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Atlas Professional Benefit Schedule
Plan Overview | Benefits
| Benefit
Description | Exclusions
| Provider
Directory | Quote
& Apply
Schedule of Benefits and Limits
| Overall Maximum Limit
per Certificate Period |
$1,000,000. |
| Deductible: |
$250 per Certificate Period. |
| Coinsurance - Claims incurred in US or Canada:
|
For the Certificate Period,
Underwriters will pay 80% of the next $5,000 of Eligible Expenses after
the Deductible, then 100% to the Overall Maximum Limit. |
| Coinsurance - Claims incurred
outside US or Canada: |
For the Certificate Period,
Underwriters will pay 100% of Eligible Expenses after the Deductible up
to the Overall Maximum Limit. |
| Hospital Room and Board: |
Average Semi-private room rate,
including nursing services. |
| Local Ambulance: |
Usual, Reasonable and Customary
charges when Covered Illness or Injury results in hospitalization. |
| Hospital Indemnity |
$100 per day (not subject to
Deductible or Coinsurance.) |
| Intensive Care Unit: |
Usual, Reasonable and Customary
charges. |
| Outpatient Treatment: |
Usual, Reasonable and Customary
charges |
| Acute Onset of Pre-existing Condition: |
$15,000 per Certificate Period
for Eligible Medical Expenses
$25,000 per Certificate Period for Emergency Medical Evacuation (only available
to US Citizens) |
| Emergency Dental: |
Accident - Overall Maximum
Limit
Acute Onset of Pain - $100 limit per Certificate Period |
| Emergency Evacuation: |
Overall Maximum Limit |
| Emergency Reunion: |
$15,000 limit per Certificate
Period |
| Return of Minor Children |
$5,000 limit |
| Accidental Death and Dismemberment:
|
Death - $25,000 adult, $5,000
children under age 18;
Loss of 2 Limbs - $25,000 adult, $5,000 children under age 18;
Loss of 1 Limb - $12,500 adult, $2,500 children under age 18;
$250,000 Maximum per family |
| Common Carrier Accidental Death: |
$50,000 per adult, $25,000
children under age 18; $250,000 Maximum per family |
| Repatriation of Remains: |
Overall Maximum Limit |
| Natural Disaster Benefit: |
Up to $100 a day for 5 days
when Displaced from planned, paid accommodations due to evacuation from
forecasted disaster or following a disaster strike |
| Trip Interruption: |
$5,000 limit per Certificate
Period |
| Lost Checked Luggage: |
$250 limit per Certificate
Period (not subject to Deductible or Coinsurance) |
| Hospital Pre-Certification Penalty:
|
50% of Eligible Medical Expenses. |
| Optional Hazardous Sports Rider: |
Overall Maximum Limit |
| Terrorism: |
$50,000 Maximum Lifetime Limit, Medical
Expenses only |
Benefit Period Medical Coverage
If you started a Benefit Period while this insurance was in effect, you are
covered for Medical expenses only for the duration of the Benefit Period, regardless
of whether you are at home or abroad. Your Benefit Period begins on the first
date you receive a diagnosis or treatment of a covered Illness or Injury while
outside your Home Country and lasts for 180 days.
Am I Eligible for the Atlas Professional?
If you are under age 66 and you maintain medical insurance that covers you
while you are in your Home Country, you are eligible for Atlas Professional.
Your Spouse under age 66 and dependent children who are at least 14 days up
through age 18 may also be covered, provided they too maintain medical insurance
that covers them while they are in their Home Country. The Overall Maximum Limit
is $1,000,000 per person.
Home Country Coverage
If you started a Benefit Period during a covered trip, you are covered for
Medical expenses only for the duration of the Benefit Period regardless of whether
you are at home or abroad. Your Benefit Period begins on the first date you
receive a diagnosis or treatment of a covered Illness or Injury while outside
your Home Country and lasts for 180 days.
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Atlas