Overview
Atlas Essential International is a comprehensive coverage plan for persons traveling outside their home country and outside the United States. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as today or any future date you specify. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation email. If you request mailing during the application, then physical ID cards, along with the policy will be mailed to you the following business day. If mailed within the United states, you should receive your documents within five to seven business days.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
After deductible, plan pays usual, reasonable and customary to selected policy maximum.
Prescription drugs are covered like any other eligible medical expenses as an inpatient; there is no coverage for outpatient drugs.
Emergency dental treatment to sound and natural teeth is covered in the case of an accident under this insurance.
Atlas Essential International provides coverage anywhere outside of your home country and outside the U.S.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your chosen deductible once per policy period (varies from $0 to $5,000) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.
After that, the plan pays usual, reasonable and customary up to the selected policy maximum, ranging from $50,000 to $1,000,000, depending upon your age.
Example:
Lets assume that you have purchased a $100,000 policy maximum with a $500 deductible for 3 months.
Let's assume that the doctor charges you $300/visit and you need to visit several times.
The first time you visit the doctor, you will have to pay all of that $300 yourself. You still have $200 left towards the unsatisfied deductible.
On the second visit, you will have to pay $200 yourself. You have now completely satisfied your deductible once per policy period. After that, the plan pays usual, reasonable and customary up to $100,000.
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will pay usual, reasonable and customary medical expenses up to $100,000. If you incur any expenses beyond $100,000, you will be responsible to pay that amount.
Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $15,000 per day for a total bill of $30,000. Assuming this is the first instance of your needing to use the insurance, you pay your $500 deductible, and the insurance company will pay usual, reasonable and customary up to the selected policy maximum.
Even if you extend your insurance, you don't have to pay the deductible again.
Benefits Updated: 07/15/2020