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Atlas Professional Insurance coverage for Multi Trips

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Atlas Professional Insurance is a good choice for the professionals and corporate executives who want the travel medical insurance coverage during their multiple trips in a year. It also offers pre-existing conditions coverage. It is administered by HCC Medical Insurance Services Insurance

Plan highlights
Policy Maximum
  • Policy maximum of $1,000,000.
Deductible
  • $250 per covered trip.
Co-insurance
  • Inside US or Canada:
    • For each trip, Underwriters will pay 80% of the next $5,000 of allowable Expenses after the Deductible, then Overall Maximum Limit is 100%.
  • Outside US or Canada:
    • For each trip, Underwriters will pay 100% of allowable Expenses after the Deductible up to the Overall Maximum Limit.
Personal Liability
  • $10,000 lifetime maximum.
hccmis logo
Underwriter:
Underwritten by Lloyds.

HCCMIS Travel Plans:
Atlas America
Atlas International
Atlas Professional
Visitor Secure

HCCMIS Trip Plans:
MultiNational Accident
IC+ International
Visitor Secure

HCCMIS Group Plan:
Atlas Group

Coverage
  • Emergency dental (acute onset of pain): $250 limit per certificate period (not subject to deductible or coinsurance).
  • Trip interruption: $5,000 limit per certificate period (not subject to deductible or coinsurance).
  • Lost checked luggage: $250 limit per certificate period (not subject to deductible or coinsurance).
  • Local Ambulance: Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
  • Accidental death and dismemberment (excludes loss due to common carrier accident): Not subject to deductible or coinsurance.
  • Insured aged 18 years and older: Lifetime maximum - $25,000; Death - $25,000; Loss of 2 limbs - $25,000; Loss of 1 limb - $12,500.
  • Insureds under 18 years: Lifetime maximum - $5,000; Death - $5,000; Loss of 2 limbs - $5,000; Loss of 1 limb - $2,500; $250,000.
  • Accidental death and dismemberment benefits are doubled in the event of loss resulting from Hijacking,
    Kidnapping or attempted Kidnapping. $250,000 Maximum Benefit any one family

Acute Onset of Pre-Existing Conditions:
  • 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.
 

Pre-Existing Conditions Coverage
  • $5,000 lifetime maximum for eligible medical expenses
  • $25,000 lifetime maximum for emergency medical evacuation

 
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