| Atlas Travel Medical Insurance Benefits |
| Medical maximum option |
Age 80 or older - $10K; Age 65 to 79 - $50K, $100K; All others - $50K, $100K, $250K, $500K, $1M, or $2M. |
Age 80 or older - $20K; Age 65 to 79 - $50K, $100K; All others - $50K, $100K, $250K, $500K, $1M or $2M. |
Age 80 or older - $10K; Age 65 to 79 - $50K, $100K; All others - $50K, $100K, $250K, $500K, or $1M. |
| Coinsurance |
The plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
The plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
Within the PPO : We will pay 75% of eligible expenses after the deductible to the overall maximum limit
Outside the PPO : Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount. |
| Deductible Options |
$0, $100, $250, $500, $1K, $2.5K or $5K |
$0, $100, $250, $500, $1K, $2.5K, or $5K |
$0, $100, $250, $500, $1K, $2.5K or $5K |
| Renewability |
Up to 364 days |
Up to 364 days |
Up to 364 days |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate, including nursing services |
Average semi-private room rate, including nursing services |
Average semi-private room rate, including nursing services |
| Intensive care unit |
Up to the overall maximum limit |
Up to the overall maximum limit |
Up to the overall maximum limit |
| Hospital indemnity |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
$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. |
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. |
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. |
| Outpatient physical therapy and chiropractic care |
Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance). |
Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance). |
Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).> |
| Emergency Services |
| Emergency local ambulance |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
| 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) |
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) |
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) |
| Dental |
| Emergency dental treatment |
Up to $300 (not subject to deductible or coinsurance) |
Up to $300 (not subject to deductible or coinsurance) |
Up to $300 (not subject to deductible or coinsurance) |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Under 80 years of age,covers up to overall maximum limit. covers up to $25K lifetime maximum (excludes chronic and congenital conditions) |
Under 80 years of age,covers up to overall maximum limit. covers up to $25K lifetime maximum (excludes chronic and congenital conditions)
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Not Covered |
| 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 |
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 |
Not Covered |
| 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. |
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 groupe |
Not Covered |
| Evacuation |
| Emergency medical evacuation |
$1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
Up to $1M lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition.
Not subject to deductible or overall maximum limit |
Up to $500K lifetime maximum, not subject to deductible or coinsurance. |
| Emergency reunion |
Up to $100K, maximum of 15 days (not subject to deductible or coinsurance) |
Up to $150K, subject to a maximum of 15 days (not subject to deductible) |
Not Covered |
| 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. |
Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
Up to $25K lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit. |
| Return of minor children |
Up to $50K (not subject to deductible or coinsurance). |
Up to $50K (not subject to deductible or coinsurance). |
Not Available |
| Political evacuation and repatriation |
Up to $100K lifetime maximum (not subject to deductible or coinsurance). |
Up to $150K lifetime maximum. (not subject to deductible or coinsurance). |
Not Available |
| Natural disaster evacuation |
Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
Up to $500 a day for 5 days (not subject to deductible or coinsurance). |
Not Available |
| Trip interruption |
Up to $10K (not subject to deductible or coinsurance) |
Up to $15K (not subject to deductible or coinsurance) |
Not Available |
| Trip Delay |
Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance) |
Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance) |
Not Available |
| Terrorism |
Up to $50K lifetime maximum for eligible medical expenses only. |
Up to $50K lifetime maximum, eligible medical expenses only. |
Up to $50K lifetime maximum for eligible medical expenses only. |
| Optional Personal Liability Rider |
Up to $75K lifetime maximum - not subject to deductible or overall maximum limit. |
Not Available |
Not Available |
| Unique Advantages |
- Atlas America Insurance is designed for travelers on H1B/H4 visa holders or students on OPT status.
- Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
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- Atlas Premium provides coverage with higher benefit limits.
- It is ideal for shorter trip or you are seeking more extensive coverage as you travel abroad.
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- Atlas Essential Insurance is best for travelers with less premium insurance.
- Atlas Essential offers less benefits.
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| Travel Insurance |
| Underwriter |
Lloyds, London |
Lloyds, London |
Lloyds, London |
| Rating |
A++ (Superior)
Standard & Poor’s Rating: AA- |
A++ (Superior)
Standard & Poor’s Rating: AA- |
A++ (Superior)
Standard & Poor’s Rating: AA- |
| Brochure and Details |
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