When Does Coverage Become Effective and When Does It End?
Your coverage becomes effective on the latest of: the date we receive
your Application and correct premium, the moment you depart from your
Home Country or the date you request on your Application. Your coverage
will end on the earliest of: the end of the period for which you have
paid a premium, the date requested on your Application, or the moment
of your arrival upon return to your Home Country (unless you have started
a Benefit Period or are eligible for Home Country Coverage under the Atlas
Extra plan).
Does The Atlas Series Provide Any Home Country Coverage?
Yes. Under certain circumstances, the Atlas Series will provide limited
Home Country Coverage. If you purchase the Atlas Series for at least 3
months, and you purchase the Incidental Home Country Rider, you are covered
for medical expenses only during one Incidental trip to your Home Country
of up to 10 days. If you have started a Benefit Period while your insurance
under the Atlas Series 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 date of a covered
Illness or Injury, and lasts for 180 days. If you have purchased Atlas
Extra and have maintained coverage for at least 6 months, the plan provides
Home Country Coverage for up to 30 days if the insurance is maintained
and premiums are paid.
How is "Home Country" Defined?
If you are a US citizen, your Home Country is the United States, regardless
of the location of your Principal Residence. If you are not a US citizen,
your Home Country is the country where you principally reside and receive
regular mail.
Which Plan Should I Purchase?
If you are a US citizen traveling abroad for 6 months or less, you should
purchase Atlas International. If you are a non-US citizen traveling outside
your Home Country for 6 months or less, you should purchase Atlas America.
Regardless of your citizenship, if you are planning on traveling for 6
months or more, you should purchase Atlas Extra.
What is Covered?
All benefits, except Lost Checked Luggage, Accidental Death & Dismemberment
and Common Carrier Accidental Death, are subject to the Deductible and
Coinsurance. Policy Limits apply to all benefits:
Medical :
- Inpatient and Outpatient charges made by a Hospital.
- Charges made by a Physician, surgeon, radiologist, anesthesiologist,
and any other medical specialist to whom the Physician has referred
the case.
- Charges made for dressings, sutures, casts or other supplies prescribed
by the attending Physician or specialist.
- Charges for diagnostic testing using radiology, ultrasonographic or
laboratory services.
- Charges for oxygen and other gases and anesthetics and their administration.
Charges for prescription drugs, for treatment of a covered Injury or
Illness, but not for the replacement of lost, stolen, damaged, expired
or otherwise compromised drugs.
- Charges for prescription drugs, for treatment of a covered Injury
or Illness, but not for the replacement of lost, stolen, damaged, expired
or otherwise compromised drugs.
- Charges made by a licensed Extended Care Facility upon direct transfer
from an acute care Hospital.
- Emergency local ambulance transport incurred in connection with Injury
or Illness resulting in hospitalization.
Emergency Dental :
- Emergency Dental treatment and Dental surgery necessary to restore
or replace sound natural teeth lost or damaged in an Accident which
is covered under this insurance.
- Emergency Dental treatment necessary to resolve acute, spontaneous
and unexpected onset of pain.
Emergency Evacuation :
If recommended by your attending Physician, who certifies that Evacuation
is necessary to safeguard your life and that Medically Necessary treatment
is not available locally, and if approved in advance and coordinated by
MultiNational Underwriters, Inc., the Atlas Series will provide the following
benefits: emergency air and ground transportation to the nearest Hospital
that is qualified to provide the Medically Necessary treatment.
Emergency Reunion :
In the event of a covered Emergency Evacuation, the Atlas Series will
provide the following benefits: The cost of an economy round trip air
or ground transportation ticket for one of your relatives (parent, spouse,
sibling or child age 18 or older) for transportation to the area where
you are hospitalized following Emergency Evacuation, and reasonable expenses
for lodging and meals for your relative, for a period not to exceed 10
days.
Trip Interruption :
- If, after you have departed, you learn of the death of a parent, spouse,
sibling or child, or you learn of the substantial destruction of your
Principal Residence by fire or weather, the Atlas Series will provide
the following benefit: the cost of an economy one way air or ground
transportation ticket for you to the area of your Principal Residence;
or
- Following a covered Emergency Evacuation, the attending Physician
states that it is Medically Necessary for your return to your Home Country
or to the area Home Country or to the area from which you were initially
evacuated for continued treatment, recuperation and recovery, the Atlas
Series will provide the following benefits: The cost of a one way economy
air and/or ground transportation from the area where you were hospitalized
following the Emergency Evacuation, to the area where you were initially
evacuated from, or to the terminal serving the area of your Principal
Residence.
Repatriation of Remains :
In event of a covered Injury or Illness resulting in your death, the Atlas
Series will provide the following benefit: air and/or ground transportation
of bodily remains or ashes to the area of your Principal Residence, and
reasonable costs of preparation of your remains necessary for transportation.
Lost Checked Luggage :
In the event your checked luggage is permanently lost by the carrier,
the Atlas Plan will provide the following benefit: Up to $250 for replacement
of clothes and personal hygiene items, not to exceed $50 for any one item.
You must file a formal claim with the transportation provider, and provide
the Plan Administrator with copies of all claim forms, and proof that
the transportation provider has paid you its normal reimbursement for
the lost checked luggage.
Accidental Death and Dismemberments :
In the event of your Accidental Death (except while traveling on a common
carrier) or Dismemberment resulting from a covered Injury, the Atlas Series
will provide the following benefit:
- Accidental Death - Principal Sum of $25,000 to the Beneficiary designated
on your Application. The Principal Sum shall reduce by 50% (to $12,500)
if you are age 70 to 74 at time of Death, and an additional 50% (to
$6,250) if you are age 75 or older at time of Death.
- Accidental Dismemberment
| a. |
Loss of 2 or more eyes or limbs - Principal Sum of $25,000 to
you. |
| b. |
Loss of 1 eye or limb - One-half of the Principal Sum ($12,500)
to you. |
| c. |
The Principal Sum(s) shall reduce by 50% if you are age 70 to
74 at time of Dismemberment, and an additional 50% if you are age
75 or older at time of Dismemberment. |
- The Accidental Death Dismemberment benefit is deleted during participation
in a hazardous sport.
Common Carrier Accidental Death :
In the event of your accidental death while traveling on board a commercial
common carrier, the Atlas Series will provide the following benefit: Principal
Sum of $50,000 to the Beneficiary designated on your Application.
Return of Minor Child(ren) :
If you are the only person age 18 or older, traveling with one or more
Minor Children under the age of 18, who are also covered by the Atlas
Series, and you are Hospitalized for treatment of a covered Illness or
Injury, resulting in the child(ren) being left unattended for a period
of time expected to exceed 36 hours, the Atlas Series will provide the
following benefit: The cost of a one way economy air and/or ground transportation
ticket for each covered Minor Child to the terminal serving the area of
Principal Residence of each covered Minor Child.
Atlas Travel Assistance Services :
The following Travel Assistance Services are available to you 24 hours
a day, 7 days a week while your Atlas plan is in effect.
Pre-Trip Health and Safety Advisories (available after your purchase
of the Atlas Series, and before your departure) – call us for current
passport, visa, inoculation and vaccine requirements, as well as up-to-date
travel safety advisories.
Livetravel Services – we will make emergency travel and itinerary
changes for you including rebooking flights, hotel reservations and ground
transportation arrangements.
BagTrak – we are the industry leaders in tracking lost baggage.
We will help you locate your lost baggage, and deliver it to you anywhere
in the world.
Emergency Message Relay – we will relay messages to your family,
friends and co-workers, helping you to maintain contact during an emergency.
Emergency Cash Transfers – we will assist you in arranging
and obtaining cash transfers anywhere in the world.
Other important Atlas Travel Assistance Services include:
- Medical referrals
- Up-to-the-minute travel medical advisories
- Assistance with prescription drug replacement
- Dispatch of a doctor or specialist
- Emergency travel arrangements for family members
- Lost passport or travel documents assistance
- Embassy and consulate referrals
- Legal and accounting referrals
- Bail bond assistance
- Translation and interpretation assistance
Atlas Travel Assistance Services are not insurance benefits and provision
of any Atlas Travel Assistance Services is not a guarantee of any other
benefit under the Atlas Series.
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