| Insurance Providers |
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|
| Coinsurance |
In PPO: Plan pays 75% of eligible expenses after the deductible to the overall maximum limit.
Out PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
|
Not Covered |
| Length of Coverage |
364 days |
5 days to 365 days |
| Renewability |
Yes |
Yes |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate, including nursing services |
Economy: Up to $1.4k/day, 30 day maximum
Basic: Up to $2k/day, 30 day maximum
Silver: Up to $2k/day, 30 day maximum
Gold: Up to $2k/day, 30 day maximum
Platinum: Up to $3k/day, 30 day max
|
| Intensive care unit |
Up to the overall maximum limit. |
Economy: Additional $2,100/ day, 10 day maximum
Basic: Additional $2.5K/ day, 8 day maximum
Silver: Additional $2.5K/ day, 8 day maximum
Gold: Additional $3K/ day, 8 day maximum
Platinum: Additional $4.5K/ day, 10 day maximum
Diamond: $2,300 per day to a maximum of 8 days
Diamond Plus: $2,300 per day to a maximum of 8 days
|
| Urgent Care Clinic |
Claims incurred in the U.S.: For each visit, the member shall be responsible for a $15 co-payment, after which coinsurance will apply (not subject to deductible). Co-payment waived if $0 deductible elected
Claims incurred outside the U.S.: No co-payment.
|
Economy: Limited to $55 per visit, one visit per dayand 30 visits per Policy Period
Basic: Limited to $75 per visit, one visit per day
and 30 visits per Policy Period
Silver: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Gold: Limited to $100 per visit, one visit per day and 30 visits per Policy Period
Platinum: Limited to $130 per visit, one visit per day and 30 visits per Policy Period
Diamond: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Diamond Plus: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
|
| Emergency Services |
| Emergency local ambulance |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
Economy: $500 per Inciden
Basic: $650 per Incident
Silver: $650 per Incident
Gold: $650 per Incident
Platinum: $750 per Incident
Diamond: $650 per Incident
Diamond Plus: $650 per Incident
|
| Hospital emergency room |
Claims incurred in the U.S.: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S.: No co-payment.
|
Economy: $350 per Incident
Basic: $500 per Incident
Silver: $500 per Incident
Gold: $600 per Incident
Platinum: $800 per Incident
Diamond: $500 per Incident
Diamond Plus: $500 per Incident
|
| Dental |
| Emergency dental treatment |
Not Available |
Economy: $600 per Inciden
Basic: $750 per Incident
Silver: $750 per Incident
Gold: $750 per Incident
Platinum: $750 per Incident
Diamond: $750 per Incident
Diamond Plus: $750 per Incident
|
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Not Available |
Economy: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Basic: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Silver: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Gold: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Platinum: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Diamond: For ages 70-79, up to $25K. For ages 80 and above, up to $15K /Coverage related to Cardiac Conditions or Stroke are limited to $15K
Diamond Plus: For ages 70-79, up to $25K. For ages 80 and above, up to $15K /Coverage related to Cardiac Conditions or Stroke are limited to $15,00
|
| Life |
| AD&D |
Not Available |
Economy: $5K Principal Sum
Basic: $5K Principal Sum
Silver: $7.5K Principal Sum
Gold: $7.5K Principal Sum
Platinum: $10K Principal Sum
Diamond: $5K Principal Sum
Diamond Plus: $5K Principal Sum
|
| Common carrier AD&D |
Not Available |
Economy: $25K Principal Sum
Basic: $25K Principal Sum
Silver: $35K Principal Sum
Gold: $35K Principal Sum
Platinum: $35K Principal Sum
Diamond: Not Available
Diamond Plus: Not Available
|
| Evacuation |
| Emergency medical evacuation |
$1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
The average semi private room rate |
| Emergency reunion |
Not Available |
Economy: $100K per Policy Period
Basic: $100K per Policy Period
Silver: $100K per Policy Period
Gold: Unlimited
Platinum: Unlimited
Diamond: $50K per Policy Period and $25K/Lifetime Maximum for Acute Onset over age of 80
Diamond Plus: $50K per Policy Period and $25K/Lifetime Maximum for Acute Onset over age of 80
|
| Return of mortal remains or cremation/burial |
Not Available |
Economy: $7.5K per Policy Period
Basic: $7.5K per Policy Period
Silver: $10K per Policy Period
Gold: $20K per Policy Period
Platinum: $25K per Policy Period
Diamond: $7.5K per Policy Period
Diamond Plus: $7.5K per Policy Period
|
| Return of minor children |
Not Available |
Economy: $2,100 per day to a maximum of 10 days
Basic: $2.5K per day to a maximum of 8 days
Silver: $2.5K per day to a maximum of 8 days
Gold: $2.5K per day to a maximum of 8 days
Platinum: $4.5K per day to a maximum of 8 days
Diamond: $2,300 per day to a maximum of 8 days
Diamond Plus: $2,300 per day to a maximum of 8 days
|
| Political evacuation and repatriation |
Not Available |
Economy: $500 per Policy Period
Basic: $500 per Policy Period
Silver: $500 per Policy Period
Gold: $500 per Policy Period
Platinum: $500 per Policy Period
Diamond: $500 per Policy Period
Diamond Plus: $500 per Policy Period
|
| Natural disaster evacuation |
Up to $10,000 maximum |
Economy: $5K per Policy Period
Basic: $5K per Policy Period
Silver: $7.5K per Policy Period
Gold: $7.5K per Policy Period
Platinum: $10K per Policy Period
Diamond: $5K per Policy Period
Diamond Plus: $5K per Policy Period
|
| Unique Advantages |
- It is a comprehensive plan.
- Atlas Essential is for budget-conscious travelers.
- Provides coverage for the basic necessities as you travel outside of your home country
|
- Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
- It is a comprehensive coverage plan.
- $20K coverage for 80+ travelers - best coverage.
|
| Travel Insurance |
| Underwriter |
Lloyd's |
Crum & Forster SPC |
| Rating |
A++ (Superior) Standard & Poor's Rating: AA- |
"A" (Excellent) |
| Brochure and Details |
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