AA

Atlas America

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

Atlas America insurance is a visitor insurance plan that provides medical coverage and emergency services to Non-US citizens travelling outside their home country, including the USA. This plan also offers limited coverage for acute onset of pre-existing conditions for visitors. While in US, after the deductible is satisfied, within the PPO network,, the plan pays 100% up to policy maximum for covered expense. Outside PPO network, it covers up to the URC.
Outside the USA, the plan pays 100% after deductible. There is no PPO outside the USA.

Exceptional Features:


  • 100% coverage within PPO Network.
  • Urgent care & walk-in clinic visit co-pay $15. Deductible waived. Urgent care co-pay waived if $0 deductible is chosen in application.
  • From $50,000 to $2,000,000 for acute on-set of pre-existing conditions coverage for Age under 70.
  • Acute onset of pre-existing condition coverage up to $100,000 for age 70-79.

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

Here is a complete list of benefits of Atlas America
Dr. / Physician Visit
In-Network: 100% covered after deductible
Out of Network: Plan pays up to URC. Any amount above the URC is the insured person's responsibility.
Urgent Care
$15 co-pay (deductible waived) for urgent care and walk-in clinics only applicable to claims incurred inside the US. Co-pay waived if $0 is chosen for policy.
Surgical Treatment
In-Network: 100% covered after deductible
Out of Network: Plan pays up to URC. Any amount above the URC is the insured person's responsibility.
Prescription Drugs / Medicines
Up to URC for covered prescription medication
Lab & X-rays
In-Network: 100% covered after deductible.
Out of Network: Plan pays up to URC. Any amount above the URC is the insured person's responsibility.
Physical Therapy
(Physical Therapy or Chiropractic Care) $50 per visit. Coinsurance is waived.
Hospital Room
In-Network: 100% covered after deductible
Out of Network: Plan pays up to URC. Any amount above the URC is the insured person's responsibility.
Surgical Treatment
In-Network: 100% covered after deductible
Out-of-Network: Plan pays up to URC. Any amount above the URC is the insured person's responsibility.
Hospital Intensive Care Unit
In-Network: 100% covered after deductible
Out-of-Network: Plan pays up to URC. Any amount above the URC is the insured person's responsibility.
Ambulance Expenses
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Emergency Room(ER)
In-Network: 100% covered after deductible
Out-of-Network: Plan pays up to URC. Any amount above the URC is the insured person's responsibility.
Acute, spontaneous and unexpected pain
Up to $250
Accidental emergency
In-Network: 100% covered after deductible
Out-of-Network: Plan pays up to URC. Any amount above the URC is the insured person's responsibility.
Emergency Medical Evacuation / Repatriation
Up to $1,000,000 maximum lifetime 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
$10,000 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
Up to Age 69: Up to $50,000
Age 70-74: Up to $12,500
Age 75 and older: Up to $ 6,250
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 details)
Common Carrier Accidental Death
Up to 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 $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 acute onset of a pre-existing condition up to the selected medical maximum (excludes chronic and congenital conditions). And for Emergency Medical Evacuation coverage is up to $25,000.
For ages 70-79, up to $100,000 in acute onset of pre-existing conditions coverage.
An acute onset of a re-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
Plan features listed here are 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 Benefits, 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.