Executive International Medical Insurance Travel Insurance for Managers Expatriate Assurance Medicale Seguros Medicos

FAST 5 MINUTES MEDICARE ONLINE QUOTATION for EXECUTIVES

EASY 15 MINUTES MEDICARE ONLINE ACCEPTATION

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IMG� offers medical insurance products to individuals, families and groups living and travelling

internationally.
For more than a decade, we have delivered superior service and security to thousands of members

in 150 Countries , travellers , students , sailing , crews , bodyguards, missionaries, ngo's

Executive & Expat

Travel Medical Insurance

ALL NATIONALITIES

ALL COUNTRIES

MAX AGE 69

Executive Travellers on travel or assignment
Families of Executives
US$ 1.000.000 medicare
All Countries
Short and long term stays or missions
Repatriation
24-hour Claim service Online

Download a brochure

& application

Premiums Through age 75*

Maximum Trip Duration	30 Days

U.S. CITIZENS
Annual Premium	US$200
Spouse & 2 children	US$100
Each additional child	US$40

NON-U.S. CITIZENS
Annual Premium	US$236
Spouse & 2 children	US$118
Each additional child	US$47

Patriot Executive Insurance is designed for:

US citizens who:

are under the age of 76,
are covered by an individual or group medical plan, and
travel outside of the United States frequently throughout the year.

Non-US citizens who:

are under the age of 76,
are covered by an individual or group medical plan, and

travel outside your country of citizenship frequently throughout the year.

INTERNATIONAL EMERGENCY CARE
Emergency Evacuation	Up to US$25,000 for pre-existing conditions; up to policy maximum for covered incidents for insured persons under age 66; up to US$50,000 for covered incidents for insured persons from ages 66 to 75
The Patriot Executive� plan includes coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred up to the policy limit. The plan pays up to US$25,000 for evacuations resulting from a pre-existing condition; up to the policy maximum for covered incidents for insured persons under age 66; and up to US$50,000 for covered incidents for insured persons from ages 66 to 75.
Emergency Reunion	To US$15,000 when coordinated through the Plan Administrator
The Patriot Executive� plan also provides emergency reunion coverage, up to US$15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.
Return of Mortal Remains	To US$25,000 when coordinated through the Plan Administrator
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of US$25,000.
Returning Minor Children	To US$5,000 when coordinated through the Plan Administrator
If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Executive plan will reimburse up to US$5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

SPECIAL COVERAGES
Trip Interruption	To US$5,000
If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured�s principal residence, the Patriot Executive plan will reimburse the insured up to US$5,000 for the cost of returning the insured to the area of principal residence. The plan will cover reimbursement for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.
Lost Luggage	To US$50 per item of luggage; maximum of US$250
This benefit will be paid in the event that the Common Carrier permanently loses an insured person�s checked luggage. This coverage is secondary to any other available coverage, including the Carrier�s.
Common Carrier Accidental Death	US$50,000 to Beneficiary; maximum of US$250,000 per family
If accidental death should occur while traveling on a commercial Common Carrier, US$50,000 will be paid to the designated beneficiary, to a maximum of US$250,000 per family.*

MEDICAL BENEFITS	usual, reasonable and customary charges, subject to deductible
Hospital Room and Board	To Policy Maximum for average semi-private room rate

Intensive Care	To Policy Maximum

Medical Expenses	To Policy Maximum

Outpatient Medical	To Policy Maximum

Local Ambulance	To Policy Maximum

Emergency Room	As described below
Charges incurred for the use of the Emergency Room due to an accident are covered up to the Policy Maximum. Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) US$250 deductible if treatment does not require admittance to the hospital.
Dental	As described below
Injury due to an accident: The plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident up to the Policy Maximum. Sudden dental pain: The plan will pay up to US$100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.
Pre-existing Conditions	To US$5,000 per period of coverage
The plan will cover up to US$5,000 maximum, per insured person, per period of coverage (not per trip), for the sudden and unexpected recurrence of a pre-existing condition, as defined in the certificate wording.
Sports & Activities Coverage	To Policy Maximum for basic sports as described below
The Patriot Executive plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, windsurfing and whitewater rafting.
Accidental Death & Dismemberment	US$25,000 principal sum
The Patriot Executive plan includes US$25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the period of coverage: � Accidental Loss of life - principal sum* � Accidental Loss of life which occurred during a hijacking, kidnapping or attempted kidnapping - two times the principal sum* � Accidental Loss of two Members - principal sum � Accidental Loss of one Member - 50% of principal sum. �Member� means hand, foot or eye. For more information see the Conditions of Coverage section on panel 9 of the Patriot Executive brochure.*

BASIC PLAN INFORMATION
Deductible	US$250 per each covered Illness; deductible waived for claims incurred as a result of a covered accident

Coinsurance	None

Policy Maximum	US$1,000,000; US$50,000 for travelers who are 70-75 years old

Benefit Period	Six Months
If a covered injury or illness requires continuing treatment after the period of coverage expires, the six-month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the period of coverage expired, benefits for the covered injury or illness will continue subject to the Policy Limits and the other terms of the plan until there have been six months of continuous coverage for the covered injury or illness.

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