IndiaNetwork Premier vs Patriot America Plus
IndiaNetwork Premier and Patriot America Plus are both comprehensive options aimed at a similar profile — visiting parents in the 0–99 age band. The differences are narrower than the brochures suggest, and they show up in places most buyers don't look. Here's how each line of the policy actually plays out.
IndiaNetwork Premier edges out on avg claim settlement, taking 1 weighted points to Patriot America Plus's 0. Patriot America Plus still has the upper hand on a couple of secondary lines, so it stays the right call when those matter more than the headline coverage.
Side-by-side: who wins what
| Feature | IndiaNetwork Premier | Patriot America Plus | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Very large | |
| Typical premium band | ~$215 | ~$215 | |
| Avg claim settlement | 23 days | 30 days | IndiaNetwork Premier |
| Age eligibility | 0-99 | 0-99 | |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- Both IndiaNetwork Premier and Patriot America Plus settle directly with US hospitals — no $50k credit card hold at admission.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- Both IndiaNetwork and IMG keep a round-the-clock claims line, not just business hours.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
Premium higher than mainstream picks; verify direct-billing in your destination city.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
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Treat this page as a decision aid, not insurance advice. We have no commercial relationship with IndiaNetwork or IMG; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.