More information

Read more about the insurance coverage provided by IMG Patriot International in their downloadable brochure.

Secondary insurance for off-campus interim and semester programs

IMG Patriot International insurance coverage was secured by Calvin College in the fall of 2009 and replaces Medex coverage. The reason for adding this package to student fees for interims and semesters abroad are:

  1. General risk of travel abroad.
  2. Insurance coverage varies. For example: primary insurance coverage for Knight Care students only covers 60% of medical costs while outside the U.S.
  3. IMG Patriot International includes secondary health coverage, medical evacuation and political evacuation.
  4. The IMG Patriot International plan is $1,000 deductible for $100,000 maximum coverage per student and $2,500 deductible for $100,000 maximum coverage for faculty. Each person will receive an IMG card and statement giving details of group #, amount of coverage, etc.

Cost

The cost for this added coverage is $40.00. This replaces the Medex insurance charge which was previously included in the budget.

This expense will be included in the program budget and overall cost.

Registering for IMG

As soon as the interim abroad roster of students is complete, instructors should submit an application form listing first and last names, date of birth, passport number, nationality, date of departure, and date of return to the off-campus programs department. Please note that students who add additional time for travel beyond the group date of return will need to secure their own additional coverage with IMG (if they want additional coverage) for that time period and be billed personally. Once you have completed the form, please submit to the off campus programs office.

Filing a claim

IMG Patriot International is a “secondary” coverage. Steps for filing a claim:

  1. Should medical care be necessary, please give the hospital, or care center, the primary insurance information AND IMG Patriot information. If the hospital is willing to bill the insurance company, that is the easiest method. However, some hospitals require payment and then reimbursement. If the following medical care is necessary, please contact IMG before care is given:
    • Inpatient care
    • Surgery
    • Home nursing care or extended care
    • CT Scan
    • Wheelchair use, etc.
  2. Make sure copies are saved of all medical bills.
  3. If student needs help filing insurance claims with KnightCare, please make sure they seek help from the health services.
  4. If primary insurance carrier does not cover all expenses and sends notice of this, please submit this notice along with copies of bills not covered by primary insurance to IMG. Download a claim form.

Questions concerning insurance coverage: Please contact Jane Prins in financial services (526-6131) or Evelyn Kloostra in off-campus programs (526-8932).

Cost

The cost for this added coverage is $120.00. This replaces the Medex insurance charge which was previously included in the budget.

This expense will be included in the program budget and overall cost.

Registering for IMG

As soon as the interim abroad roster of students is complete, instructors should submit an application form listing first and last names, date of birth, passport number, nationality, date of departure, and date of return to the off-campus programs department. Please note that students who add additional time for travel beyond the group date of return will need to secure their own additional coverage with IMG (if they want additional coverage) for that time period and be billed personally. Once you have completed the form, please submit to the off campus programs office.

Filing a claim

IMG Patriot International is a “secondary” coverage. Steps for filing a claim:

  1. Should medical care be necessary, please give the hospital, or care center, the primary insurance information AND IMG Patriot information. If the hospital is willing to bill the insurance company, that is the easiest method. However, some hospitals require payment and then reimbursement. If the following medical care is necessary, please contact IMG before care is given:
    • Inpatient care
    • Surgery
    • Home nursing care or extended care
    • CT Scan
    • Wheelchair use, etc.
  2. Make sure copies are saved of all medical bills.
  3. If student needs help filing insurance claims with KnightCare, please make sure they seek help from the health services.
  4. If primary insurance carrier does not cover all expenses and sends notice of this, please submit this notice along with copies of bills not covered by primary insurance to IMG. Download a claim form.

Questions concerning insurance coverage: Please contact Jane Prins in financial services (526-6131) or Evelyn Kloostra in off-campus programs (526-8932).