All benefits, except Accidental Death and Dismemberment are subject to the Deductible and Policy Limits.

1. The usual, reasonable and customary fees of a physician, surgeon, radiologist, and any other specialist to whom the physician has referred the case.
2. The cost of drugs as prescribed by such physician or specialist mentioned in 1. above.
3. The cost of dressings or appliances prescribed by such physician or specialist as mentioned in 1. above.
4. Maintenance and attendance in a hospital reimbursable according to the Policy Limits.
5. Extended care in a licensed extended care facility upon direct transfer from an acute care hospital for the purpose of continued recovery requiring skilled nursing care.
6. Outpatient skilled nursing care by a qualified licensed professional.
7. The cost of emergency ambulance transport necessarily incurred in connection with injury or illness resulting in hospitalization within the country where the event occurs; reimbursable as outlined in the Policy Limits.
8. The cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident.
9. The cost of oxygen and other gases and their administration.
10. The cost of anesthetics and their administration. 

Emergency Evacuation and Repatriation

Emergency Evacuations must be recommended by a physician who certifies that injury or illness necessitates such evacuation and must be agreed to by you or your representative. IMG must approve & coordinate all Emergency Evacuations and Repatriations. Any charges resulting from evacuations and repatriations not coordinated by IMG shall be excluded. Patriot Executive Insurance^sm will pay expenses arising out of reasonable travel and accommodations in respect of evacuation to your country of citizenship or the nearest qualified medical facility. Patriot Executive Insurance covers:

1. Expenses for Emergency Evacuation incurred up to the Policy Maximum.
2. Expenses for Repatriation of bodily remains or ashes to the U.S.A. up to a maximum of U.S. $20,000 for a covered injury or illness beginning during the period of coverage that results in death.

Emergency Reunion

In the instance of a physician recommended evacuation due to a covered injury or illness, where the physician feels that it would be beneficial to have a family member at your side during transport, you will be reimbursed for travel and lodging expenses incurred by that relative up to U.S. $15,000 provided that all travel arrangements are coordinated by IMG. The following benefits will be payable:

1. The cost of an economy air ticket for one relative from the U.S.A. to the airport serving the area where you are hospitalized and the return trip.
2. Reasonable travel and accommodation expenses incurred in relation to the emergency reunion.
3. The period of emergency reunion is not to exceed ten days, including travel.

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