Patriot Exchange (J1/J1+J2 VISA Holders Plan)

Patriot Exchange 50000

Individual buying
Group Buying
Certificate Wording

SUMMARY of BENEFITS-Patriot Exchange 50000

Plan Maximum $50,000 per Illness or injury
Coinsurance 100%
Deductible $100 per illness or injury
Treatment Period 60 days for chronic conditions


Emergency Room visit without in-patient admissionAdditional $250 deductible

Inpatient / Outpatient Benefits
Hospital Room & Board Up to semi-private room rate
Hospital Intensive Care URC (Usual, Reasonalbe, Custmary charge) *
Physical Therapy URC*, 1 visit per day
Physician Visit URC*, 1 visit per day
Student Health Center $5 co-pay per visit
Eligible Medical Expenses URC*
Dental – Treatment Due to Accident $500 maximum
Emergency Room visit with in-patient admission *UCR


Evacuation Benefits
Emergency Medical Evacuation $50,000 lifetime maximum
Emergency Reunion $15,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial 25,000 maximum for Return of Mortal Remains or $5,000 maximum for Cremation/Burial
Political Evacuation $10,000 lifetime maximum


Additional Benefits
Accidental Death & Dismemberment $25,000 principal sum ($25,000 two limbs; $12,500 one limb)
Terrorism $50,000 lifetime maximum
Pre-existing Conditions For conditions existing within 36 months before effective date, charges exclude until after 12 months of coverage and then $500 maximum per period of coverage and $50,000 lifetime maximum
Incidental Trip Coverage Up to a cumulative two weeks

Patriot Exchange Program

Designed for students studying abroad or participants of cultural exchange programs. Most plan options are designed to meet the U.S. J-1 and J-2 visa travel insurance requirements.


  • Coverage for students, scholars, and/or their spouses and unmarried dependent children traveling with them.
  • Plan maximums limits $50,000 per injury or illness, Lifetime Maximum $5,000,000
  • Student Health Center only $5 co-pay per visit
  • No coinsurance in PPO or Non PPO network
  • Emergency medical evacuation $50,000 Lifetime Maximum
  • Return of mortal remains $25,000 Maximum
  • Renewable up to 48 months if minimum of one month is purchased
  • Freedom to seek treatment with hospital or doctor of your choice
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • Optional Add-On coverage available for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance


  • J-2 visa holders can purchase as long as J-1 visa holder is included in the same policy or insured through the J-1 program.

The plan is designed for:

  • Individuals and groups participating in student international programs
  • Cultural exchange participants
  • International graduate students
  • Scholars and educators
  • Dependents
Worldwide Including USA
Age Individual rates Group rates
31days ~ 24 $48.62 $43.78
25-49 $63.37 $57.05
50-64 $135.70 $122.13


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%.