Patriot Executive® (delivered by Marsh GatewayConnexions) provides coverage designed for the executive that takes multiple trips throughout the year outside his or her home country. The plan provides coverage up to 30 days in length for each trip. It offers the ease and convenience of purchasing a single annual plan at an affordable premium.

Patriot Executive International provides coverage for U.S. executives traveling outside the U.S. and Patriot Executive America provides coverage for non-U.S. executives traveling outside their home country.

Medical Insurance for Traveling Executives

As an executive who travels frequently throughout the year, you have plenty of responsibilities. You don't want to think about your medical coverage while you're abroad. But what would happen if you became ill or injured during your trip?

Most executives assume they will be covered by their standard medical plan. The truth is, while traditional plans offer adequate domestic coverage, they are not designed for international travel.

You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. There are two Patriot Executive® plans, which provide a complete package of international benefits available 24 hours a day.

Patriot Executive® International

Patriot Executive International is an annual plan for U.S. citizens that provides coverage for an executive, his or her spouse and/or children traveling together for a period of one year. You are then covered during that year, in accordance with the terms of the plan, for each trip you take together outside your home country.

Patriot Executive® America

Patriot Executive America is an annual plan for non-U.S. citizens that provides coverage for an executive, his or her spouse and/or children traveling together for a period of one year. You are then covered during that year, in accordance with the terms of the plan, for each trip you take together outside your home country.

Who is Patriot Executive designed for?

U.S. citizens who:

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

Non-U.S. citizens who:

1. are under the age of 76,
2. are covered by an individual or group medical plan, and
3. travel outside your home country frequently throughout the year.

Although the Patriot Executive plan in not renewable, it can be rewritten for succeeding or subsequent coverage periods. New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application also must be completed.

SCHEDULE OF BENEFITS (all amounts listed are in U.S. dollars)

International Emergency Care (When coordinated through the Plan Administrator)

Emergency Evacuation
Up to the policy maximum
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. The plan will pay up to the policy maximum for covered incidents for insured persons under age 66; up to $50,000 for covered incidents for insured persons from ages 66 to 75; and up to $25,000 for evacuations resulting from a pre-existing condition.

Emergency Reunion
Up to $15,000
The Patriot Executive plan also provides emergency reunion coverage, up to $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
Up to $25,000
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 $25,000.

Returning Minor Children
Up to $5,000
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 $5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

Political Evacuation
Up to $10,000
If the United States Department of State, Bureau of Consular Affairs issues a travel advisory that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company will pay up to $10,000 for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:

1. The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular affairs issues the travel advisory;
2. Political Evacuation and Repatriation is approved and coordinated by the Company.

To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.

Special Coverages

Trip Interruption
Up to $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 $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
Up to $50 per item of luggage; maximum of $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
$50,000 to Beneficiary; maximum of $250,000 per family
If accidental death should occur while traveling on a commercial Common Carrier, $50,000 will be paid to the designated beneficiary, to a maximum of $250,000 per family.*

Medical Benefits
Usual, reasonable, and customary charges, subject to deductible

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 $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

Pre-existing Conditions
Up to $5,000 per period of coverage
The plan will cover up to $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
Up 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
$25,000 principal sum
The Patriot Executive plan includes $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

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.

* Notwithstanding separate benefits, limits and sublimits for Common Carrier Accidental Death benefit and Accidental Death & Dismemberment benefits (above), no more than $50,000 dollars per individual will be paid to a beneficiary in the event of any death that occurs while covered by the Patriot Executive plan.

EXCLUSIONS

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Patriot Executive plan.

1. Treatment for Pre-existing Conditions in excess of $5000, per Insured Person, per Period of Coverage (not per trip). A Pre-existing Condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time prior thereto, including any subsequent, chronic or recurring complications or consequences relating thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.
2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
3. War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.
4. Immunizations and routine physical exams.
5. Treatment of Temporomandibular Joint or dental treatment,except as provided for in the Certificate of Coverage.
6. Venereal disease, AIDS virus, AIDS related illness, ARCSyndrome, or AIDS, the cost of testing for these conditions, andcharges for treatment or surgeries which are incurred by anyInsured who was HIV+ at time of enrollment into this insurance.
7. Pregnancy, childbirth, birth control, artificial insemination,treatment for infertility or impotency, sterilization or reversalthereof, or abortion.
8. Injury sustained while participating in amateur or professionalsports or other athletic activity which is organized and/or sanctioned,or which involves regular or scheduled practices, gamesor competition. The following hazardous activities are excluded:racing of any kind, aviation (except when traveling as a passengerin 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, skijumping, sky diving, snow skiing, snowboarding, snowmobiling,spelunking, snorkeling, surfing, wakeboarding, water skiing,wind-surfing and whitewater rafting.
9. Vision or ear tests and the provision of visual or hearing aids.
10. Vocational, recreational, speech or music therapy.
11. Treatment while confined primarily to receive custodial care,educational or rehabilitative care, or nursing services.
12. Charges, injuries and/or illnesses resulting or arising from oroccurring during the commission or continuing perpetration of aviolation of law by the insured, including without limitation, theengaging in an illegal occupation or act, but excluding minor trafficviolations.
13. Treatment for, and injuries and/or illnesses resulting or arisingfrom, substance abuse or drug addiction.
14. Injury and/or illness resulting or arising from being under theinfluence of alcohol or drugs; and injury or illness resulting fromoperating any type of vehicle after consuming any alcohol ordrugs.
15. Willful self-inflicted injury or illness.
16. Treatment required as a result of or arising from complicationsfrom a treatment or condition not covered hereunder.
17. Any services or supplies performed or provided by a relative ofthe Insured or provided at no cost to Insured.
18. Treatment for mental and nervous disorders.
19. Organ or tissue transplants or related services.
20. Treatment for illness or injury where the trip is undertaken forthe purpose of obtaining such treatment or advice for a Pre-existingCondition.
21. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).