International Insurance Plans test

Welcome to IMG^®'s section of Coverage without Boundaries^®! We know that the reasons to travel abroad are many and varied - that's why our products are too. Our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.

For your convenience and to assist you in determining which plan is right for you, simply use the scroll function to view each of the products or click on one of the specific product categories below to help narrow your search. You may also obtain more detailed plan information by clicking on the "Download a brochure & application" link associated with each product. Once you have determined which plan best fits your needs, click on the "Quote/Buy Insurance" link and you can complete the simple and easy-to-follow application.

PATRIOT EXCHANGE PROGRAM^SM

Individual or groups of five or more members - Short-term coverage available from one month up to four years for educational and cultural exchange programs.

Highlights
Medical insurance for students studying abroad or participants of cultural exchange programs
Deductible options from $0 to $100
Maximum limit $5,000,000
Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements

STUDENT HEALTH ADVANTAGE^SM

Individual or groups of five or more members - Long-term coverage available from one month up to five years for educational programs.

Highlights
Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program
Coinsurance in PPO network or student health center within the U.S.: Company pays 100%
Deductible of $100
Maximum limit for student: $500,000
Provides coverage for mental health, organized sports and pre-existing conditions

STUDENT HEALTH ADVANTAGE^SM

Individual or groups of five or more members - Long-term coverage available from one month up to five years for educational programs.

Highlights
Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program
Coinsurance in PPO network or student health center within the U.S.: Company pays 100%
Deductible of $100
Maximum limit for student: $1,000,000
Provides coverage for maternity

ITRAVELINSURED - TRAVEL INSURANCE

Individual & family - Travel protection program.

Highlights
Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
Travel insurance program for trips up to 31 days
Standard Coverage for trip cancellation and interruption
Emergency medical expense, evacuation, and reunion benefits
Three product options for varying levels of coverage

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Schedule of Benefits
Benefits	Limits
Medical Expenses Limits:
Lifetime/Annual Maximum	Unlimited
Per Accident or Sickness	$250,000
Per Occurrence Deductibles:
Emergency Room Deductible (waived if admitted)	$250
Call-A-Doc	$0
Physician/Outpatient/Dr. Visit	$100
Urgent Care	$50
Walk in Clinic	$25
MRI/CAT Scan	$0
Rx Copay	$0
Pre-Existing Conditions-12 Month Look Back; thereafter up to policy max	Up to $500
Coinsurance Percentage (%)	100% Coinsurance
Prescription Drugs (inpatient/outpatient)	Inpatient: 100% of Covered Expenses Outpatient: 100% of Covered Expenses
Mental Health	Inpatient up to 30 days/Outpatient 30 visits
Pregnancy (conception must occur while covered under this plan)	Treated as any other illness
Physiotherapy	Covered
Chiropractic Care & Therapeutic Services	Up to $500 max, $50 per visit
Emergency Reunion	$15,000 (hospitalized 3 days)
Home Country (Incidental Trips)	$1,000
Trip Delay (applies mid trip as well) 24-hour time	Up $1,500/daily limit $100
Political Evacuation	$10,000
Dental Injury Only	Up to policy max
Palliative Dental	$1,000max/$200 per tooth
24/7 Assistant Services & In-house Crisis Team	Included
Medical Evacuation	$50,000
Repatriation of Remains	$25,000
Accidental Death & Dismemberment	$15,000 ($1M aggregate limit)

Schedule of Benefits
Benefits	Limits
Medical Expenses Limits:
Lifetime/Annual Maximum	Unlimited
Per Accident or Sickness	$2,000,000
Per Occurrence Deductibles:
Emergency Room (waived if admitted)	$250
Call-A-Doc	$0
Physician/Outpatient/Dr. Visit	$50
Urgent Care	$50
Walk in Clinic	$25
MRI/CAT Scan	$0
Rx Copay	$0
Pre-Existing Conditions-12 Month Look Back; thereafter up to policy max	Up to $500
Coinsurance Percentage (%)	100% Coinsurance
Prescription Drugs (inpatient/outpatient)	Inpatient: 100% of Covered Expenses Outpatient: 100% of Covered Expenses
Mental Health	Inpatient up to 30 days/Outpatient 30 visits
Pregnancy (conception must occur while covered under this plan)	Treated as any other illness
Emergency Reunion	$15,000 (hospitalized 3 days)
Physiotherapy	Covered
Chiropractic Care & Therapeutic Services	Up to $500 max, $50 per visit
Home Country (Incidental Trips)	$1,000
Trip Delay (applies mid trip as well) 24-hour time	Up $1,500/daily limit $100
Political Evacuation	$10,000
Dental Injury Only	Up to policy max
Palliative Dental	$1,000max/$200 per tooth
24/7 Assistant Services & In-house Crisis Team	Included
Medical Evacuation	$50,000
Repatriation of Remains	$25,000
Accidental Death & Dismemberment	$15,000 ($1M aggregate limit)
Trip Interruption	$1,000
Personal Liability
Personal Liability Limit	$2,000,000
Liability deductible	$100
Medical Payments to Others	$25,000
Additional Living Expenses	$10,000
Payment of Homeowners Deductible	$1,000
Personal Property	$1,500

International Insurance Plans test

PATRIOT EXCHANGE PROGRAMSM

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STUDENT HEALTH ADVANTAGESM

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STUDENT HEALTH ADVANTAGESM

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ITRAVELINSURED - TRAVEL INSURANCE

Highlights

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PATRIOT EXCHANGE PROGRAM^SM

STUDENT HEALTH ADVANTAGE^SM

STUDENT HEALTH ADVANTAGE^SM