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International Travel Insurance > HCC Medical Insurance Services > Multi-Trip Travel Coverage

Atlas International and America

Atlas Professional Annual Multi-Trip Plan


Schedule of Benefits and Limits
Overall Maximum Limit per Certificate Period $1,000,000.
Deductible: $250 per person, per trip.
Coinsurance - Claims incurred in US or Canada: For each trip, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
Coinsurance - Claims incurred outside US or Canada: For each trip, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
Hospital Room and Board: Average Semi-private room rate, including nursing services.
Local Ambulance: Usual, Reasonable and Customary charges when Covered Illness or Injury results in hospitalization.
Hospital Indemnity $100 per day (not subject to Deductible or Coinsurance.) This benefit is in addition to all other medical benefits provided.
Intensive Care Unit: Usual, Reasonable and Customary charges.
Outpatient Treatment: Usual, Reasonable and Customary charges
Acute Onset of Pre-existing Condition: $5,000 per Certificate Period for Eligible Medical Expenses
$25,000 per Certificate Period for Emergency Medical Evacuation
Emergency Dental: Accident - Overall Maximum Limit
Acute Onset of Pain - $100 limit per Certificate Period
Emergency Evacuation: $500,000 Maximum Lifetime Limit
Emergency Reunion: $15,000 limit per Certificate Period
Return of Minor Children $5,000 limit per Certificate Period
Accidental Death and Dismemberment: Death - $25,000 adult, $5,000 children under age 18;
Loss of 2 Limbs - $25,000 adult, $5,000 children under age 18;
Loss of 1 Limb - $12,500 adult, $2,500 children under age 18;
$250,000 Maximum per family
Common Carrier Accidental Death: $50,000 per adult, $25,000 children under age 18; $250,000 Maximum per family (No Benefit for loss resulting from Hijacking)
Trip Interruption: $5,000 limit per Certificate Period
Lost Checked Luggage: $250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Hospital Pre-Certification Penalty: 50% of Eligible Medical Expenses.
Optional Hazardous Sports Rider: Overall Maximum Limit
Terrorism: $50,000 Maximum Lifetime Limit, Medical Expenses only
Benefit Period Medical Coverage

If you started a Benefit Period while this insurance was in effect, you are covered for Medical expenses only for the duration of the Benefit Period, regardless of whether you are at home or abroad. Your Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days.

Am I Eligible for the Atlas Professional?

If you are under age 66 and you maintain medical insurance that covers you while you are in your Home Country, you are eligible for Atlas Professional. Your Spouse under age 66 and dependent children who are at least 14 days up through age 18 may also be covered, provided they too maintain medical insurance that covers them while they are in their Home Country. The Overall Maximum Limit is $1,000,000 per person.

Home Country Coverage

If you started a Benefit Period during a covered trip, you are covered for Medical expenses only for the duration of the Benefit Period regardless of whether you are at home or abroad. Your Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days.

 

 

 

 

 

 

 

 

 

 

 

 

 
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