• Deductible - $250 per insured person, per each and every Claim. The deductible shall be waived for Claims incurred as a result of a covered Accident.
• Maximum Policy Limit- U.S. $1,000,000 per insured Person per Policy Period
• Pre-Existing Condition Benefit- U.S. $5,000 maximum per Insured Person per Policy Period
• Emergency Medical Evacuation Expenses - U.S. $25,000 per Insured Person for Evacuations resulting from a Pre-existing Condition. U.S. $50,000 per Insured Person for Evacuations resulting from other covered Incidents.
• Repatriation Expenses - U.S. $25,000 when coordinated & approved through IMG
• Returning Minor Children benefit of up to US$5,000 when coordinated & approved through IMG
• Emergency Reunion Expenses - U.S. $15,000 when coordinated & approved through IMG
• Trip Interruption benefit of up to US$5,000
• Lost Luggage benefit of up to US$50 per item; maximum of US$250
• Common Carrier Accidental Death benefit of up to US$50,000 to beneficiary; maximum of US$250,000
• Local Ambulance Expense - U.S. $2,500
• Accidental Death and Dismemberment - U.S. $25,000 principal sum
• Hospital Room and Board - Average semi-private room rate up to the Policy Maximum
• Intensive Care - 3x the average semi-private room rate up to the Policy Maximum
• Medical Expenses - Usual, reasonable and customary up to the Policy Maximum
• Outpatient Medical Expenses - Usual, reasonable and customary up to the Policy Maximum
• Benefit Period - Six months
• Period of Coverage - The period of time beginning on the date the Insured Person departs the home country and ending on the date the Insured Person arrives back in the home country. The Period of Coverage can be no longer that the option specified on the Insured's Enrollment Form and in any event no longer than thirty days.
• Maximum Duration of Any One Trip: Your choice , 15 days or 30 days. Trips for covered dependents will be limited to 15 days for any one trip.

Precertification

All proposed hospital admissions and surgeries, whether inpatient or outpatient, will be subject to Pre-certification. You or your attending physician must call the number listed on your Confirmation of Coverage prior to admittance to a hospital or performance of a surgery. In the event of an Emergency Admission, the Pre-certification call must be made within 48 hours after the admission, or as soon as reasonably possible. In the event an admission or surgery is not pre-certified, eligible expenses will be reduced by 50%.

Benefit Period

The Benefit Period is the period of time specified in the Policy Limits. It begins once an eligible incident occurs to the insured. While coverage is in effect under this policy, the Benefit Period does not apply. When coverage under this policy terminates as defined, Patriot Executive Insurance will pay eligible expenses for covered Injuries or Illnesses which commenced during the period of coverage for up to, but not exceeding the Benefit Period, subject to the Policy Limits.

This is only a summary of the coverage provided. Other conditions and exclusions may apply. Please consult the policy itself for a full description of the coverage. In support of Patriot Executive Insurance, IMG has established the Group Health, Accident and Travel Insurance Trust, in Washington D.C. The trust owns a master group international insurance policy. Individual certificates of insurance are issued from the master policy. Rates include 2% surplus lines tax.

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