Patriot Group Travel coverage is designed for organizations who have a group of 5 or more US citizens or Non US Citizens traveling together, and to a destination that is not the home country of any of the traveling members. This plan provides the same benefits as the individual Patriot Travel Medical Insurance but with a 10% discounted rates for applying as a group. This plan offers 100% coverage after deductible if the treatment is received outside US & Canada. In USA the plan pays (After deductible) 90% In PPO up to US $5,000 and then 100% up to policy maximum. Coverage includes Emergency evacuation, repatriation, choice of deductibles & policy limits.
Who the plan designed for?
| PLAN INFORMATION | |
|---|---|
| Maximum Limit Per Period of Coverage Options | $50,000, $100,000, $500,000, $1,000,000, $2,000,000 (Patriot International only) |
| Individual Deductible options | $0, $100, $250, $500, $1,000, $2,500 |
| Hospital Room and Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Surgery | Up to the maximum limit |
| Intensive Care | Up to the maximum limit |
| Physician Visits | Up to the maximum limit |
| Diagnostic Procedures | Up to the maximum limit |
| Prescription Medication | Up to the maximum limit |
| Home Health Care | Up to the maximum limit |
| Durable Medical Equipment | Up to the maximum limit |
| Emergency Local Ambulance | Up to the maximum limit |
| Emergency Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth |
| Traumatic Dental Injury Treatment at a hospital due to an accident |
Up to the period of coverage maximum limit Subject to deductible and coinsurance Additional treatment for the same injury rendered by a dental provider will be paid at 100% |
| Emergency Medical Evacuation Must be approved in advance and coordinated by the company |
$1,000,000 maximum limit. Not subject to deductible. |
| Emergency Reunion Must be approved in advance by the company |
$50,000 maximum limit. Not subject to deductible. |
| Return of Minor Children Must be approved in advance by the company |
$50,000 maximum limit. Not subject to deductible. |
| Return of Mortal Remains or Cremation/Burial Must be approved in advance by the company |
$50,000 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. |
| Political Evacuation Must be approved in advance by the company |
$10,000 maximum limit. Not subject to deductible. |
| Natural Disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Accidental Death and Dismemberment | $25,000 principal sum. Not subject to deductible |
| Common Carrier Accidental Death | $50,000 per insured person, $250,000 maximum limit per lifetime per family. Not subject to deductible. |
| Trip Interruption | $5,000 maximum limit. Not subject to deductible. |
| Lost Luggage | $50 per item, $250 maximum limit. Not subject to deductible. |
| Identity Theft | $500 maximum limit. Not subject to deductible. |
| Hospital Indemnity | $100 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible. |
| Terrorism | $50,000 maximum limit. Not subject to deductible. |
| Incidental Trips to Home Country Insured person’s country of residence is not the U.S. |
14 consecutive days maximum limit |
| 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. |
| Coinsurance - for treatment received outside of the U.S. | No coinsurance (0%) |
| Coinsurance - for treatment received within the U.S. | In the PPO network - Company pays 100% Out of the PPO network - Company pays 80% of eligible expenses up to $5,000, then 100% |
| Pre-Certification | Fifty percent (50%) reduction of eligible medical expenses if pre-certification provisions are not met. |
| Acute Onset of a Pre-existing Condition (Patriot International Only) | U.S. citizen up to age 65 with primary health plan: Up to maximum limit. U.S. citizen up to age 65 without primary health plan: $20,000 maximum limit. U.S. citizen age 65 to age 70: $2,500 maximum limit. Non-U.S. citizen up to age 70: Up to maximum limit or $500,000 - whichever is lower. |
| Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation (Patriot International Only) | Up to age 65: $25,000 maximum limit |
| Urgent Care | $25 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Walk-in Clinic | $15 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Physical Therapy Medical order or treatment plan required |
Up to the maximum limit |
| Hospital Emergency Room: International | Deductible waived |
| Hospital Emergency Room: United States | 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 |
| Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed facility resulting in an inpatient hospital admission |
Company pays 100% |
| Personal Liability Secondary to any other insurance |
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 |
