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Atlas Multitrip Insurance earlier known as Atlas Professional Insurance, caters to the international travel medical insurance requirements of corporate employees (and their families) traveling overseas on business. It offers extensive coverage for multiple business trips, each lasting a maximum of 30 days. The plan requires all insured to maintain domestic health insurance in their home country. It is only eligible to those under 66 years of age.
 
The maximum limit of the Atlas Multitrip insurance for an individual is $ 1,000,000.
The deductibles in case of Multitrip insurance is $ 250 for an individual for a single trip.
  • Outside the U.S. and Canada:
    Plan will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
  • In USA (within PPO network):
    After the deductible, the plan will pay 100% of Eligible Expenses up to the Overall Maximum Limit.
  • In USA (outside PPO network):
    After the deductible, the plan will pay 80% of the first $5,000 in medical expenses and then 100% of Eligible Expenses up to the Overall Maximum Limit.
At additional cost the hazardous sports (i.e. scuba, mountaineering etc.) & terrorism (medical benefits during acts of terrorist incidents) options are available. Adventure sports coverage no longer includes paragliding and kitesurfing.
The Atlas Multitrip Insurance is an annual travel insurance plan and can be purchased for 12 months.
Atlas Multitrip International Insurance is underwritten by Lloyds
Atlas Multitripl Insurance Claims is administered by the HCC Medical Insurance Services (formerly MultiNational Underwriters, Inc) based in Indianapolis, IN, USA
Eligibilty

The eligibility of an individual applying for Atlas Multitrip insurance depends on two important factors. The person has to be under the age of 66 and he has to be covered by a regular medical insurance in his home country. The spouse of an individual covered by Atlas Multitrip insurance is also eligible for coverage if he or she is under age 66 and has a medical insurance coverage in his or her home country. The same eligibility criterion is applicable to any dependent children within the age of 14 days to 19 years.

Atlas annual travel insurance offers coverage period of 12 months and the policy becomes effective from the date you have submitted the completed application form and the premium or on the date that you choose and put on the form. The coverage ends with your return to your home country. The insurance coverage for your spouse or dependents, if purchased, is same as your own but only applicable if they go on the trip abroad. You can also avail the coverage of medical expenses in your home country if you are within a Benefit Period which begins if you are diagnosed with or treated for a covered injury or illness while your stay abroad.

Plan Benefits

The coverage offered by Atlas Multitrip insurance includes a number of benefits like the following:

  • Medical expenses which include all charges by medical professionals, diagnostic tests, prescription drugs, and inpatient or outpatient services at a hospital or healthcare facility, medical supplies as well as the cost of ambulance transport during medical emergencies.
  • Atlas multitrip plan offers covered individuals below age 70 a coverage up to medical coverage maximum for an acute onset of a pre existing condition.
  • In cases of emergency, patients need to be evacuated to a specialized healthcare facility for proper treatment. The expenses for emergency medical evacuation are also under the coverage of Atlas executive travel insurance. Evacuation may also be necessary when you need to rush home for some emergency.
  • Atlas business travel insurance also offers coverage for treatment in cases of complications in pregnancy periods. The individual covered by this insurance is eligible for coverage in the initial 26 months of pregnancy.
  • Atlas MultiTrip offers terrorism coverage upto $50000, providing protection from medical expenses due to injuries resulting from these acts.
  • Atlas Multitrip offers physical therapy coverage of $50 maximum per day

Atlas Multitrip insurance policy comes with a number of additional travel assistance services as well. These services ensure that you have a hassle free trip abroad. The services available include health and safety advices, information about passport and visa requirements, tracking of lost luggage, changes in bookings and reservations in case of change in plans, transfer of cash in emergency situations and delivery of messages in case of emergencies.

Remarks

The plan requires all insured (employee, spouse, children) who are covered under the plan to maintain regular domestic health insurance in their home country.