Savvy business executives know that time management is critical to success, whether you are a busy executive traveling for an important last-minute business meeting, a globe-troting journalist covering the latest story, or in international sales closing big deals on every continent, Atlas Professional from HCC Medical Insurance Services (HCCMIS) is with you almost anywhere on the planet you may go.

Whatever your reason, international business travel should be a productive experience. Complications and emergencies such as natural disasters, illnesses, and injuries are a fact of life. While we hope none of these happen, we’re here to help if they do. Atlas Professional, with benefits like coverage for inpatient and outpatient medical expenses, emergency medical evacuation, accidental death and dismemberment, and lost checked baggage, gives you the peace-of-mind you’re looking for!

Many times the primary medical insurance in your home country will not cover you or your employees while traveling abroad and often will not provide important services perhaps essential in the event of an illness or injury. Atlas Professional includes these essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.

Additionally, medical expenses can be very costly while abroad. Past clients have encountered over $90,000 from a heart attack. With Atlas Professional starting at $200 for the entire year, can you afford not to have coverage?

Security Matters! - Atlas Professional is underwritten by Syndicate 4141 at Lloyd’s, London. Lloyd’s provides accident and health insurance to more than 1,000,000 people in over 100 countries. Lloyd’s currently enjoys an A+ (Strong) rating from Standard & Poor’s and is highly qualified to protect you on your next international trip.

Your Time Matters! - Manage your account, renew coverage, file claims, locate healthcare providers, and more – all online – with Client Zone. Or call HCCMIS’s World Service Center from many countries around the world collect or toll-free.

So get out and succeed around the world with Atlas Professional from HCCMIS by your side. It’s health coverage to manage your peace of mind.

International Coverage

Emergency Medical Evacuation and Emergency Reunion - Would you know what to do if you found yourself in a life-threatening situation far from home? HCCMIS is experienced in arranging emergency medical evacuations. Atlas Professional will cover the necessary expenses to transport the member to the nearest medical facility qualified to treat the life-threatening condition. We also understand the importance of family support in these difficult situations. Atlas Professional will also cover the transportation, lodging and meal costs for a relative to join the member after an emergency medical evacuation.

Repatriation of Remains - 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 Professional will arrange for and cover the costs associated with the repatriation of your remains.

Hospital Indemnity - If you are hospitalized, the world around you does not stop. What’s more, in some places hospitals do not provide their patients basic necessities like meals, toothpaste or soap. If you are hospitalized as an inpatient for treatment of a covered illness or injury, Atlas Professional will provide $100 for each night spent in the hospital.

Trip Interruption - One of a traveler’s biggest worries is the safety of his or her home while away. If you learn that a catastrophic event like a tornado, hurricane or flood has caused severe damage to your home while traveling abroad, Atlas Professional will cover the cost of a one-way, economy class ticket to the airport nearest your home.

Home Country Coverage

Benefit Period Medical Coverage - A Benefit Period begins on the first day you receive medical attention for a covered illness or injury, either in the form of diagnosis or treatment, while you are outside of your home country, and it lasts 180 days. If your coverage terminates during a Benefit Period, Atlas Professional will continue to cover you for the duration of the Benefit Period for eligible medical expenses only that directly relate to the covered condition for which the Benefit Period began, whether you are abroad or in your home country.

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.

Other quality benefits offered by Atlas Professional:

Return of Minor Children - If you are is 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 Professional will cover the transportation cost for the children to return home.

Complications of Pregnancy - Atlas Professional offers coverage for Complications of Pregnancy during the first 26 weeks of gestation.

Political Evacuation: If, during the coverage period and after your arrival, the United States government issues a travel warning for your destination country, Atlas Professional will coordinate your alternate departure arrangements from that country and cover the associated costs.

Hospitalization & Outpatient Treatment: If a covered illness or injury requires hospitalization, the plan provides coverage for costs associated with hospitalization care, including intensive care, and outpatient treatment.

Natural Disaster Benefit: Natural disasters can happen anywhere and at anytime. If a natural disaster occurs while on your trip causing you to become displaced from your accommodations, Atlas Professional will provide relief of $100 a day to help cover the costs of alternative accommodations.

Acute Onset of Pre-Existing Conditions

Coverage is available up to $5,000 lifetime maximum for eligible medical expenses and up to $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.

Optional Sports Coverage

Available for extreme sports trips or the adventurous traveler. For an additional 20% premium, this Rider adds coverage for the Amateur sports listed in the exclusion section of this brochure.

If you plan to participate in sporting activities such as mountain climbing or whitewater rafting, you may consider our Sports Rider. This optional Rider will provide medical coverage for injuries resulting from participation in one of these activities otherwise excluded from coverage.

The maximum policy limit for Injuries under this Rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during participation in Sports Activities. Purchase of the Rider does not include coverage for sports participated in for wage, reward or profit.

Optional Terrorism Rider

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 Professional offers the optional Terrorism Rider, which provides medical coverage for injuries resulting from these acts.

The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:

• Charges resulting directly or indirectly from any pre-existing condition, except for an Acute Onset of a Pre-existing Condition, subject to the limits set forth in the Schedule of Benefits
• Treatment for or related to any congenital condition
• Pregnancy, including but not limited to pre-natal care, post-natal care, newborn care and childbirth, except for complications of pregnancy within the first 26 weeks after conception
• Mental health disorders; substance abuse; willfully self-inflicted conditions
• Charges for use of emergency room within the US for treatment of illness unless the patient is directly admitted to the hospital as inpatient for further treatment of that illness (does not apply to injuries)
• Venereal disease; treatment of individuals who are HIV+ or have AIDS or ARC
• Treatment by a chiropractor; diseases of the skin; expenses related to vision or hearing; immunizations and routine physical exams
• Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental Treatment due to covered accident or for emergency relief of acute onset of pain
• Injury resulting from participation in the following activities:
  1. Amateur Athletics and Contact Sports; and professional sports or athletic activities. Non-contact and non-organized/ non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded unless they are excluded by (b) through (j) of this provision; and
  2. mountaineering where a reasonably prudent person would use ropes or guides or at elevations of 4,500 meters or higher; and
  3. aviation (except when traveling solely as a passenger in a commercial aircraft); and
  4. hang gliding, skydiving, parachuting or bungee jumping; and
  5. snow skiing or snowboarding, except for recreational downhill and/or cross country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); and
  6. racing by any animal or motorized vehicle; and
  7. spelunking; and
  8. subaqua pursuits involving underwater breathing apparatus; and
  9. jet skiing; and
  10. any other sport or activity which is undertaken for thrill seeking and exposes the Member to abnormal risk of Injury.
• Charges for travel or accommodations, except as provided for in the local ambulance, emergency medical and political evacuations, repatriation of remains, emergency reunion, return of minor children, natural disaster and trip interruption benefits
• Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s)
• Acts of Terrorism, war, insurrection, riot or any variation thereof
• Charges for treatment of any condition(s) when the purpose of departing the Home Country was to obtain treatment in the destination country/countries.
• Treatment of all forms of cancer / neoplasm

This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, call (866) INSU-BUY



You may access the Online Application or complete the paper application and send to us.

Mail:
Insubuy, Inc.
4700 Dexter Dr
Suite 100
Plano, TX 75093

Fax: (972) 767-4470

Pre-certification

To receive full benefits, pre-certification 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 contacting HCCMIS by phone, e-mail or live chat or through Client Zone. Please see the certificate for more details.

Claim Filing

You may file a claim by submitting a Claimant’s Statement and Authorization Form. This form may be found online, or you may contact HCCMIS for a copy. Complete the form, attach all itemized invoices and payment receipts, and send them to the address shown on the Claimant’s Statement.

The Atlas Travel Series is underwritten by Syndicate 4141 at Lloyd’s, London. The Plan Administrator is HCC Medical Insurance Services.

HCC Medical Insurance Services, LLC (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. HCCMIS is a wholly-owned subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC), a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of $8.8 billion, shareholders’ equity of $3.0 billion and is rated AA (Very Strong) by Standard & Poor’s and AA (Very Strong) by Fitch Ratings. In addition, HCC’s major domestic insurance companies are rated A+ (Superior) by A.M. Best Company.

Atlas Professional Rates - Valid through 12/31/2010

Annual Premium	Excluding US Coverage	Including US Coverage (Available to Non-US citizens and residents only)
Professional	$200.00	$300.00
Spouse and 2 Dependents (Under age 19)	$100.00	$150.00
Each Additional Dependent (Under age 19)	$40.00	$60.00
Optional Sports Rider	1.2
Optional Atlas Terrorism Rider	1.4

Rates include Surplus Lines taxes and fees when applicable

Cancellations
Premiums are non-refundable after departure from Home Country. All premiums are considered fully earned once your Policy becomes effective. Prior to your effective date, you may notify HCC Medical Insurance Services in writing for a refund. Additional cancellation fees may apply.

Privacy Policy
HCC Medical Insurance Services respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact HCCMIS or visit the company website to obtain a full version of the Privacy Policy.

HCCMIS’s Client Zone is an online account management and resource tool that allows you to:

• Renew 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 using our Travel Intelligence and Planning System (TIPS)

You may access Client Zone by logging in at Current Clients.

24/7 Worldwide Travel and Medical Assistance

Atlas Professional includes valuable travel and medical assistance services, which are available to you 24 hours a day, 7 days a week. Contact HCCMIS to access any of these services.

• Pre-Trip Destination Information - Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country
• Medical Monitoring - Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status
• Provider Referrals - Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in your destination country where English is spoken
• Travel Document Replacement - Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents
• Lost Luggage Assistance - Tracking service to assist in locating luggage or other items lost in transit

Other travel and medical assistance services available include:

• Prescription Drug Replacement
• Emergency Travel Arrangements
• Dispatch of Physician
• Translation Assistance
• Credit Card/Traveler Check Replacement

For a complete list of available assistance services or for more information, please call (866) INSU-BUY.

Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.

03/2010