Insubuy Insurance

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Atlas Premium America Visitor Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise information such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.


All the amounts are in U.S. dollars.


Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.


Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.


 
Plan type Comprehensive Comprehensive Plans
Plan name
Atlas Premium America
Co-insurance
In U.S./Canada: After deductible, you pay 10% of the first $5,000 in covered expenses, rest covered at 100% up to selected policy maximum. Coinsurance (10%) waived if expenses are incurred within PPO and provider bills directly to Underwriter.

Outside U.S./Canada: After deductible, covered at 100% up to selected policy maximum.
MEDICAL - OUTPATIENT
Doctor/ urgent care visits U.S. Urgent Care: $50 copay. Not subject to deductible. Otherwise, to policy maximum
Hospital emergency room (all expenses incurred therein) To policy maximum.

Extra $200 penalty/visit if ER visit for a sickness (not injury/accident) that does not result in direct hospital admission.
Prescription drugs To policy maximum, maximum supply of 60 days per prescription
Diagnostic x-rays lab services To policy maximum
Surgical treatment To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage
To policy maximum
MEDICAL - INPATIENT
Hospital room and board including miscellaneous To policy maximum, average semi-private room including nursing services
Intensive care unit To policy maximum
Surgical treatment To policy maximum
Anesthetist To policy maximum
Assistant surgeon 20% of primary surgeon charge. No standby availability coverage
Physician's non-surgical visits To policy maximum
Consult physician, when requested by attending physician To policy maximum
To policy maximum
MEDICAL - OTHER TREATMENT AND SERVICES
Same as any other eligible medical expense
Local ambulance
To policy maximum when covered illness or injury results in hospitalization as inpatient
To policy maximum
-
-
Only the complications of pregancy, during first 26 weeks of pregnancy
Inpatient: To policy maximum
Outpatient: $50/day
Acute onset only. Medical to policy maximum and $25,000 medical evacuation for persons under age 70
-
Yes. First Health PPO
Yes
Included
Benefit period for continued treatment following termination date of policy
90 days
DENTAL
$250 per certificate period*
To policy maximum
TRAVEL
$1,000,000 ($25,000 in case of Acute onset of pre-ex conditions). Separate from overall policy max
To policy maximum
$5,000
$50,000
$50,000
-
$10,000
$1,000 per certificate period
LIFE
Principal sum - $5,000 (14 days-17 years), $250,000 (18-69), $12,500 (70-74), $6,250 (75+)
Principal sum - $25,000 (14 days-17 years), $50,000 (18-69), $12,500 (70-74), $6,250 (75+)
OTHER
Incidental
$50,000
-
$100/day
$250/day, 5 days max
For every parent insured, one child under age 10 years is free. Maximum 2 children.
PLAN FEATURES
Renewable Yes, renewable in 1-day increments if purchased min. 5 days initially
Cancellation policy Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
multiples of days (min 5 days) - max 364 days
$0
$0
Help Help Help Help
Available deductibles
By Age
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
Policy maximum options
By Age
lifetime maximum
$20,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$200,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
$2,000,000 Up to 69
Claims administrator Tokio Marine HCC Medical Insurance Services Group
Insurance company / Carrier / Underwriter Lloyds
A.M. Best rating A "Excellent"

  • *Not subject to Deductible or Coinsurance

  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).

  • Coverages shown are per person unless noted otherwise.