Atlas group insurance offers short term group medical insurance coverage for missionaries, student groups, families, corporate groups and organizations. The group of travelers must comprise of atleast 5 members. 10% discount is available for groups of US citizens or non-US Citizens. It provides coverage for pre-existing condition for travelers in the group up to 70 years.
Acute onset of pre-existing condition coverage
Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions).
Covers $25,000 lifetime maximum for emergency medical evacuation.
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Emergency medical evacuation$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or coinsurance)
Accidental death & dismemberment
Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $50,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up : $25,000
Local ambulanceUsual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient
Trip interruptionUp to $10,000 – not subject to deductible
Lost checked luggageUp to $500 – not subject to deductible
Emergency dental (acute onset of pain)$250 limit per certificate period (not subject to deductible or coinsurance)
Common Carrier Accidental DeathMembers under age 18: Up to $25,000 lifetime maximum.
Members age 18-69: Up to $50,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Bedside VisitUp to $1,500. Not subject to deductible
Pet ReturnUp to $1,000. Not subject to deductible
Political EvacuationUp to $100,000 lifetime maximum. Not subject to deductible
Natural Disaster – Replacement AccommodationsUp to $250 a day for 5 days. Not subject to deductible
TerrorismUp to $50,000 lifetime maximum, eligible medical expenses only
Personal LiabilityUp to $10,000 lifetime maximum Up to $10,000 third person injury Up to $10,000 third person property Up to $2,500 related third person property Not subject to deductible or overall maximum limit.
Atlas Group Insurance - Provider network and how to find hospital or doctor?
Tokio Marine HCC maintains a wide network of health care providers. In US there are 2 options: First Health care network and United health care.
You need to check your insurance card to find any one of the below 2 logos:
If you are traveling within the U.S. and have First Health logo on your ID card then click here
If you are traveling within the U.S. and have United Healthcare logo on your ID card then click here
Outside US: Equian International Provider Network
If you are traveling outside the U.S. and have the Equian logo on your ID card, then click here Find Provider Network
Tokio Marine HCCMIS resourceful travel insurance links
