Atlas America - Visitors Insurance
Non-U.S. citizens traveling to the U.S. 5 days-364 days.
- VISITING FAMILY
- BUSINESS TRIPS
- EXTREME SPORTS TRIPS
The Atlas America plan is with you almost anywhere on the planet you may travel for vacations, studying abroad, corporate travel, mission trips and extreme sports adventures.
Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas America includes these essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.
Whatever your reason, international travel should be a pleasant experience. Complications and emergencies such as illness, injury, and natural disasters are a fact of life. While we hope none of these happen, we're here to help if they do. Atlas America helps protect you from potential financial disaster while traveling abroad with benefits including inpatient and outpatient medical expenses, $500,000 of coverage for emergency medical evacuation, coverage for lost checked baggage, and many other important benefits. Atlas Travel gives you the peace-of-mind you're looking for!
HCC Medical Insurance Services LLC (HCCMIS), headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance and short-term medical insurance products designed to meet needs of consumers worldwide. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC), a leading Specialty Insurance group. HCC holds a financial strength rating of AA (Very Strong) by Standard & Poor's and Fitch Ratings and A+ (Superior) by A.M. Best Company.
|Deductibles||$0, $100, $250, $500, $1,000 or $2,500 per certificate period|
|Coinsurance - Claims incurred in U.S. 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 will be waived if expenses are incurred within the PPO and expenses are submitted to underwriters for review and payment directly to the provider|
|Coinsurance - claims incurred outside U.S. 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 as inpatient|
|Intensive care unit||Usual, reasonable and customary charges|
|Emergency room co-payment||In addition to coinsurance, the member shall be responsible for a $200 co- payment for each use of emergency room for an Illness unless the member is admitted to the hospital. There will be no copayment for emergency room treatment of an injury|
|Urgent Care Center||For each visit, the member shall be responsible for a $50 co-payment, after which coinsurance will apply. Not subject to Deductible.|
|Hospital indemnity||$100 per day of inpatient hospitalization (not subject to deductible or coinsurance)|
|Physical therapy||$50 maximum per day|
|All other eligible medical expenses||Usual, reasonable and customary charges|
|Acute onset of pre-existing condition
(only available to members under age 70)
|$100,000 lifetime maximum for eligible medical expenses for
overall maximum limits of $100,000, $200,000, $500,000 or $1,000,000;
$25,000 lifetime maximum for emergency medical evacuation
|Emergency dental (acute onset of pain)||$250 limit per certificate period (not subject to deductible or coinsurance)|
|Emergency medical evacuation||$500,000 lifetime maximum, except as provided under acute onset of pre- existing condition (not subject to deductible or coinsurance)|
|Return of minor children||$50,000 per certificate period (not subject to deductible or coinsurance)|
|Repatriation 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)|
|Natural disaster||Maximum $100 a day for 5 days (not subject to deductible or coinsurance)|
|Trip interruption||$5,000 limit per certificate period (not subject to deductible or coinsurance)|
|Lost checked luggage||$250 limit per certificate period (not subject to deductible or coinsurance)|
|Political evacuation||$10,000 lifetime maximum (not subject to deductible or coinsurance)|
|Terrorism||$50,000 maximum lifetime limit, eligible medical expenses only|
|Accidental Death and Dismemberment
(excludes loss due to common carrier accident; $250,000 maxi- mum benefit per any one family or group)
|Not subject to deductible or coinsurance|
|Members up to age 18||Lifetime max. - $5,000; Death - $5,000; Loss of 2 limbs - $5,000; Loss of 1 limb - $2,500|
|Members age 18 through 69||Lifetime max. - $50,000; Death - $50,000; Loss of 2 limbs - $50,000; Loss of 1 limb - $25,000|
|Members age 70 through 74||Lifetime max. - $12,500; Death - $12,500; Loss of 2 limbs - $12,500; Loss of 1 limb - $6,250|
|Members age 75 and older||Lifetime max. - $6,250; Death - $6,250; Loss of 2 limbs - $6,250; Loss of 1 limb - $3,125|
|Common carrier accidental death
($250,000 maximum benefit per any one family or group)
|Not subject to deductible or coinsurance
Up to age 18 - $25,000 per member; Age 18 through 69 - $50,000 per member;
Age 70 to 74 - $12,500 per member; Age 75 and older - $6,250
|Hospital pre-certification penalty||50% of eligible medical expenses|
|Overall maximum limit per certificate period
||Age 80 or older - $10,000; Age 70 to 79 - $50,000, $100,000;
All others - $50,000, $100,000, $200,000, $500,000 or $1,000,000
Would you know what to do if you found yourself in a life- threatening situation far from home? Atlas America will cover the necessary expenses to transport you to the nearest medical facility qualifi ed to treat your life-threatening condition. We also understand the importance of family support in these difficult situations. Atlas Travel will also cover the transportation, lodging, and meal costs for a relative to join you after an emergency medical evacuation.
What would your family do if disaster strikes while you are away from home? The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, Atlas America will arrange for and cover the costs associated with the repatriation of your remains.
If you are expected to be hospitalized for more than 36 hours due to a covered injury or illness and covered children under 18 years of age will be left unattended as a result, Atlas America will cover the transportation cost for the children to return home.
In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, Atlas America offers coverage for medical expenses resulting from these acts.
If, during the coverage period and after your arrival, the United States government issues a travel warning for your destination country, Atlas America will coordinate your alternate departure arrangements from that country and cover the associated costs.
Natural disasters can happen anywhere and at anytime. If a natural disaster occurs on your trip, causing you to become displaced from your accommodations, Atlas America will provide relief of a maximum of $100 a day for 5 days to help cover the costs of alternative accommodations.
If you are under age 70, you are covered for an acute onset of a pre-existing condition. Coverage is available up to $100,000 lifetime maximum for eligible medical expenses for all policy maximums greater than $50,000. Individuals who have a $50,000 policy maximum are entitled to a $50,000 maximum benefit for the acute onset of a pre-existing condition. This also includes a $25,000 lifetime maximum for emergency medical evacuation. 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.
If a covered illness or injury requires hospitalization, the plan provides coverage for costs associated with hospitalization care, including intensive care, and outpatient treatment.
Atlas America includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - skiing, snowboarding, snorkeling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.
Atlas America offers coverage for complications of pregnancy during the fi rst 26 weeks of gestation.
*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by HCCMIS or its affi liates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.
Home Country Coverage
For U.S. Citizens, for every three month period during which the Member is covered hereunder, Medical Expenses incurred in the U.S. are covered up to a maximum of 15 days for any three month period. For Non-U.S. Citizens, for every three month period during which the Member is covered hereunder, Medical Expenses incurred in the member's home country are covered up to a maximum of 30 days for any three month period. Any benefit accrued under a single 3 month period does not accumulate to another period. Failure of the member to continue his or her international trip or the members return to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, underwriters will pay eligible medical expenses, as defined herein, for up to 90 days beginning on the fi rst day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.
To receive full benefits, pre-certifi cation is required for hospitalization, surgery, emergency medical and political evacuations, emergency reunions, trip interruptions, repatriation of remains, CAT Scans, and MRIs.
Pre-certification may be done by phone, e-mail, or through Client Zone. Please see the certificate for more details.Pre-certification does not guarantee benefits.
You may file a claim by submitting a claimant's statement and authorization form. This form may be found online. Complete the form, attach all itemized invoices and payment receipts, and send them to the address shown on the claimant's statement.
Patient Protection and Affordable Care Act ("PPACA"): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. In no event will Underwriters provide benefits in excess of those specifi ed in the policy documents, and this insurance is not subject to guaranteed issuance or renewal. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA's requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have suffi cient coverage to meet your medical needs.
Client Zone is an online account management and resource tool available to you to:
- Extend coverage and reprint ID cards
- Obtain details about claim filing and downloading forms
- Pre-certify for certain medical procedures and hospitalizations
- Locate providers within the PPO Network
- Study destination, weather and travel security information
You can access Client Zone by logging in at: http://www.insubuy.com/clients/
Atlas America includes valuable travel and medical assistance services, which are available to your employees 24 hours a day, 7 days a week. Contact us to access any of these services.
Up-to-date information regarding required vaccinations, health risks, travel restrictions, and weather conditions specifi c to the destination country.
Consultations with attending medical professionals during hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding medical status.
Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the destination country.
Assistance with obtaining replacement passports, birth certificates, visas, airline tickets, and other travel-related documents.
Tracking service to assist in locating luggage or other items lost in transit.
- Prescription Drug Replacement
- Emergency Travel Arrangements
- Dispatch of Physician
- Translation Assistance
- Credit Card / Traveler's Check Replacement
*For a complete list of available assistance services or for more information, please contact us. Travel and medical assistance services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.
For Non-U.S. citizens traveling to the U.S.
Rates shown in US dollars are effective 04/01/14 and subject to change.
Rates include Surplus Lines taxes and fees when applicable. One free
child up to age 10 allowed per each insured parent, with maximum 2 free
children per policy.
*$10,000 Maximum Limit for age 80 and over.
If for any reason you wish to cancel your policy, you must submit your
cancellation request in writing in
order to receive a refund or premium. To be eligible for a full refund,
the request for cancellation must be received prior to your effective
date. Cancellation requests received after the effective date will be
subject to the following conditions:
(1). a $25 cancellation fee will apply; and
(2). only the unused portion of the plan cost will be refunded; and
(3). only members who have no claims are eligible for premium refund.