| Insurance Providers |
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| Coinsurance |
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
Not Available |
| Length of Coverage |
Minimum : 5 days
Maximum : 364 days |
5 days to 365 days |
| Renewability |
Yes : Up to 364 days |
Yes : 5 days to 364 days |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate, including nursing services. |
Economy: Up to $1,400/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
Diamond: $1.5K per day to a maximum of 30 days
Diamond Plus: $1.5K per day to a maximum of 30 days
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| 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
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| Hospital indemnity |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
Not Available |
| Urgent Care Clinic |
Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
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
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| 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
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| Hospital emergency room |
Outside the U.S: No co-payment.
Inside 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) |
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
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| Dental |
| Emergency dental treatment |
Up to $300 (not subject to deductible or coinsurance). |
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
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| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Covers up to overall maximum limit, under age 80.Up to $25K lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions) |
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
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| Life |
| AD&D |
Members under age 18: Up to $5K lifetime maximum.
Members age 18-69: Up to $25K lifetime maximum.
Members age 70-74: Up to $12.5K lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250K maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25K |
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
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| Common carrier AD&D |
Up to $50K for ages 18 through 69
Up to $10K under age 18
Up to $25K for ages 70 through 74
Up to $12.5K for ages 75 and older
Maximum of $250K for any one family or group. |
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
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| Evacuation |
| Emergency medical evacuation |
$1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
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
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| Emergency reunion |
Up to $100K, maximum of 15 days (not subject to deductible or coinsurance) |
Not Available |
| Return of mortal remains or cremation/burial |
Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
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
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| Return of minor children |
Up to $50K (not subject to deductible or coinsurance). |
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
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| Political evacuation and repatriation |
Up to $100K lifetime maximum (not subject to deductible or coinsurance). |
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
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| Natural disaster evacuation |
Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
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
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| Trip interruption |
Up to $10K (not subject to deductible or coinsurance). |
Not Available |
| Terrorism |
Up to $50K lifetime maximum for eligible medical expenses only. |
Not Available |
| Unique Advantages |
- The Atlas Premium plan is ideal for shorter trips or individuals looking for extensive coverage travelling overseas.
- It is also best suited for family who need first-class coverage for children and the parents.
- Atlas Premium travel insurance provides exceptional, quality coverage for travelers interested in the best travel medical insurance with high benefit limits.
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- It is a fixed benefit plan.
- Acute onset of pre existing condition is covered up to 89 years.
- Good provider network.
- This elite plan has a $0 deductible.
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| Travel Insurance |
| Underwriter |
Underwritten by Lloyds, London |
Underwritten by Crum & Forster, SPC |
| Rating |
AM Best Rating: A++ (Superior) Standard & Poor's Rating: AA- |
AM Best Rating: “A (Excellent)” |
| Brochure and Details |
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