Atlas Premium America

Tokio Marine HCC

Atlas Premium America provides great Comprehensive medical benefits for people, ages 14 days to 80 years old, traveling outside their home country. This outstanding policy will provide immense peace of mind while you’re away from home. For those under age 70, opt for as much as $2,000,000 in Overall Maximum coverage. Travelers aged 70 to 79 years may choose as much as $250,000 in Overall Maximum coverage, while those 80 years old plus receive a generous $20,000 Overall Maximum.

Atlas Premium makes things easy by providing a set benefit amount for all inpatient and outpatient medical costs. This straightforward international plan is simple: Atlas Premium pays 100% of the scheduled benefit amount after meeting your deductible ($0, $100, $250, $500, $1,000, $2,500, or $5,000). Atlas Premium eliminates any confusion or guessing so you can get on with enjoying your journey.

General

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

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)
Physician Visits
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment (Outpatient)
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)
Pre-Existing Conditions
Acute Onset of Pre-existing Condition for under age 80 (excl chronic and congenital conditions) | Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower
Maternity
No Coverage
Routine physical examination
No Coverage
Physical Therapy
$50 maximum per day. Must be ordered in advance by a physician.
Ambulance
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Emergency Room
Up to maximum limit. $200 co-payment if not admitted to the hospital
Hospital Indemnity
$100 per day of inpatient hospitalization - not subject to deductible or coinsurance
Dental Benefits

Unexpected pain to sound natural teeth
$250 limit per certificate period (acute onset of pain)
Accident related Emergency
Life Insurance

Accidental Death & Dismemberment
$250,000 maximum benefit per one family or group
Common Carrier Accidental Death
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
Other Travel Benefits

Emergency Medical Evacuation
$1,000,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial
Repatriation of Remains - Overall maximum limit | Local Burial or Cremation - Up to $5,000 lifetime maximum (not subject to deductible or coinsurance)
Emergency Reunion
Up to $150,000, subject to a maximum of 15 days. Not subject to deductible or coinsurance.
Return of Minor Children
$50,000 per certificate period (not subject to deductible or coinsurance).
Trip Interruption
Up to $15,000. Not subject to deductible or coinsurance.
Loss Luggage
Up to $1,000. Not subject to deductible or coinsurance.
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only.
Coverage Information
Plan Type
Comprehensive
Acute Onset
Yes
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.