Atlas America

Tokio Marine HCC

International travel can represent financial risk. The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. An Atlas Travel medical insurance plan can be the difference between a trip ruined by unexpected illness or injury and a trip with access to quality care and financial help if the unexpected strikes.

General

Coinsurance
Within the PPO: Pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Inpatient

Hospital Room and Board
Average semi-private room rate, including nursing services
Surgical Treatment
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Intensive Care
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Outpatient

Physician Visits
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Urgent Care
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Prescription Medication
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Diagnostic Procedures
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Dental

Acute, Unexpected
$250 limit per certificate period
Accidental Emergency
Life

Accidental Death & Dismemberment
$250,000 maximum benefit per one family or group
Common Carrier AD&D
Ages 18 through 69: $50,000 /Under age 18: $25,000/Ages 70 through 74: $12,500 /Ages 75 and other: $6,250 subject to a maximum of $250,000 any one family or group
Emergency Services

Ambulance Expenses
Up to maximum limit (Subject to coinsurance & deductible)
Emergency Room
Up to maximum limit. $200 co-payment if not admitted to the hospital.
Travel

Emergency Medical Evacuation
$1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
Return of Mortal Remains or Cremation/Burial
Overall maximum limit (not subject to deductible or coinsurance)/$5,000 lifetime maximum
Emergency Reunion
$50,000, subject to a maximum of 15 days
Return of Minor Children
$50,000 per certificate period (not subject to deductible or coinsurance).
Trip Interruption
Up to $5,000
Loss Luggage
$500 limit per certificate period
Other Services

Pre-Existing Conditions
Acute Onset of Pre-existing Condition. Upto maximum limit. (Only for Age below 70) $25,000 lifetime maximum for Emergency Medical Evacuation
Maternity
No Coverage
Routine physical checkup
No Coverage
Terrorism Coverage
$50,000 maximum lifetime limit, eligible medical expenses only.
Physical Therapy
$50 maximum per day. Must be ordered in advance by a physician.
Hospital Indemnity

Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Plan Type
Comprehensive
Acute Onset
Yes
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
Yes