With medical coverage from 5 days to 12 months, Atlas Group Travel from HCC Medical Insurance Services (HCCMIS) is with you almost anywhere on the planet you may travel with a group of 5 or more for mission trips, large family vacations, student groups abroad, corporate groups, and overseas excursions for other large organizations.
Why choose Atlas Group Travel?
Whatever the reason, traveling internationally with a large group should be a pleasant experience. Emergencies and complications such as natural disasters, injury, or illness are a fact of life, and can be even tougher to manage if it is for a large group of people. While we hope none of these happen, we're here to help if they do. For your peace of mind, coverage for medical expenses in case of hospitalization, while in an intensive care unit, outpatient treatment, emergency medical evacuation, and loss of checked baggage, Atlas Group Travel has benefits you can count on.
My family has medical insurance in our home country; do we need group travel medical insurance?
Many times the primary medical insurance in your home country will not cover you and your family while traveling abroad. Atlas Group Travel includes essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.
Additionally, medical costs can be very expensive while abroad. Past clients have encountered over $68,000 in medical expenses from an emergency medical evacuation alone. With Atlas Group Travel plans starting at less than $1 a day (per person), can you afford not to have coverage?
After purchasing coverage, how can I trust the company to be there if I need them?
Security Matters! - Atlas Group Travel 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 see the world with Atlas Group Travel from HCCMIS by your side. It's health coverage around the world.
Schedule of Benefits
Benefit
Limit
Deductibles
$0, $100, $250, $500, $1,000 or $2,500 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 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 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 as Inpatient
Intensive Care Unit
Usual, Reasonable and Customary charges
Hospital Indemnity
$100 per day of Inpatient hospitalization (not subject to Deductible or Coinsurance)
Physical Therapy
$50 Maximum per visit
All Other Eligible Medical Expenses
Usual, Reasonable and Customary charges
Acute Onset of Pre-existing Condition
$15,000 Lifetime Maximum for Eligible Medical Expenses
$25,000 Lifetime Maximum for Emergency Medical Evacuation
Only available to Members under age 70
Emergency Dental (Acute Onset of Pain)
$100 limit per Certificate Period (not subject to Deductible or Coinsurance)
Emergency Medical Evacuation
$500,000 Lifetime Maximum, except as provided under Acute Onset of Preexisting Condition (not subject to Deductible or Coinsurance)
Return of Minor Children
$5,000 per Certificate Period (not subject to Deductible or Coinsurance)
Repatriation of Remains
Overall Maximum Limit (not subject to Deductible or Coinsurance)
Emergency Reunion
$15,000 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)
Not subject to Deductible or Coinsurance
Members age 18 and older
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
Benefits reduce 50% at age 70 and an additional 50% at age 75.
Members under age 18
Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
$250,000 Maximum Benefit any one family
Common Carrier Accidental Death
Not subject to Deductible or Coinsurance
Members age 18 and older
$50,000 per Member
Members under age 18
$25,000 per Member
Subject to a Maximum of $250,000 any one family
Hospital Pre-certification Penalty
50% of Eligible Medical Expenses
Optional Sports Rider
Overall Maximum Limit
Maximum per Injury / Illness
Age 80 or older: $10,000. Age 70 to 79: $50,000. All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death)
Age 80 or older: $10,000. Age 70 to 79: $50,000. All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000
What's covered by Atlas Group Travel?
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 Group Travel 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 Group Travel 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 a member's death while traveling abroad, Atlas Group Travel will arrange for and cover the costs associated with the repatriation of his or her 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 a member is hospitalized as an inpatient for treatment of a covered illness or injury, Atlas Group Travel 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 Group Travel will cover the cost of a one-way, economy class ticket to the airport nearest your home.
Home Country Coverage
Incidental Home Country Coverage - Atlas Group Travel will provide you 15 days of incidental coverage for trips to your Home Country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only. Return to your Home Country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.
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 Group Travel 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.
End of Trip Home Country Medical Coverage - If you are covered under Atlas Group Travel and outside of your Home Country continuously (except for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage
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 Group Travel:
Return of Minor Children - If a member of your group 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 Group Travel will cover the transportation cost for the children to return home.
Complications of Pregnancy - Atlas Group Travel offers coverage for Complications of Pregnancy during the first 26 weeks of gestation.
Terrorism: 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 Group Travel offers coverage against medical expenses resulting from these acts.
Political Evacuation - If, during the coverage period and after your arrival, the United States government issues a travel warning for your destination country, Atlas Group Travel 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 a member to become displaced from his or her accommodations, Atlas Group Travel will provide relief of $100 a day to help cover the costs of alternative accommodations.
Acute Onset of Pre-Existing Conditions
If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 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.
Exclusions, Enrollment & Filing a Claim
What Is Excluded?
The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:
Charges resulting directly or indirectly from any pre-existing condition, except Members under 70 years of age are covered 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:
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
mountaineering where a reasonably prudent person would use ropes or guides or at elevations of 4,500 meters or higher; and
aviation (except when traveling solely as a passenger in a commercial aircraft); and
hang gliding, skydiving, parachuting or bungee jumping; and
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
racing by any animal or motorized vehicle; and
spelunking; and
subaqua pursuits involving underwater breathing apparatus; and
jet skiing; and
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, except as provided for herein, 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.
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.
Rates
Atlas Group Rates - Valid through 12/31/2010
Atlas International - For travel outside of the US
Option
1
2
3
4
5
Maximum Limit
$50,000
$100,000
$200,000
$500,000
$1,000,000
Age
Daily
Daily
Daily
Daily
Daily
18-29
$0.72
$0.90
$0.95
$1.06
$1.13
30-39
$0.84
$1.03
$1.09
$1.40
$1.57
40-49
$1.48
$1.69
$1.83
$1.91
$2.03
50-59
$2.57
$3.02
$3.27
$3.21
$3.29
60-64
$2.85
$3.60
$4.10
$4.55
$5.38
65-69
$3.07
$4.19
$4.88
$4.79
$5.82
70-79
$5.63
N/A
N/A
N/A
N/A
80+*
$11.36
N/A
N/A
N/A
N/A
Dep. Child
$0.50
$0.75
$0.78
$0.93
$0.91
Child Alone
$0.77
$0.87
$0.92
$0.98
$1.03
Atlas America - For non-US citizens traveling to the US
Option
6
7
8
9
10
Maximum Limit
$50,000
$100,000
$200,000
$500,000
$1,000,000
Age
Daily
Daily
Daily
Daily
Daily
18-29
$1.22
$1.51
$1.59
$1.97
$2.24
30-39
$1.63
$1.99
$2.12
$2.57
$2.91
40-49
$2.43
$2.84
$3.08
$3.81
$4.23
50-59
$3.61
$4.53
$4.91
$5.45
$6.35
60-64
$4.28
$5.52
$6.29
$6.69
$7.84
65-69
$4.86
$6.82
$7.94
$7.95
$9.27
70-79
$6.55
N/A
N/A
N/A
N/A
80+*
$11.36
N/A
N/A
N/A
N/A
Dep. Child
$0.74
$0.89
$0.94
$1.13
$1.22
Child Alone
$1.21
$1.46
$1.54
$1.82
$2.03
Displayed rates are for $250 Deductible Option (in USD). Rates include Surplus Lines taxes and fees when applicable.
* $10,000 Maximum Limit
Deductible and Sports Rider Factors
Deductible
Factor
$0
1.25
$100
1.1
$250
1
$500
0.9
$1,000
0.8
$2,500
0.7
Sports Rider
Factor
Optional
1.2
If for any reason you wish to cancel your policy, you must submit your cancellation request in writing to HCC Medical Insurance Services in order to receive a refund of 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 if the entire group is being cancelled; 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.
Privacy Policy: HCCMIS respects individual privacy and values the confidence of its customers, employees, consumers, business associates and others.
HCC Medical Insurance Services' Outstanding Customer Service
HCCMIS's Client Zone and World Service Center
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 the Current Clients section.
24/7 Worldwide Travel and Medical Assistance
Atlas Group Travel 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.
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