Key Details of Atlas Group Insurance

Detail	Included with Atlas Group
Guaranteed Acceptance	Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.
Acute onset of pre-existing conditions (excludes chronic and congenital conditions)	Limited Coverage: Up to policy maximum lifetime life for the eligible medical expense for the acute onset of a pre-existing condition. Excludes chronic and congenital conditions. See the Description of Coverage for more details.
Discounts for groups or large families	Yes: A 10% discount off our Atlas Travel rates is offered for groups of five or more.
100% coverage for accidents and injuries outside the U.S.	Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.
100% coverage for accidents and injuries within the U.S	Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details
Sports coverage at no additional charge	Yes: Coverage for eligible injuries or illnesses related to sports activities,. See the Description of Coverage for for limitations.
Emergency medical evacuations available 24/7	Yes: $1,000,000 in coverage regardless of policy maximum
Complete online enrollment capabilities & immediate fulfillment	Yes: Selecting "Yes" to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved.

Atlas Group Insurance Benefits

Benefit	Details
Deductibles	You choose $0, $100, $250, $500, $1,000, $2,500 or $5,000 per Certificate Period
Coinsurance – Claims incurred in U.S. or Canada	100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
Coinsurance – Claims incurred outside US or Canada	100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
Hospital Room and Board	Covered
Local Ambulance	Covered
Emergency Room Co-Payment	Inside the US - $200 for each use of emergency room for an illness, unless you are admitted to the hospital.
Urgent Care Center Co-Payment	Inside the US - $15, not subject to deductible and waived with a $0 Deductible.
Hospital Indemnity	$100 per day
Intensive Care Unit	Covered
Outpatient Treatment	Covered
Acute Onset of Pre-existing Condition	Up to the overall maximum limit or $100,000, whichever is lower. $25,000 Lifetime Limit for Emergency Medical Evacuation
Physical Therapy	$50 Maximum per visit. Coinsurance waived for outpatient treatment.
All Other Eligible Medical Expenses	Usual, Reasonable and Customary charges
Emergency Dental	Acute Onset of Pain - $300 limit per Certificate Period (not subject to Deductible or Coinsurance) Accident - Overall Maximum Limit
Emergency Medical Evacuation	$1,000,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Emergency Reunion	$100,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Return of Minor Children	$50,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Political Evacuation	$100,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Terrorism	$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only
Accidental Death and Dismemberment (Not subject to deductible or coinsurance. Excludes loss due to Common Carrier Accident.)	Members age 18 to 69: Lifetime Maximum – $25,000 Death – $25,000 Loss of 2 Limbs – $25,000 Loss of 1 Limb – $12,500 Members under age 18: Lifetime Maximum – $5,000 Death – $5,000 Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500 Members age 70 to 74: Lifetime Maximum – $12,500 Death – $12,500 Loss of 2 Limbs – $12,500 Loss of 1 Limb – $6,250 Members age 75 and older Lifetime Maximum – $6,250 Death – $6,250 Loss of 2 Limbs – $6,250 Loss of 1 Limb - $3,125
Common Carrier Accidental Death	Members age 18 - 69: $50,000 per Member Members under age 18: $10,000 per Member (Not subject to Deductible or Coinsurance. Subject to a Maximum of $250,000 for any one family.)
Repatriation of Remains	Equal to the elected overall maximum limit - not subject to deductible or coinsurance This limit is for this benefit only and is not included in or subject to the overall maximum limit.
Natural Disaster Benefit	Maximum $250 a day for 5 days (not subject to Deductible or Coinsurance)
Trip Interruption	$10,000 limit per Certificate Period
Lost Checked Luggage	$1000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Lost Passport	$100 (not subject to deductible)
Hospital Pre-certification Penalty	50% of Eligible Medical Expenses
Maximum per Injury / Illness	Age 80 or older: $10,000 (only available for Atlas International) Age 70 to 79: $50,000, $100,000 or $150,000 All others: $50,000, $100,000, $250,000, $500,000 or $1,000,000
Overall Maximum Limit per Certificate Period	Age 80 or older: $10,000 (Atlas International only) Age 70 to 79: $50,000, $100,000 or $150,000 All others: $50,000, $100,000, $250,000, $500,000 or $1,000,000

Review Description of Coverage

In addition, our Atlas Group insurance plans comes with these standard benefits and optional coverage choices:

Additional Benefits of Atlas Group Insurance

Benefit	Description
Emergency Medical Evacuation	Imagine being in a remote area and tragedy strikes. You could quite possibly find yourself without proper medical facilities nearby. Atlas Group insurance provides Emergency Medical Evacuation coverage that will pay for the cost of transporting you to the nearest hospital for treatment.
Political Evacuation	If the U.S. government issues a travel warning in your destination country after you have departed for your trip, the Atlas Group plan will cover the cost of transporting you to the nearest country of safety or back home. Plus, our World Service Center will help coordinate your new departure arrangements.
Natural Disaster – Replacement Accommodations	Taking advantage of cheaper accommodation rates during hurricane season can sometimes backfire. Luckily, Atlas Group insurance has you covered for unexpected hurricanes and typhoons that arise with less than 72 hours’ notice—and those which deviate 200+ miles from their forecasted paths. If you are evacuated from your hotel or resort due to these types of weather circumstances, the Atlas Group insurance plan can help pay for alternative accommodations.
Sports and Adventure Activities	Planning on a little group adventure? Our sports coverage provides benefits for activities such as mountain climbing, bungee jumping, scuba diving with an instructor or if PADI/NAUI certified, snowboarding, and more.
Crisis Response	Atlas Group provides $10,000 in coverage to offset ransom, personal belongings surrendered during a kidnapping, and expenses & fees, as well as access to experts to coordinate with law enforcement and manage/execute negotiations during a kidnapping. 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	Atlas Group provides a $10,000 benefit to defray member expenses associated with a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements. Optional Personal Liability buy-up of $90,000 to Lifetime Maximum of $100,000 available.

Atlas Group plans also come with travel assistance services, which are available to members 24 hours a day, seven days a week. Members can get assistance with lost checked luggage, lost passport documents, interpretation services, and other travel document replacements.

HCC worldwide provider network gives Members access to more than 2,000 hospitals and 6,000 physicians outside of the US. We also have more than 400,000 physicians in the US.