Atlas America insurance coverage for parents and travelers visiting USA
Atlas America visitor travel medical insurance is an effective coverage for visitors to USA. Atlas America Insurance offers pre-existing conditions coverage. Atlas America Insurance is administered by HCC Medical Insurance Services Insurance
|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|
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|
|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
$25,000 lifetime maximum for emergency medical evacuation
|Underwriter||Underwritten by Lloyds, London.|
|Application Form||Fill the Application Form of Atlas America Insurance.|
Pros in the coverage
- When both parents are covered under this plan there is free coverage for the 2 children aged less than 9 years.
- Plan pays 100% of medical expenses with PPO network inside USA.
- No need of medical underwriting for eligible travelers.
- Pre-existing conditions are covered for customers less than 70 years.
Cons in the coverage
- Lower policy maximum for higher the age of the policy holder.
- Pre-existing conditions are not covered above 70 years.
- Any participation in sports activities the AD&D benefit is deleted.