Atlas America Insurance for non-US citizens: Medical, Hospital, Doctor-NRIOL

Atlas America is an ideal insurance for non US citizens requiring coverage in the US.

Atlas insurance provides coverage for Medical, Treatment of Complications of pregnancy for the first 26 weeks of Pregnancy, Acute onset of a pre existing condition as well as AD & D, Trip Interruption, Lost Checked luggage, Repatriation and optional Hazardous Sport Rider for the adventurous traveler. Atlas America visitor Insurance covers international visitors who come to the U.S. for pleasure, business or study and is available for up to 364 days

$50,000; $100,000; $250,000; $500,000, $1,000,000 (ages 70 to 79 limited to $50,000; $100,000, 80+,maximum limited to $10,000)
Atlas Premium America: $50,000; $100,000; $250,000; $500,000, $1,000,000, $2,000,000 (ages 70 to 79 limited to $50,000; $100,000, 80+,maximum limited to $20,000)

$0; $100; $250; $500; $1000; $2500 Annual Deductible per person.

Outside the U.S.:
After the deductible is paid, the program pays 100% to the selected Medical Maximum up to the Overall maximum Limit.

Inside the US:
After the deductible is paid the program pays 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.

Coverage is available for periods of 5 days to 364 days. Coverage can be purchased in a combination of monthly and/or daily periods by paying the appropriate plan cost.

The plan can be purchased for a minimum of 5 days to a maximum of 364 days at any given time.

Atlas America Insurance is underwritten by Llyods.

Atlas America Insurance is administrated by Tokio Marine HCCMIS.

Eligibilty

Only non-US Citizens who are at least 14 days of age are eligible for coverage under this plan.

Individuals age 70 to 79 as of the Certificate Effective Date are subject to $100,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.

Plan Benefits

Atlas America Insurance offers a broad range of benefits including:

In-patient hospitalization, surgery, medical diagnostic expenses (up to policy maximum)
Out-patient doctor office expenses (up to policy maximum)
Prescription Drugs (up to policy maximum)
Emergency Medical Evacuation(up to $1,000,000)
Political Evacuation (up to $10,000 Lifetime Maximum)
Repatriation (up to overall maximum limit)
Intensive care (Usual, reasonable and Customary charges)
Common Carrier Accidental Death – Not subject to deductible or coinsurance
Up to age 18 – $25,000 per member; Age 18 through 69 – $50,000 per member;
Age 70 to 74 – $12,500 per member; Age 75 and older – $6,250
Accidental Death & Dismemberment (excludes loss due to common carrier accident; 250,000 maximum benefits per any one family or group.) Under 18: $5,000; 18-69: $50,000; 70-74: $12,500; Above 75: $6,250.
Terrorism Coverage ($50,000 Maximum Lifetime Limit, Eligible Medical Expenses only)
Addition of chiropractor care to physical therapy benefit – $50/day (must be ordered by physician).
A Vantage America drug discount card is provided for policies with U.S. as a destination.

Remarks

PPO Network: Atlas America Insurance within the US uses the
FirstHealth PPO network
Eligible U.S. claims incurred inside the PPO network will be paid at 100% after the plan’s deductible.
Renewal: Policies purchased online for 5 or more days are eligible for renewal. Policies can be renewed online before the expiration date of the plan. There is a $5 renewal fee. A new plan must be purchased after 364 days of coverage.
Cancellation: A full refund of premium is possible if a written request is provided prior to the start of the plan. If written
request is received after the Effective Date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no
claim has been submitted for reimbursement
Added free child up to age 10 with each parent. Maximum of two free children.