PATRIOT TRAVEL MEDICAL INSURANCE^sm
Patriot International

Coverage for US citizens traveling abroad from 15 days to one year. If you are traveling for six months or more, review the ExPatriot Plus^sm plan for additional coverage options. Once the Period of Coverage expires, Patriot International^sm can be rewritten but is not renewable. This means new Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-existing Condition Exclusions apply to any subsequent Period of Insurance.

Policy Premiums

A dependent child is your child shown on the Enrollment Form under 18 years of age, traveling with you, and for whom premium has been paid.

Premiums effective through 12/31/99.

*For ages 66-79, policy maximum is $50,000.
A dependent child is your child shown on the Enrollment Form

*See specific policy for age limit.

Benefit Period The Benefit Period is the period of time specified in the Policy Limits. It begins once an eligible incident occurs to the insured. While coverage is in effect under this policy, the Benefit Period does not apply. When coverage under this policy terminates, as defined, Patriot Travel Medical Insurance ^sm will pay eligible expenses for covered Injuries or Illnesses which commenced during the period of coverage for up to, but not exceeding the Benefit Period, subject to the Policy Limits.

IMG will refund premium only if a written request is received prior to the policy's effective date. The premium is non-refundable after that date.

For Precertification, Emergency Evacuation and Repatriation..............

Please call IMG
in the U.S. 1.800.628.4664
Outside the U.S. 01.317.655.4500
(collect if necessary).

IMG must be notified prior to treatment or within 48 hours of an emergency.

To Report Claims...............................
Please mail to IMG
International Medical Group, Inc.
407 North Fulton Street
Indianapolis, IN 46202 U.S.A.
Please include Identification Number in all correspondence.

This brochure is only a summary of coverage provided. Other conditions and exclusions may apply. Please consult the policy itself for a full description of the coverage. In support of Patriot Travel Medical Insurance ^sm, IMG has established the Group Health, Accident and Travel Insurance Trust, in Washington D.C. The trust owns a master group international travelers insurance policy. Individual certificates of insurance are issued from the master policy. Rates include 2% surplus lines tax.