| Insurance Providers |
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| Coinsurance |
In Network: The plan pays 75% of the cost for eligible expenses
Out Network: The plan pays 60% in addition to the deductible. |
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
| Length of Coverage |
90 days up to 12 months. |
Minimum : 5 days
Maximum : 364 days |
| Renewability |
Yes |
364 Days |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate, including nursing services |
Average semi-private room rate, including nursing services |
| Intensive care unit |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
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Up to the overall maximum limit. |
| Urgent Care Clinic |
In Network: $25 copay, 100% up to Policy Maximum
Out Network: $50 copay, 100% up to Policy Maximum
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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. |
| Emergency Services |
| Emergency local ambulance |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
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Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
| Hospital emergency room |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
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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(Unexpected pain or treatment due to an accident) |
Up to $300 (not subject to deductible or coinsurance) |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
In Network: Maximum limit through age 69: $25K
Out Network: Maximum limit ages 70 and older: $20K
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Covers up to overall maximum limit, under age 80.Up to $25K lifetime maximum for Emergency Medical Evacuation. |
| Life |
| Accidental death & dismemberment |
$25K principal sum, Not subject to deductible |
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 |
| Evacuation |
| Emergency medical evacuation |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
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$1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Emergency reunion |
$100K maximum limit. Not subject to deductible |
Up to $100K, maximum of 15 days (not subject to deductible or coinsurance) |
| Return of mortal remains or cremation/burial |
$25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial |
Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
| Local Burial or Cremation |
Up to $5K lifetime maximum |
Up to $5k lifetime maximum |
| Return of minor children |
$100K maximum limit. Not subject to deductible |
Up to $50K (not subject to deductible or coinsurance). |
| Natural disaster evacuation |
Not Available |
Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
| Unique Advantages |
- It is a comprehensive benefit insurance plan.
- The plan is available for individuals traveling outside their country.
- Limited pre-existing condition coverage.
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- It is a comprehensive plan.
- AAtlas Travel 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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| Travel Insurance |
| Underwriter |
SiriusPoint Specialty Insurance Corporation |
Lloyd's |
| Rating |
AM Rating : A- |
A++ (Superior) Standard & Poor’s Rating: AA- |
| Brochure and Details |
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