AA

Atlas America

Underwriter: Lloyd's
Policy info
Plan Administrator: HCC MIS
Carrier: Lloyd's
AM Best Rating: A(Excellent)

Atlas America insurance is a visitor insurance plan that provides medical insurance coverage and emergency services to individuals and families traveling outside their home country. This plan also offers limited coverage for acute onset of pre-existing conditions for visitors. While in US, after the deductible is satisfied, the plan pays 80% for the first $5,000 and 100% thereafter , for covered expense. If In-Network providers directly bill the insurance company, then the co-insurance(20%) can be waived, and thus insurance pays 100% after the deductible.
Outside the USA, the plan pays 100% after deductible.

Exceptional Features:


  • 100% coverage within PPO Network if Direct billing.
  • Urgent Care visit co-pay $50 only, Deductible waived.
  • $50,000 up to $1,000,000 acute on-set of pre-existing conditions coverage for Age under 70.

Please review Atlas America Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

All coverage is based on usual, reasonable, and customary expenses. See plan brochure and description of coverage for detailed coverage.

Travel Medical Insurance policy for non US-Citizens, traveling internationally including USA.

Here is a complete list of benefits of Atlas America
Dr. / Physician Visit
80%covered for first $5,000
100% covered thereafter
Urgent Care
With $50 copay (Deductible waived) only applicable to claims incurred inside the US.
Surgical Treatment
80%covered for first $5,000
100% covered thereafter
Prescription Drugs / Medicines
80%covered for first $5,000
100% covered thereafter
(pay first then file claim)
Lab & X-rays
80%covered for first $5,000
100% covered thereafter
Physical Therapy
$50 per visit
Hospital Room
80%covered for first $5,000
100% covered thereafter
Surgical Treatment
80%covered for first $5,000
100% covered thereafter
Hospital Intensive Care Unit
80%covered for first $5,000
100% covered thereafter
Ambulance Expenses
80%covered for first $5,000
100% covered thereafter
Emergency Room(ER)
80%covered for first $5,000
100% covered thereafter.
($200 co-pay applicable, In addition to the deductible if not admitted as an inpatient. Only applicable to claims incurred inside the US.)
Acute, spontaneous and unexpected pain
Up to $250
Accidental emergency
80%covered for first $5,000
100% covered thereafter
Emergency Medical Evacuation / Repatriation
Up to 1 Million Maximum Life time Limit.
Return of Remains
Overall maximum limit (not subject to deductible or coinsurance)
Emergency Reunion
$50,000 limit per certificate period, subject to a maximum of 15 days (not subject to deductible or coinsurance)
Return of minor Child(ren)
$50,000 per certificate period (not subject to deductible or coinsurance)
Trip Interruption
$5,000 limit per certificate period (not subject to deductible or coinsurance)
Loss of checked Baggage
$500 limit per certificate period (not subject to deductible or coinsurance)
AD&D
Upto Age 69: Up to $50,000
Age 70-74: Up to $12,500
Age 75 and older: Up to $ 6250
Age under 18: Up to $5,000(Subject to a Maximum of $250,000 any one family or Group)

Optional Riders Available (see policy brochure for detail)
Common Carrier Accidental Death
Upto Age 69: Up to $50,000
Age 70-74: Up to $12,500
Age 75 and older: Up to $ 6250
Age under 18s: Up to $25,000
(Subject to a Maximum of $250,000 any one family or Group)
Pre-Existing Conditions

If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition up to the selected medical maximum (Excludes Chronic and Congenital condition). And for Emergency Medical Evacuation coverage is up to $25,000.

An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Local Burial or Cremation
$5,000 lifetime limit
Maternity
Not covered
Incidental Home Country Coverage
Non-US citizen permitted a maximum of 30 days per 3 month. Incidental home country coverage.
General Physical full Checkup
Not covered
Terrorism Coverage
Up to $50,000
24-Hrs Emergency Assistance
Yes. Contact Number and details can be found on the ID card.
Disclaimer
The comparison of insurance plans shown below is generic and high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benifits, Limitations, and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.