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The Atlas Group plan is with you and your group of 5 or more almost anywhere you may travel in the world. Atlas Group coverage is perfect for mission trips, large family vacations, student groups abroad, corporate groups, and overseas excursions for other large organizations.


Why Choose Atlas Group®?

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 incidents happen... we’re here to help if they do. For your peace of mind, coverage for medical expenses in case of hospitalization--including stay in an intensive care unit or outpatient treatment--emergency medical evacuation, and loss of checked baggage are just some of the benefits you can count on from Atlas Group.


My family has medical insurance in our home country; do we need group travel medical insurance?

Often, the primary medical insurance in your home country will not cover you and your family while traveling internationally, and medical expenses can be very costly while abroad. Past clients have encountered over $68,000 in medical expenses from an emergency medical evacuation alone. Atlas Group plans, in contrast, offer affordable coverage—plans start at less than $1 a day!


Additionally, Atlas Group includes essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.


After purchasing coverage, how can I trust the company to be there if I need them?

MIS Group, headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance designed to meet needs of consumers worldwide.


Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies and individuals, acting independently to deliver effective solutions. Our products and capabilities set the standard for the industry, as many of our nearly 2,500 employees are industry-leading experts. Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $30 billion. Tokio Marine HCC holds a financial strength rating of AA- for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company.


Schedule of Benefits
BENEFIT LIMIT
Deductibles $0, $100, $250, $500, $1,000 or $2,500 per certificate period
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 or $100,000. All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000.
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.
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 For each visit, the member shall be responsible for a $200 copayment for use of emergency room except for emergency treatment of Injury after which coinsurance will apply.
Urgent Care Center For each visit, the member shall be responsible for a $50 copayment, after which coinsurance will apply.
Not subject to deductible. Co-payment waived if $0 deductible elected.
Hospital Indemnity (in addition to medical expenses) $100 per day of inpatient hospitalization for member’s use to offset miscellaneous expenses (not subject to deductible or coinsurance)
Physical Therapy and Chiropractic Care $50 maximum per day. Must be ordered in advance by a physician.
All Other Eligible Medical Expenses Usual, reasonable and customary charges
Acute Onset of Pre-existing Condition
(only available to members younger than 70)
Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions).
$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 $1,000,000 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)
Pet Return Up to $1,000 to return a traveling pet home if member is hospitalized.
Local Burial or Cremation $5,000 lifetime maximum
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 – Replacement Accommodations 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)
Trip Delay $100 for 12-hour delay requiring unplanned overnight stay (2 days maximum).
Lost Checked Luggage $500 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 maximum 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
Optional Accidental Death & Dismemberment buy-up of $50,000 to Lifetime max. $100,000
     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
Maximum Per Injury / Illness Age 80 or older: $10,000.
Age 70 to 79: $50,000 or $100,000.
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000.
Crisis Response $10,000 limit per certificate period; Includes access to Unity Crisis Group services
Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage. $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation.
Personal Liability $10,000 lifetime maximum
Optional Personal Liability buy-up of $90,000 to Lifetime max. $100,000
Bedside Visit $1,500 (economy ticket for family member to visit if member admitted to ICU).

What's Covered by Atlas Group®?
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? We are experienced in arranging emergency medical evacuations. Atlas Group will cover the necessary expenses to transport you to the nearest medical facility qualified to treat your life-threatening condition. We also understand the importance of family support in these difficult situations. Atlas Group will also cover the transportation, lodging, and meal costs for a relative to join you after a covered 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 Group will arrange for and cover the costs associated with the repatriation of your remains.


Return of Minor Children

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 Group will cover the transportation cost for the children to return home.


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, and the country you’re visiting is NOT under a travel advisory, Atlas Group offers coverage for medical expenses resulting from those 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 will coordinate your alternate departure arrangements from that country and cover the associated costs.


Natural Disaster Benefit – Replacement Accommodations

Natural disasters can happen anywhere and at any time. If a natural disaster occurs while on your trip, causing you to become displaced from your accommodations, Atlas Group will provide relief of a maximum of $100 a day for 5 days to help cover the costs of alternative accommodations.


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 Group will provide $100 for each night you spend in the hospital.


Other quality benefits offered by Atlas Group*
Acute Onset of Pre-Existing Conditions

If you are younger than 70, you may be covered for an acute onset of a pre-existing condition. 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. Atlas Group provides a limited benefit up to the medical coverage maximum lifetime for eligible medical expenses. This also includes a $25,000 lifetime maximum for emergency medical evacuation. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.


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.


Sports Coverage

Atlas Group 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.


Complications of Pregnancy

Atlas Group offers coverage for complications of pregnancy during the first 26 weeks of gestation.


Crisis Response

Atlas Group offers up to $10,000 (or up to $100,000 **if additional coverage is selected) to offset costs associated with kidnapping, such as ransom, crisis response expenses, and loss of personal belongings. This benefit includes access to the services of Unity Crisis Group for advice, coordination with law enforcement, and negotiations during a kidnapping.


** A buy-up of an additional $90,000 is available for selection, which includes the added benefit of a $10,000 maximum for natural disaster evacuation.


Personal Liability

Atlas Group offers up to $10,000 (or up to $100,000 if additional coverage is selected) to offset the following types of court-entered eligible judgments or approved settlements incurred by the member.

  • Third-party injury;
  • Damage / loss of a third party's personal property;
  • Damage / loss of a related third party's personal property.

Enrollment and Filing a Claim
Home Country Coverage
Incidental Home Country Coverage

For individuals with U.S. as home country, 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 individuals with a home country other than the U.S., 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. Any benefit accrued under a single three-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.


Benefit Period Medical Coverage

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 first 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.


Enrollment

You may access the online quoting and purchasing system or you may complete a Paper Application and return it to us:

By Mail:
Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano TX 75093

By Fax:
Fax: (972) 767-4470


Claim Filing

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 specified 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 sufficient coverage to meet your medical needs.


Tokio Marine HCC - MIS Group is regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group 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.


* 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 Tokio Marine HCC - MIS Group or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

** A buy-up of an additional $90,000 is available for selection, which includes the added benefit of a $10,000 maximum for natural disaster evacuation.


Did You
Consider This?

Treatment for a Snake Bite

They are definitely not cute or cuddly--and neither is the cost of treatment.


Cost of treatment without insurance: $25,730*


Coverage for this kind of medical treatment is included in Atlas Group--policies are available for $0.77 per day.**


* This amount is an example of an actual claim handled by HCCMIS. Coverage for similar claims is not to be inferred as all claims are unique.


* This example is for applicants ages 18-29 with a $250 deductible and $50,000 maximum limit.




Client Zone and World Service Center

Client Zone is an online account management and resource tool available to:

  • Extend coverage and reprint ID cards
  • Obtain details about claim filing and downloading forms
  • Locate providers within the PPO Network

You can access Client Zone by logging in at: Current Clients


If you prefer to speak to a professional service representative, contact the World Service Center by calling toll-free from various countries or by calling collect. The World Service Center can provide service in many different languages.


24 / 7 Worldwide Travel and Medical Assistance

Atlas Group® includes valuable travel and medical assistance services, which are available 24 hours a day, 7 days a week.


Pre-Trip Destination Information

Up-to-date information regarding required vaccinations, health risks, travel restrictions, and weather conditions specific to the destination country.


Medical Monitoring

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.


Provider Referrals

Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the destination country.


Travel Document Replacement

Assistance with obtaining replacement passports, birth certificates, visas, airline tickets, and other travel-related documents.


Lost Luggage Assistance

Tracking service to assist in locating luggage or other items lost in transit.


Other Travel Assistance Services*
  • 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 Tokio Marine HCC - MIS Group. Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.


Rates

Atlas Group® International - For travel outside of the U.S.
(Groups of 5-24 People)

$0 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.89 1.17 1.34 1.39 1.42
30-39 1.06 1.43 1.56 1.61 1.67
40-49 1.79 2.16 2.31 2.34 2.40
50-59 3.06 3.45 3.64 3.67 3.74
60-64 3.76 4.12 4.38 4.44 4.50
65-69 4.46 5.42 5.78 5.95 6.00
70-79 6.55 7.96 N/A N/A N/A
80+* 11.73 N/A N/A N/A N/A
14d-17y 0.89 1.17 1.34 1.39 1.42

$100 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.79 1.04 1.18 1.23 1.25
30-39 0.93 1.26 1.38 1.42 1.46
40-49 1.56 1.90 2.04 2.07 2.11
50-59 2.69 3.04 3.20 3.22 3.30
60-64 3.30 3.63 3.86 3.91 3.97
65-69 3.93 4.76 5.10 5.23 5.28
70-79 5.76 6.99 N/A N/A N/A
80+* 10.33 N/A N/A N/A N/A
14d-17y 0.79 1.04 1.18 1.23 1.25

$250 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.70 0.95 1.07 1.11 1.14
30-39 0.85 1.15 1.25 1.29 1.34
40-49 1.43 1.72 1.86 1.88 1.92
50-59 2.44 2.76 2.92 2.93 2.99
60-64 3.01 3.29 3.50 3.56 3.60
65-69 3.57 4.34 4.64 4.76 4.81
70-79 5.24 6.36 N/A N/A N/A
80+* 9.38 N/A N/A N/A N/A
14d-17y 0.70 0.95 1.07 1.11 1.14

$500 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.64 0.85 0.95 1.01 1.02
30-39 0.77 1.04 1.11 1.17 1.20
40-49 1.28 1.55 1.67 1.69 1.73
50-59 2.20 2.49 2.63 2.63 2.69
60-64 2.71 2.97 3.15 3.20 3.24
65-69 3.21 3.90 4.17 4.29 4.33
70-79 4.72 5.72 N/A N/A N/A
80+* 8.45 N/A N/A N/A N/A
14d-17y 0.64 0.85 0.95 1.01 1.02

$1000 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.57 0.75 0.85 0.90 0.91
30-39 0.67 0.92 1.00 1.03 1.07
40-49 1.14 1.38 1.49 1.51 1.54
50-59 1.96 2.20 2.33 2.34 2.40
60-64 2.41 2.63 2.81 2.84 2.89
65-69 2.86 3.46 3.70 3.81 3.84
70-79 4.18 5.06 N/A N/A N/A
80+* 7.51 N/A N/A N/A N/A
14d-17y 0.57 0.75 0.85 0.90 0.91

$2500 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.50 0.66 0.74 0.78 0.80
30-39 0.59 0.81 0.87 0.91 0.93
40-49 0.99 1.21 1.29 1.32 1.34
50-59 1.70 1.93 2.05 2.06 2.09
60-64 2.10 2.31 2.45 2.49 2.52
65-69 2.50 3.03 3.25 3.33 3.36
70-79 3.66 4.44 N/A N/A N/A
80+* 6.57 N/A N/A N/A N/A
14d-17y 0.50 0.66 0.74 0.78 0.80


Atlas Group® America - For Non-US Citizens traveling to the U.S.
(Groups of 5-24 People)

$0 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 1.52 1.96 2.14 2.57 2.83
30-39 2.07 2.89 3.32 3.37 3.63
40-49 3.08 3.85 4.29 4.83 5.39
50-59 4.58 5.77 7.08 7.62 8.16
60-64 5.34 7.02 9.22 9.55 10.19
65-69 6.05 7.75 10.30 10.63 11.32
70-79 8.72 11.18 N/A N/A N/A
80+* 13.89 N/A N/A N/A N/A
14d-17y 1.52 1.96 2.14 2.57 2.83

$100 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 1.34 1.71 1.88 2.26 2.49
30-39 1.83 2.53 2.92 2.97 3.19
40-49 2.71 3.38 3.78 4.25 4.73
50-59 4.03 5.08 6.23 6.70 7.17
60-64 4.70 6.17 8.12 8.40 8.96
65-69 5.32 6.82 9.06 9.35 9.97
70-79 7.67 9.83 N/A N/A N/A
80+* 12.22 N/A N/A N/A N/A
14d-17y 1.34 1.71 1.88 2.26 2.49

$250 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 1.22 1.56 1.71 2.06 2.27
30-39 1.66 2.31 2.65 2.71 2.91
40-49 2.46 3.08 3.43 3.86 4.31
50-59 3.66 4.62 5.66 6.09 6.52
60-64 4.27 5.61 7.38 7.64 8.16
65-69 4.83 6.20 8.24 8.50 9.06
70-79 6.98 8.95 N/A N/A N/A
80+* 11.11 N/A N/A N/A N/A
14d-17y 1.22 1.56 1.71 2.06 2.27

$500 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 1.10 1.41 1.54 1.86 2.05
30-39 1.49 2.07 2.39 2.43 2.62
40-49 2.21 2.76 3.09 3.48 3.87
50-59 3.29 4.16 5.10 5.48 5.88
60-64 3.85 5.05 6.64 6.87 7.34
65-69 4.37 5.58 7.41 7.65 8.16
70-79 6.28 8.03 N/A N/A N/A
80+* 10.00 N/A N/A N/A N/A
14d-17y 1.10 1.41 1.54 1.86 2.05

$1000 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.97 1.24 1.37 1.64 1.81
30-39 1.33 1.85 2.12 2.15 2.32
40-49 1.97 2.46 2.74 3.09 3.45
50-59 2.93 3.69 4.53 4.87 5.21
60-64 3.42 4.49 5.90 6.11 6.52
65-69 3.88 4.96 6.59 6.80 7.25
70-79 5.58 7.14 N/A N/A N/A
80+* 8.88 N/A N/A N/A N/A
14d-17y 0.97 1.24 1.37 1.64 1.81

$2500 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.86 1.09 1.20 1.44 1.58
30-39 1.15 1.61 1.87 1.89 2.04
40-49 1.72 2.15 2.40 2.71 3.01
50-59 2.56 3.23 3.97 4.26 4.56
60-64 2.99 3.93 5.17 5.35 5.71
65-69 3.39 4.35 5.77 5.95 6.34
70-79 4.89 6.27 N/A N/A N/A
80+* 7.77 N/A N/A N/A N/A
14d-17y 0.86 1.09 1.20 1.44 1.58


Atlas Group® International - For travel outside of the U.S.
(Groups of 25+ People)

$0 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.84 1.11 1.27 1.32 1.34
30-39 0.99 1.35 1.47 1.52 1.57
40-49 1.68 2.04 2.18 2.22 2.26
50-59 2.89 3.26 3.43 3.46 3.54
60-64 3.55 3.89 4.14 4.20 4.25
65-69 4.22 5.12 5.47 5.62 5.67
70-79 6.18 7.51 N/A N/A N/A
80+* 11.08 N/A N/A N/A N/A
14d-17y 0.84 1.11 1.27 1.32 1.34

$100 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.74 0.98 1.11 1.16 1.18
30-39 0.88 1.20 1.30 1.34 1.38
40-49 1.47 1.79 1.92 1.96 1.99
50-59 2.54 2.87 3.03 3.05 3.11
60-64 3.12 3.43 3.65 3.70 3.74
65-69 3.71 4.50 4.81 4.94 4.99
70-79 5.45 6.60 N/A N/A N/A
80+* 9.76 N/A N/A N/A N/A
14d-17y 0.74 0.98 1.11 1.16 1.18

$250 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.67 0.89 1.01 1.05 1.07
30-39 0.80 1.09 1.18 1.22 1.27
40-49 1.34 1.63 1.75 1.78 1.81
50-59 2.30 2.61 2.75 2.77 2.82
60-64 2.85 3.11 3.31 3.37 3.40
65-69 3.37 4.09 4.37 4.50 4.54
70-79 4.95 6.01 N/A N/A N/A
80+* 8.86 N/A N/A N/A N/A
14d-17y 0.67 0.89 1.01 1.05 1.07

$500 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.60 0.80 0.90 0.94 0.97
30-39 0.72 0.98 1.05 1.10 1.14
40-49 1.21 1.46 1.57 1.60 1.63
50-59 2.08 2.35 2.48 2.49 2.54
60-64 2.56 2.80 2.98 3.02 3.06
65-69 3.03 3.67 3.94 4.05 4.09
70-79 4.45 5.39 N/A N/A N/A
80+* 7.97 N/A N/A N/A N/A
14d-17y 0.60 0.80 0.90 0.94 0.97

$1000 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.54 0.71 0.80 0.85 0.86
30-39 0.63 0.87 0.94 0.98 1.01
40-49 1.07 1.30 1.39 1.43 1.45
50-59 1.84 2.08 2.20 2.22 2.26
60-64 2.27 2.49 2.65 2.69 2.72
65-69 2.69 3.27 3.50 3.60 3.62
70-79 3.95 4.79 N/A N/A N/A
80+* 7.09 N/A N/A N/A N/A
14d-17y 0.54 0.71 0.80 0.85 0.86

$2500 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.47 0.62 0.71 0.74 0.75
30-39 0.55 0.77 0.82 0.86 0.88
40-49 0.94 1.15 1.22 1.24 1.27
50-59 1.62 1.82 1.93 1.94 1.97
60-64 1.99 2.18 2.32 2.35 2.38
65-69 2.35 2.86 3.07 3.15 3.17
70-79 3.46 4.20 N/A N/A N/A
80+* 6.21 N/A N/A N/A N/A
14d-17y 0.47 0.62 0.71 0.74 0.75


Atlas Group® America - For Non-US Citizens traveling to the U.S.
(Groups of 25+ People)

$0 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 1.44 1.84 2.02 2.42 2.68
30-39 1.96 2.72 3.14 3.18 3.43
40-49 2.91 3.63 4.05 4.56 5.08
50-59 4.33 5.46 6.68 7.20 7.70
60-64 5.05 6.62 8.71 9.02 9.63
65-69 5.71 7.32 9.73 10.04 10.69
70-79 8.24 10.55 N/A N/A N/A
80+* 13.12 N/A N/A N/A N/A
14d-17y 1.44 1.84 2.02 2.42 2.68

$100 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 1.27 1.62 1.78 2.13 2.35
30-39 1.73 2.40 2.76 2.81 3.01
40-49 2.56 3.19 3.56 4.01 4.47
50-59 3.81 4.79 5.88 6.33 6.77
60-64 4.44 5.82 7.67 7.94 8.47
65-69 5.03 6.44 8.56 8.83 9.41
70-79 7.25 9.28 N/A N/A N/A
80+* 11.54 N/A N/A N/A N/A
14d-17y 1.27 1.62 1.78 2.13 2.35

$250 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 1.16 1.47 1.62 1.94 2.14
30-39 1.57 2.18 2.51 2.55 2.74
40-49 2.32 2.91 3.24 3.65 4.06
50-59 3.46 4.36 5.35 5.75 6.16
60-64 4.04 5.30 6.97 7.22 7.70
65-69 4.57 5.86 7.78 8.02 8.56
70-79 6.59 8.43 N/A N/A N/A
80+* 10.44 N/A N/A N/A N/A
14d-17y 1.16 1.47 1.62 1.94 2.14

$500 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 1.04 1.33 1.45 1.75 1.93
30-39 1.40 1.96 2.25 2.29 2.47
40-49 2.09 2.61 2.92 3.28 3.66
50-59 3.11 3.93 4.81 5.18 5.54
60-64 3.63 4.77 6.27 6.49 6.94
65-69 4.12 5.27 7.00 7.23 7.70
70-79 5.93 7.60 N/A N/A N/A
80+* 9.44 N/A N/A N/A N/A
14d-17y 1.04 1.33 1.45 1.75 1.93

$1000 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.92 1.18 1.29 1.55 1.72
30-39 1.25 1.74 2.00 2.04 2.19
40-49 1.85 2.32 2.58 2.92 3.26
50-59 2.76 3.49 4.28 4.60 4.92
60-64 3.22 4.24 5.58 5.77 6.16
65-69 3.66 4.68 6.22 6.42 6.84
70-79 5.27 6.75 N/A N/A N/A
80+* 8.39 N/A N/A N/A N/A
14d-17y 0.92 1.18 1.29 1.55 1.72

$2500 Deductible
Maximum Limit $50,000 $100,000 $200,000 $500,000 $1,000,000
Age Daily Daily Daily Daily Daily
18-29 0.81 1.03 1.13 1.36 1.50
30-39 1.10 1.53 1.76 1.79 1.92
40-49 1.63 2.03 2.26 2.55 2.85
50-59 2.42 3.05 3.74 4.03 4.31
60-64 2.83 3.71 4.88 5.05 5.39
65-69 3.20 4.10 5.45 5.62 5.98
70-79 4.62 5.92 N/A N/A N/A
80+* 7.34 N/A N/A N/A N/A
14d-17y 0.81 1.03 1.13 1.36 1.50

Rates are shown in US dollars and are effective 04/01/2017. Rates are subject to change. Charges will include Surplus Lines taxes and fees when applicable.
*$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 to us in order to receive a refund or premium. Cancellation requests received after the policy 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.


Administrator

Tokio Marine HCC - Medical Insurance Services Group
251 North Illinois Street, Suite 600
Indianapolis, IN 46204


FOR ADDITIONAL INFORMATION

Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470

Web site: insubuy.com


KHE2FFFYH6SP-152-431