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

Plan Benefit	Detail
Trip Interruption	$5,000
Trip Delay	$100 for 12-hour delay requiring unplanned overnight stay (2 days maximum)
Coverage Area	Worldwide
Deductibles	$0, $100, $250, $500, $1000, or $2,500 per certificate period
Coinsurance (outside of the PPO)	80% of first $5,000 after deductible, then 100%
Coinsurance (inside the PPO and outside the U.S.)	100% after deductible
Emergency Medical Evacuation	$1,000,000 lifetime maximum
Ambulance	Covered when illness or injury results in inpatient hospitalization
Intensive Care Unit (ICU)	Covered
Sports and Adventure Activities	Overall Max Limit of Policy
Lost Checked Luggage	$500
Natural Disaster	$100/Day, 5 Day Max
Emergency Dental	Accidents Covered as Part of Policy Overall Max
Bedside Visit	$1,500 for economy ticket for visiting family if member admitted to ICU

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.