International Medical Group

Atlas Group Insurance

Eligibility
  • Groups of 5 or more travelers travelling outside their home country.
Coinsurance
  • We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Restrictions
  • The Atlas America plan cannot be purchased by Canadians and Australians coming to the US if they are physically located either in Canada or Australia while buying the insurance.
  • UNDERWRITERS : Underwritten by Lloyds, London.
  • RATING :
    • AM Best Rating: A++ (Superior)
    • Standard & Poor’s Rating: AA-

Plans Highlights

POLICY MAXIMUM
  • Maximum coverage: US$200,000; US$500,000 or US$1,000,000.
  • The maximum coverage is $50,000 or $100,000 for travelers aged 70 to 79 years.
  • The maximum coverage is $10,000 for 80 years and older.
DEDUCTIBLE
  • US$0, US$100, US$250, US$500, US$1000 or US$2500 deductible per certificate period.
Physical Therapy
  • $50 Maximum per visit.

Pre-Existing Conditions Coverage

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80)
  • Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower
  • Under age 70: Up to the overall maximum limit
  • Up to $25,000 lifetime maximum for Emergency Medical Evacuation

Benefits Details

Benefits Coverage
Hospital Room and Board Average semi-private room rate, including nursing services.
Overall Maximum Limit Age 80 or older - $10,000; Age 70 to 79 - $50,000, $100,000, or $250,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.
Emergency medical evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition.
– not subject to deductible, coinsurance, or overall maximum limit
Accidental Death & Dismemberment Ages 18 through 69- $50,000 Lifetime Maximum.
Under age 18- $25,000 Lifetime Maximum.
Ages 70 through 74- $12,500 Lifetime Maximum.
Ages 75 and older- $6,250 Lifetime Maximum.
$250,000 maximum benefit any one family or group.
– not subject to deductible or overall maximum limit
Intensive Care Unit Up to the overall maximum limit.
All Other Eligible Medical Expenses Up to the overall maximum limit.
Local ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Common Carrier Accidental Death Ages 18 through 69- $50,000
Under age 18- $25,000
Ages 70 through 74- $12,500
Ages 75 and older- $6,250
Subject to a maximum of $250,000 any one family or group.
- not subject to deductible, coinsurance, or overall maximum limit.
Trip interruption Up to $10,000 – not subject to deductible or coinsurance
Lost checked luggage Up to $500 – not subject to deductible or coinsurance
Repatriation of remains Up to the overall maximum limit – not subject to deductible or coinsurance
Emergency dental (acute onset of pain) Up to $250 – not subject to deductible or coinsurance
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived).
Bedside Visit Up to $1,500 – not subject to deductible or coinsurance
Return of Minor Children Up to $50,000 – not subject to deductible
Pet Return Up to $1,000 – not subject to deductible or coinsurance
Emergency Reunion Up to $100,000, subject to a maximum of 15 days – not subject to deductible
Urgent Care Center Claims incurred in U.S.
For each visit, you shall be responsible for a $25 co-payment, after which coinsurance will apply.
– co-payment is waived for members with a $0 deductible
– not subject to deductible
Claims incurred outside the U.S.
No co-payment
Travel Delay Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.– not subject to deductible
Political Evacuation Up to $500 – not subject to deductible or coinsurance
Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days – not subject to deductible or coinsurance
Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day. Must be ordered in advance by a physician. – not subject to coinsurance
Terrorism Up to $50,000 lifetime maximum. Eligible medical expenses only.
Personal Liability Up to $10,000 lifetime maximum
Up to $10,000 third person injury
Up to $10,000 third person property
Up to $2,500 related third person property
Not subject to deductible or overall maximum limit.
Hospital Indemnity $100 per day of inpatient hospitalization – not subject to deductible or coinsurance
Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border
– not subject to deductible
Emergency Room Co-payment Claims incurred in U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness you are admitted to the hospital.
There will be no copayment for emergency room treatment of an injury.
Claims incurred outside the U.S.
No co-payment

Hospital Room and Board

Average semi-private room rate, including nursing services.

Overall Maximum Limit

Age 80 or older - $10,000; Age 70 to 79 - $50,000, $100,000, or $250,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.

Emergency medical evacuation

$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or coinsurance)

Accidental Death & Dismemberment

Ages 18 through 69- $50,000 Lifetime Maximum.
Under age 18- $25,000 Lifetime Maximum.
Ages 70 through 74- $12,500 Lifetime Maximum.
Ages 75 and older- $6,250 Lifetime Maximum.
Subject to a maximum of $250,000 any one family or group (not subject to deductible or overall maximum limit).

Intensive Care Unit

Up to the overall maximum limit.

All Other Eligible Medical Expenses

Up to the overall maximum limit.

Local ambulance

Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient

Trip interruption

Up to $10,000 – not subject to deductible or coinsurance

Lost checked luggage

Up to $500 – not subject to deductible or coinsurance

Repatriation of remains

Up to the overall maximum limit – not subject to deductible or coinsurance

Emergency dental (acute onset of pain)

Up to $250 – not subject to deductible or coinsurance

Emergency Eye Exam for a Covered Loss

Up to $150. $50 deductible per occurrence (plan deductible is waived).

Common Carrier Accidental Death

Ages 18 through 69- $50,000
Under age 18- $25,000
Ages 70 through 74- $12,500
Ages 75 and older- $6,250
Subject to a maximum of $250,000 any one family or group (not subject to deductible or overall maximum limit).

Bedside Visit

Up to $1,500 – not subject to deductible or coinsurance.

Return of Minor Children

Up to $50,000 – not subject to deductible

Pet Return

Up to $1,000. Not subject to deductible.

Emergency Reunion

Up to $100,000, subject to a maximum of 15 days – not subject to deductible

Urgent Care Center

Claims incurred in U.S.
For each visit, you shall be responsible for a $25 co-payment, after which coinsurance will apply.
– co-payment is waived for members with a $0 deductible
– not subject to deductible
Claims incurred outside the U.S.
No co-payment

Travel Delay

Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.– not subject to deductible

Political Evacuation

Up to $500 – not subject to deductible or coinsurance

Natural Disaster – Replacement Accommodations

Up to $250 a day for 5 days – not subject to deductible or coinsurance

Outpatient Physical Therapy and Chiropractic Care

Up to $50 maximum per day. Must be ordered in advance by a physician. – not subject to coinsurance

Terrorism

Up to $50,000 lifetime maximum, eligible medical expenses only.

Personal Liability

Up to $10,000 lifetime maximum
Up to $10,000 third person injury
Up to $10,000 third person property
Up to $2,500 related third person property
Not subject to deductible or overall maximum limit.

Hospital Indemnity

$100 per day of inpatient hospitalization – not subject to deductible or coinsurance

Border Entry Protection

Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border
– not subject to deductible

Emergency Room Co-payment

Claims incurred in U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness you are admitted to the hospital.
There will be no copayment for emergency room treatment of an injury.
Claims incurred outside the U.S.
No co-payment

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