Atlas America insurance coverage for parents and travelers visiting USA

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Atlas America visitor travel medical insurance is an effective coverage for visitors to USA. It also offers Pre-existing conditions coverage. This insurance is administered by HCC Medical Insurance Services Insurance

Plan highlights

Policy Maximum
  • Age 80+: $10,000.
  • Age 70 to 79: $50,000.
  • All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000.

Deductible
  • $0, $100, $250, $500, $1,000 or $2,500 per certificate period

Co-insurance
  • Claims incurred in U.S. or Canada:
    For the certificate period, underwriters will pay 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.
  • Claims incurred outside U.S. or Canada:
    For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Eligibility
  • Non-US Citizens traveling outside their home country

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; Benefits reduce 50% at age 70 and an additional 50% at age 75.
  • 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 maximum benefit any one family.

Benefit Period
  • 90 days.

Accidental Death & Dismemberment
  • Additional $50,000 up to a total of $100,000 coverage at an additional price of $0.25 per day.

Children Coverage
  • This plan has a provision that a child under 10 years is covered free with one parent. If both mother and father are buying the plan together then 2 kids under age 10 years are covered free. One kid under age 10 per parent is covered free under this plan.

Acute Onset of Pre-Existing Conditions
  • Plan Maximum :
    • $100,000, $200,000, $500,000 or $1,000,000.
    • $50,000.
  • Pre-existing Condition Coverage Limit :
    • $100,0000 lifetime maximum for eligible medical expenses.
    • $50,0000 lifetime maximum for eligible medical expenses.
  • Covers travelers under the age of 70 years $25,000 lifetime maximum for emergency medical evacuation.

 

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