An international plan for five or more traveling abroad.
Atlas Professional Series plans are tailored for groups of 5 or more US and non-US Citizens traveling outside their home country for 15 days through one year. A perfect plan for missionaries and students.
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Atlas Professional is the obvious choice for corporate executives and other professionals who require travel medical insurance coverage for numerous trips during the year. Buy Atlas Professional and coverage is automatically in place for those last minute international trips. State of the art travel and emergency medical assistance services are part of every Atlas Professional policy. All of this with the same astonishing service you have come to expect from MultiNational Underwriters, the leader in international travel medical insurance.
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Why Buy Travel Insurance? |
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The answer is simple. International travel involves risk. You may arrive at your destination only to find that your luggage with valuable personal items has disappeared, a personal emergency may necessitate your early return to your Home
Country, or a medical emergency may necessitate hospitalization or even air evacuation. In most cases, your existing insurance will not provide adequate protection to you for these and other risks involved with international travel. Without appropriate travel insurance, you can be exposed to significant financial liability. MultiNational Underwriters, Inc. has designed The Atlas Professional to take the risk out of international travel, so that you can have an enjoyable and productive trip.
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Am I Eligible for the Atlas Professional? |
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If you are under age 66 and you maintain medical insurance that covers you
while you are in your Home Country, you are eligible for Atlas Professional.
Your Spouse under age 66 and dependent children who are at least 14 days old may
also be covered, provided they too maintain medical insurance that covers them
while they are in their Home Country(ies). The Overall Maximum Limit is
$1,000,000 per person.
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When Does Annual Coverage Become Effective and When Does it End? |
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The Effective Date is the later of: the date we receive your Application and correct premium or the date you request on your Application. The Certificate Period is 12 months. During the Certificate Period, you are covered for all
trips of 30 days duration or less outside your Home Country. Coverage is effective the moment you depart your Home Country and ends the moment you return to your Home Country. If you purchase coverage for your Spouse and/or Dependents (under age 19), they are covered during the same time period as you as long as they accompany you on your trip.
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Does Atlas Professional Provide Any Home Country Coverage?
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If you started a Benefit Period during a covered trip, you are covered for Medical expenses only for the duration of the Benefit Period regardless of whether you are at home or abroad. Your Benefit Period begins on the first date
you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days.
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What Is Covered?
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All benefits, except Lost Checked Luggage, Accidental Death &
Dismemberment and Common Carrier Accidental Death, are subject to the Deductible
and Coinsurance. Policy Limits apply to all benefits:
Medical:
- Inpatient and Outpatient charges made by a Hospital.
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any
other medical specialist to whom the Physician has referred the case.
- Charges made for dressings, sutures, casts or other supplies prescribed by
the attending Physician or specialist, but excluding nebulizers, oxygen tanks,
diabetic supplies and all devices for repeat use at home.
- Charges for diagnostic testing using radiology, ultrasonographic or
laboratory services.
- Charges for oxygen and other gases and anesthetics and their administration.
- Charges for prescription drugs to treat a covered Injury or Illness, but not
for the replacement of lost, stolen, damaged, expired or otherwise compromised
drugs.
- Charges made by a licensed Extended Care Facility upon direct transfer from
an acute care Hospital.
- Emergency local ambulance transport incurred in connection with an Injury or
Illness which resulted in inpatient hospitalization.
Complications
of Pregnancy:
Treatment of Complications of Pregnancy during the first 26 weeks of
Pregnancy is covered under this insurance. Complications of Pregnancy is defined
as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely
affected by Pregnancy or caused by Pregnancy, and not associated with a normal
Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis
gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of
comparable severity. Hospital Indemnity:
If you are hospitalized as an Inpatient for treatment of a covered Illness or
Injury, the Atlas Professional plan will provide $100 for each night you spend
in the hospital. This benefit is in addition to the payments for other covered
expenses and is not subject to the Deductible.Acute Onset of a
Pre-existing Condition:
If you are a US Citizen and experience an Acute Onset of a Pre-existing
Condition during a covered trip, you are covered for up to $5,000 for Medical
expenses plus $25,000 for Emergency Medical Evacuation expenses. The conditions
for Emergency Medical Evacuation benefits, as described herein, must be met in
order for this benefit to be available. An Acute Onset of a Pre-existing
Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing
Condition, which occurs spontaneously and without advance warning either in the
form of Physician recommendations or symptoms. Treatment must be obtained within
24 hours of the sudden and unexpected outbreak or recurrence.Emergency
Dental:
The following Emergency Dental expenses are covered: Emergency Dental
treatment and Dental surgery necessary to restore or replace sound natural teeth
lost or damaged in an Accident which is covered under this insurance subject to
the Overall Maximum Limit; and Emergency Dental treatment necessary to resolve
acute, spontaneous and unexpected onset of pain subject to a maximum benefit of
$100.Emergency Medical Evacuation:
If recommended by your attending Physician, who certifies that Evacuation is
necessary to safeguard your life or limb and that Medically Necessary treatment
is not available locally, and if approved in advance and coordinated by
MultiNational Underwriters, Inc., the Atlas Professional will provide the
following benefits: Emergency air and/or ground transportation to the nearest
Hospital that is qualified to provide the Medically Necessary
treatment.Emergency Reunion:
In the event of a covered Emergency Evacuation, the Atlas Professional will
provide the following benefits: The cost of an economy round-trip air and/or
ground transportation ticket for one of your Relatives (parent, spouse, sibling
or child age 18 or older) for transportation to the area where you are
hospitalized following Emergency Evacuation, and reasonable expenses for lodging
and meals for your Relative, for a period not to exceed 15 days.Return of
Minor Child(ren):
If you are the only person age 18 or older, traveling with one or more
child(ren) under the age of 18, who are also covered by the Atlas Professional,
and you are hospitalized for treatment of a covered Illness or Injury, resulting
in the child(ren) being left unattended for a period of time expected to exceed
36 hours, the Atlas Professional will provide the following benefit: The cost of
a one-way economy air and/or ground transportation ticket for each covered child
to the terminal serving the area of Principal Residence of each covered
childAccidental Death and Dismemberment:
In the event of your Accidental Death (except while traveling in a common
carrier) or Dismemberment resulting from a covered Injury, the Atlas
Professional will provide the following benefit:
- Accidental Death ? Principal Sum of $25,000 ($5,000 for children under age
18) to the Beneficiary designated on your Application.
- Accidental Dismemberment
a. Loss of 2 or more eyes or limbs ?- Principal
Sum of $25,000 ($5,000 for children under age 18) to you.
b. Loss of 1 eye or
limb ? One-half of the Principal Sum ($2,500 for children under age 18) to
you.
- The Accidental Death and Dismemberment benefit is deleted during
participation in a hazardous sport.
- The Accidental Death and Dismemberment benefit is doubled in the event of
loss resulting from Hijacking, Kidnapping or attempted Kidnapping.
All
Accidental Death and Dismemberment benefits are subject to a maximum of $250,000
per family.
Common Carrier Accidental Death:
In the event of your Accidental Death while traveling on board a commercial
common carrier (except during a Hijacking), the Atlas Professional will provide
the following benefit: Principal Sum of $50,000 ($25,000 for children under age
18) to the Beneficiary designated on your Application, subject to a maximum of
$250,000 per family.Repatriation of Remains:
In the event of a covered Injury or Illness resulting in your death, the
Atlas Professional will provide the following benefit: Air and/or ground
transportation of bodily remains or ashes to the area of your Principal
Residence, and reasonable costs of preparation of your remains necessary for
transportation.Trip Interruption:
- If, after you have departed your Home Country, you learn of the death of a
parent, spouse, sibling or child, or you learn of the substantial destruction of
your Principal Residence by fire or weather, the Atlas Professional will provide
the following benefit: The cost of an economy one-way air and/or ground
transportation ticket for you to the area of your Principal Residence; or
- If, following a covered Emergency Medical Evacuation, the attending
Physician states that it is Medically Necessary for your return to your Home
Country or to the area from which you were initially evacuated for continued
treatment, recuperation and recovery, the Atlas Professional will provide the
following benefit: The cost of a one-way economy air and/or ground
transportation ticket for your transportation from the area where you were
hospitalized following the Emergency Evacuation, to the area where you were
initially evacuated from, or to the terminal serving the area of your Principal
Residence.
Lost Checked Luggage:
In the event your checked luggage is permanently lost by the carrier, the
Atlas Professional will provide the following benefit: Up to $250 for
replacement of clothes and personal hygiene items, not to exceed $50 for any one
item. You must file a formal claim with the transportation provider and provide
the Plan Administrator with copies of all claim forms and proof that the
transportation provider has paid you its normal reimbursement for the lost
checked luggage.Atlas Professional Travel Assistance Services:
The following Travel Assistance Services are available to you 24 hours a day,
7 days a week while your Atlas Professional plan is in effect.
Pre-Trip
Health and Safety Advisories (available after your purchase of the Atlas
Professional, and before your departure) ? call us for current passport, visa,
inoculation and vaccine requirements, as well as up-to-date travel safety
advisories.
Livetravel Services ? we will make emergency travel and
itinerary changes for you including rebooking flights, hotel reservations and
ground transportation arrangements.
BagTrak ? we are the industry
leaders in tracking lost baggage. We will help you locate your lost baggage, and
deliver it to you anywhere in the world.
Emergency Message Relay ? we
will relay messages to your family, friends and co-workers, helping you to
maintain contact during an emergency.
Emergency Cash Transfers ? we
will assist you in arranging and obtaining cash transfers anywhere in the
world.
Other important Atlas Professional Travel Assistance Services
include:
- Medical referrals
- Up-to-the-minute travel medical advisories
- Assistance with prescription drug replacement
- Dispatch of a doctor or specialist
- Emergency travel arrangements for family members
- Lost passport or travel documents assistance
- Embassy and consulate referrals
- Legal and accounting referrals
- Bail bond assistance
- Translation and interpretation assistance
Atlas Professional
Travel Assistance Services are not insurance benefits and provision of any Atlas
Professoinal Travel Assistance Services is not a guarantee of any other benefit
under the Atlas Professional plan.
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Schedule of Benefits and Limits
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| Deductibles: |
$250 per person, per
trip |
| Coinsurance: |
For each trip, Underwriters will pay
100% of Eligible Expenses after the Deductible up to the Overall Maximum
Limit |
| Hospital Room and Board: |
Average Semi-private room rate,
including nursing services. |
| Local Ambulance: |
Usual, Reasonable and Customary charges
when Covered Illness or Injury results in hospitalization |
| Hospital Indemnity: |
$100 per day (not subject to
Deductible) |
| Intensive Care Unit: |
Usual, Reasonable and Customary
charges |
| Outpatient Treatment: |
Usual, Reasonable and Customary
charges |
| Acute Onset of Pre-existing Condition:
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$5,000 Medical, $25,000 Emergency
Medical Evacuation |
| Emergency Dental - Acute onset of pain:
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Accident ? Overall Maximum
Limit>br>Acute Onset of Pain - $100 limit per Certificate
Period |
| Emergency Medical Evacuation: |
Overall Maximum Limit |
| Emergency Reunion: |
$15,000 limit per Certificate
Period |
| Return of Minor Children: |
$5,000 limit per Certificate
Period |
| Accidental Death and
Dismemberment: |
Death - $25,000 adult, $5,000 children
under age 18; Loss of 2 Limbs - $25,000 adult, $5,000 children under age 18;
Loss of 1 Limb - $12,500 adult, $2,500 children under age 18; $250,000 Maximum
per family |
| Common Carrier Accidental Death: |
$50,000 per adult, $25,000 children
under age 18; $250,000 Maximum per family |
| Repatriation of Remains: |
Overall Maximum Limit |
| Trip Interruption: |
$5,000 limit per Certificate Period
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| Lost Checked Luggage: |
$250 limit per Certificate Period (not
subject to Deductible) |
| Hospital Pre-Certification Penalty:
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50% of Eligible Medical
Expenses. |
| Optional Hazardous Sports Rider: |
Overall Maximum Limit |
| Optional Atlas Terrorism Rider: |
$50,000 Lifetime Limit |
| Overall Maximum Limit per
Certificate Period: |
$1,000,000 |
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What Is Excluded?
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The following charges, treatments, surgeries, medications, conditions and
circumstances are excluded:
- All charges incurred in the United States of America, including its
territories and possessions, except for US Citizens who have started a Benefit
Period.
- Pre-existing Conditions ? Charges resulting directly or indirectly from any
Pre-existing Condition, as herein defined, are excluded from this insurance
unless the condition is an Acute Onset of a Pre-existing Condition. A
Pre-existing Condition is any illness, injury or medical condition, or chronic
or recurring illness, injury or medical condition, including any associated
complications or consequences, which existed at or during the two (2) years
immediately preceding your effective date. An Acute Onset is a sudden and
unexpected outbreak or recurrence of a Pre-existing Condition which occurs
spontaneously and without advance warning either in the form of Physician
recommendations or symptoms. Treatment must be obtained within 24 hours of the
sudden and unexpected outbreak or recurrence.
- Treatment for or related to any congenital condition.
- Routine pre-natal care, Pregnancy, child birth, birth control, artificial
insemination, infertility, impotency or sexual dysfunction, sterilization or
reversal thereof.
- False labor, edema, prolonged labor, prescribed rest during the period of
Pregnancy, morning sickness and conditions of comparable severity associated
with management of a difficult Pregnancy, and not constituting a medically
distinct Complication of Pregnancy, and all charges related to Pregnancy after
the 26th week of Pregnancy.
- Mental Health Disorders or Substance Abuse.
- Charges which are not incurred during the Certificate Period and charges
which are not presented to Underwriters for payment within 60 days from the end
of the Certificate Period or applicable Benefit Period.
- Charges for use of Emergency Room for treatment of Illness unless the
patient is directly admitted to the Hospital as Inpatient for further treatment
of that Illness.
- Not Medically Necessary and administered or ordered by a Physician.
- Provided at no cost, by a family member, or by a person who ordinarily
resides with you, or are attributable to or recoverable from any other party
including government sponsored plans.
- Charges which exceed Usual, Reasonable and Customary.
- Investigational, Experimental or for Research purposes.
- While confined primarily to receive Custodial Care, Educational or
Rehabilitative Care.
- Venereal Disease, AIDS or ARC.
- Treatment by a Chiropractor.
- Diseases of the skin.
- Dental treatment, including treatment of the temporomandibular joint, except
for Emergency Dental treatment necessary to replace sound natural teeth lost or
damaged in an Accident covered hereunder or for the relief of acute, spontaneous
and unexpected onset of pain.
- Eyeglasses, eye exams, contact lenses, hearing aids, hearing implants, eye
refraction, visual therapy, or visual eye training or eye surgery (including
cataract surgery and radial keratotomy) or for any examination or fitting
related to these devices or procedures.
- Injury sustained while taking part in the following activities: Amateur or
professional sports or athletics, except this does not include Amateur sports or
athletics which are non-contact and undertaken solely for leisure, recreational,
entertainment or fitness purposes unless such sports or athletics are otherwise
excluded by this provision. The following are excluded: Mountaineering where
ropes or guides are normally used or at elevations of 4,500 meters or higher.
Aviation, except when traveling solely as a passenger in a commercial aircraft.
Hang gliding, sky diving, parachuting or bungee jumping; snow skiing or
snowboarding, except for recreational downhill and/or cross-country snow skiing
or snowboarding (no cover provided whilst skiing away from prepared and marked
in-bound territories and/or against the advice of the local ski school or local
authoritative body); Racing by any animal or motorized vehicle; spelunking;
subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI
certified, accompanied by a certified instructor, and at depths of less than 10
meters; jet skiing; and any other sport or athletic activity which is undertaken
for thrill seeking and exposes you to abnormal or extreme risk of injury.
- Injury sustained while under the influence of or due wholly or partly to the
effects of intoxicating liquor or drugs other than drugs taken in accordance
with treatment prescribed and directed by a Physician but not for the treatment
of Substance Abuse.
- Willfully self-inflicted Injury or Illness and immunizations and Routine
Physical Exams.
- The Deductible and charges which are not included as Eligible Expenses as
described in the Master Policy, and charges which exceed the Policy Limits.
- Treatment required as a result of complications or consequences of a
treatment or condition not covered hereunder.
- Charges for travel or accommodations, except as provided for in the Local
Ambulance, Emergency Medical Evacuation, Repatriation of Remains, Emergency
Reunion and Trip Interruption sections of this insurance.
- Treatment incurred as a result of exposure to non-medical nuclear radiation
and/or radioactive material(s), and/or biological weapons, and/or chemical
weapons.
- Organ or Tissue Transplants or related services.
- Acts of terrorism, war, insurrection, riot or any variation thereof
including, but not limited to, contamination or poisoning of people by nuclear
and/or chemical and/or biological substances which cause illness and/or death.
This is a summary of Exclusions. For more details, or for a complete
copy of the Master Policy, contact MultiNational Underwriters, Inc.
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What Are the Pre-Notification Requirements?
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All Hospitalizations, Surgeries, Emergency Evacuations, Emergency Reunions,
Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan)
and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply call, or have
your Physician call, MultiNational Underwriters, Inc. with all information
relative to your claim. Be sure to have your ID number available. If you do not
Pre-notify, medical expenses will be reduced by 50%, and all other expenses will
be forfeited.
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What If I Plan to Participate in a Sport or Athletic Activity that is Excluded?
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The Optional Hazardous Sports Rider is available for the adventurous
traveler. This Rider adds coverage for the Amateur Sports listed in exclusion
#19. The maximum coverage under this rider is the Overall Maximum Limit. The
Accidental Death and Dismemberment benefit is deleted during the course of the
activity.
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Atlas Terrorism Rider
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The Optional Atlas Terrorism Rider provides Medical coverage for Injuries
and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime
maximum, provided all of the following conditions are met:
- The Injury or Illness does not result from chemical, nuclear or biological
weapons or events.
- You have no direct or indirect involvement in the Act of Terrorism.
- The Act of Terrorism is not in a country or location where the United States
government has issued a travel advisory that has been in effect within the 6
months prior to your date of arrival.
- You have not unreasonably failed or refused to depart a country or location
following the date an advisory to leave that country or location is issued by
the United States government.
An Act of Terrorism is defined as: an
act, including but not limited to the use of force or violence and/or the threat
thereof, of any person or group(s) of persons, whether acting alone or on behalf
of or in connection with any organization(s) or government(s) committed for
political, religious, ideological or similar purposes including the intention to
influence any government and/or to put the public, or any section of the public,
in fear.
For additional benefits covering Acts of Terrorism, including high limit
AD&D and Permanent Total Disability coverage, review the MultiNational
Accident Plan (MAP). Contact your representative for additional information
about this exciting new product offered by MultiNational Underwriters, Inc.
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Who Is The Plan Administrator?
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MultiNational Underwriters, Inc., headquartered in Indianapolis, Indiana, is
a full-service organization offering a comprehensive portfolio of insurance
products designed specifically to address the insurance needs of international
travelers. As a TRAVEL GUARD? International company, we benefit from the
experience of a corporate group that protected over 6 million travelers last
year. Our international claims specialists, medical professionals and customer
service representatives are available 24 hours a day, 7 days a week to answer
your questions and respond to your needs. Whether you have lost your luggage or
are in need of Emergency Evacuation, you will find our service team to be
prompt, compassionate, and of the highest professional quality.
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Who Is The Insurer?
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Lloyd?s, the largest and oldest insurance market in the world, is the
insurer of the Atlas Professional. Rated A (Superior) by AM Best Company, and A
(Strong) by Standard and Poor?s, Lloyd?s provides financial strength and
security that is unparalleled in the worldwide insurance market. Lloyd?s is
recognized as a market leader in the accident and health insurance arena and is
well-known for its innovative products and services. Presently, Lloyd?s provides
accident and health insurance to millions of individuals in almost every country
of the world.
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