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| Atlas Professional
Insurance |
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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 under66 years
of age.
| Policy Maximum
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The maximum limit of
the Atlas Professional insurance for an individual
is $ 1,000,000. |
| Deductible
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The deductibles in case of Atlas
professional insurance is $ 250 for an individual
for a single trip. |
| Co-insurance |
- 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.
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| Coverage Options |
At additional cost the hazardous
sports (i.e. scuba, mountaineering etc.) &
terrorism (medical benefits during acts of terrorist
incidents) options are available |
| Plan Life
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The Atlas Professional Insurance
is an annual travel insurance plan and can be
purchased for 12 months. |
| Underwriter |
Atlas Professional International
Insurance is underwritten by Lloyds |
| Claims Administrator
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Atlas Professional Insurance Claims
is administered by the HCC Medical Insurance Services (formerly MultiNational Underwriters, Inc)
based in Indianapolis, IN, USA |
Eligibility:
The eligibility of an individual applying
for Atlas professional 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 professional 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 professional
insurance includes a number of benefits like the following:
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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.
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A sudden attack of a pre-existing
health problem is also covered by the Atlas professional
insurance policy. Along with other medical expenses,
the policy holder gets an additional $ 100 for each
night after he has been hospitalized.
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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.
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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 professional 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.
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