Global Medical Coverage

Under the Patriot plans, you may elect to purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Optional Riders

Extreme Sports Rider

The Extreme Sports Rider is available on both Patriot plans for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below: abseiling, aviation, BMX, bobsleigh, bungee jumping, canyoning, caving,flying (private plane), hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, paragliding, parascending, rappelling, rock climbing (ropes and guides to 4500m from ground level), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wind-surfing. These extreme activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Age	Lifetime Maximum

0-49	$50,000
50-59	$30,000
60-64	$15,000

Patriot Return Rider

The Patriot Return Rider is only available to non-U.S. citizens who have purchased Patriot America. When purchased at the time of application, Patriot Return provides temporary medical coverage for non-U.S. citizens returning to their home country.

Personal Liability Rider

Provides limited protection where Insured is responsible for Injury or personal property damage to a Third Party during coverage period. For injury to a third party, there is a $2,000 limit after a $100 deductible. For damage to third person property, there is a $500 limit after $100 deductible.

Enhanced AD&D Rider

This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.