medical (for U.S. citizens only) Up to $25,000 of eligible cost and expenses
Incidental Home Country Coverage Up to cumulative two weeks
End of Trip Home Country Coverage One month for every five months of travel coverage purchased, up to a maximum of two months
Trip Interruption Up to $5,000
Common Carrier Accidental Death $50,000 to Beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage Up to $50 per item of personal property; maximum of $250

Patriot Travel Medical Insurance

Addresses the insurance needs of U.S. and non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.


  • Short-term travel medical coverage
  • Coverage for individuals and dependents
  • Two plan designs – one for U.S. citizens and one for non-U.S. citizens traveling outside their home country
  • Maximum Limits $50,000
  • Deductible options from $0 to $2,500
  • Emergency medical evacuation $50,000 Lifetime Maximum
  • Return of mortal remains $50,000 Maximum
  • Available in daily and monthly rates
  • Renewable up to 24 months if one month or more are purchased
  • Freedom to seek treatment with hospital or doctor of your choice
  • Trip cancellation, travel delay and baggage delay benefits available
  • 24 hour secure access from anywhere in the world to manage your account at any time

Who the plan is designed for:

  • Graduating seniors trips
  • Senior citizens age 65+ with or without Medicare traveling abroad
  • College students studying abroad
  • Foreign au pairs and nannies
  • Families sponsoring exchange students
  • International vacationers
  • Individual or group missionaries
  • Relatives visiting from overseas
  • Recently arrived immigrants
Worldwide Including USA
Monthly Premium Daily Premium
Age Individual rates Group rates Individual rates Group rates
18-29 $37  $33.3 $1.25  $1.13
30-39 $49  $44.1 $1.65  $1.49
40-49 $73  $65.7 $2.45  $2.21
50-59 $107  $96.3 $3.60  $3.24
60-64 $135  $121.5 $4.50  $4.05
65-69 $154  $138.6 $5.15  $4.64
70-79 $208  $187.2 $6.95  $6.26
80+ $362  $325.8 $12.10  $10.89
Dep. Child $34  $30.6 $1.15  $1.04
Child $37  $33.3 $1.25  $1.13
You don’t need to provide a SSN number, but it requires your passport number.
Click here to enter StudentSecure enrollment page,fill the infomation of the insured referring to StudentSecure enrollment explanation(chinese),use the credit card to complete the payment, and then click “Download Fulfillment” link,you can download the electronic ID card and receipt of payment immediately. According to the Fulfillment Method you chosed. Insurance company will send all insurance materials to the email address which you provided or mail the physical materials to your mail address. Electronic files and physical files have the same effect. If you are not received via Email after the payment, please check your Spam box, some emails may be mistakenly treated as a Spam.
You can use a debit card or credit card which shows a logo such as Visa, MasterCard, American Express or Discover to pay your cost of insurance plan online.
You may set the Insurance effective date by yourself. Effective date and Expiration date are calculated according to EST(eastern standard time).
For first enrollment,you can purchase a maximum of 364 days at one time.
Yes. You can pay monthly, but it has an additional $5 when paying each month. We sugguest to choose full payment, it can save $60 fees.
Student Secure plan covers outpatient, hospital, surgery, laboratory test, prescription drugs and other medical expenses, please see the benefits table in detail.
Yes. In Eligible Expenses,Elite Plan covers 80% of outpaient actual charge,and Select,Budget,Smart Plan cover 50% of outpaient actual charge. Each prescription can be provided less than 60 days.
You can go to any pharmacy in U.S. But you can’t pay the fee directly with the pharmacy. When you need to buy prescripton drugs, you need to pay first yourself, and then apply to claims department for reimbursement.
Send the completed claim form, attached the purchased drug labels or equivalents information,and receipt/bill to the claims department to apply for reimbursement.
Elite, Select Plan start to cover pre-existing conditions after 6 consecutive months. Budget Plan start to cover pre-existing conditions after 12 consecutive months. Smart Plan covers $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only.
If conception occurs after the effective date,Elite, Select, Budget Plan can cover eligible expenses of prenatal examination, delivery, post natal examination and pregnancy complications in usual, reasonable, customary charges.
Elite, Select Plan cover 80% eligible Expenses up to the certificate Period Maximum within the PPO or 60% outside the PPO.
Budget Plan covers 80% Eligible Expenses in the PPO or 60% outside the PPO up to a certificate Period Maximum of $5,000.
Smart Plan has no coverage.
Elite, Select, Budget Plan cover dental treatment due to Accident:$250 Maximum per tooth,$500 Maximum per Certificate Period;dental treatment to alleviate pain:$100 Maximum per Certificate Period. Have no coverage in vision. Smart Plan has no coverage in dental and vision.
Pre-certification:When the insured need the medical services as below, he must get the permission from his insurance company, and then he can receive these services. This obligation of insured is called Pre-certification.
Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible.
The following expenses must always be Pre-certified:
-Inpatient care
-any Surgery or Surgical Procedure
-Maternity: during the first 90 days of Pregnancy or immediately upon any change in status during Pregnancy or upon admission to a Hospital for Delivery, you should pre-certify your insurance company.
-Newborn care
-Computerized Tomography,CAT Scan
-Magnetic Resonance Imaging,MRI
-Care in an Extended Care Facility
-Home Nursing Care
-Durable Medical Equipment
-Artificial Limbs
If the Member does not comply with the Pre-certification requirements, Eligible Medical Expenses will be reduced by 50%.