Atlas insurance Covid - Atlas America insurance coverage for Coronavirus
Atlas America Covid insurance provides coronavirus coverage for eligible medical expenses resulting from COVID-19/SARS-CoV-2. Atlas insurance Coronavirus eligible expenses are medically necessary expenses that are not subject to another plan exclusion.
Note: Atlas America insurance purchased on or after July 15, 2020 do NOT exclude COVID-19 medical charges.
A good option for people visiting the US who have been here for some time and do not have a current insurance coverage.
An ideal plan for travelers who are on OPT and H4 status.
Comprehensive coverage plan with multiple PPO network providers (greater choice of hospitals and doctors).
Coverage for acute onset of Pre-Existing conditions up to $25,000 for emergency medical evacuation for customers under the age of 70 years.
The plan pays 100% (No co-insurance) of medical expenses if the services are rendered within the PPO network inside the USA.
Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
One time Deductible per certificate period.
Cancellation and refund of full premium before policy start date.
This Plan also covers Emergency Reunion, Return of Minor Children, Natural Disaster and Political Evacuation.
Atlas America automatically covers for all adventure sports so long as it is not undertaken for professional gain, money, or prize.
Optional Rider: Extra $50,000 coverage for AD&D at an additional price
This plan has a provision that a child under 9 is covered free with one parent. If both mother and father are buying the plan together then 2 kids under age 9 are covered free.One kid under age 10 per parent is covered free under this plan.
Plan highlights of American Atlas America insurance
Age 65 to 79:$50,000, $100,000.
All others:$50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Non-US Citizens traveling outside their home country.
Benefit Period: 90 days.
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Co-insurance: Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
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: Covers up to overall maximum limit or $100,000, whichever is lower.
Under age 70: Covers up to overall maximum limit.
Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
Plan benefits of Tokio Marine HCC Atlas America insurance, Atlas America plan details
Hospital room and boardAverage semi-private room rate, including nursing services.
Intensive care unitUp to the overall maximum limit.
Emergency room co-paymentClaims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S. - No co-payment.
Urgent care center co-paymentClaims incurred in the U.S. - Up to $15 co-payment. (co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S. - No co-payment.
Local AmbulanceUsual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Benefit Period90 days per certificate period.
Emergency Medical Evacuation$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remainsEqual to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor childrenUp to $50,000 (not subject to deductible or coinsurance).
Emergency ReunionUp to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Acute onset of pre-existing condition emergency medical evacuationCovers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Acute onset of pre-existing conditionUnder age 70: Covers up to overall maximum limit. Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Emergency dental (acute onset of pain)Up to $300 (not subject to deductible or coinsurance).
Accidental death & dismemberment
Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $25,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up : $25,000
Common carrier accidental deathUp to $50,000 for ages 18 through 69 Up to $10,000 under age 18 Up to $25,000 for ages 70 through 74 Up to $12,500 for ages 75 and older Maximum of $250,000 for any one family or group.
Emergency Eye Exam for a Covered LossUp to $150. $50 deductible per occurrence (plan deductible is waived).
Lost checked luggageUp to $1000 (not subject to deductible or coinsurance).
Trip interruptionUp to $10,000 (not subject to deductible or coinsurance).
Travel delayUp to $100 a day after a 12-hour delay period, maximum of 2 days.
Natural disasterUp to $250 a day for 5 days (not subject to deductible or coinsurance).
Political evacuationUp to $10,000 lifetime maximum (not subject to deductible or coinsurance).
TerrorismUp to $50,000 lifetime maximum for eligible medical expenses only.
Hospital indemnity$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Personal liabilityUp to $25,000 lifetime maximum Up to $25,000 third person injury Up to $25,000 third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit)..
Lost or Stolen Passport/Travel VisaUp to $100 – not subject to deductible
Outpatient physical therapy and chiropractic careUp to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Pet returnUp to $1,000 (not subject to deductible or coinsurance).
Bedside visitUp to $1,500 (not subject to deductible or coinsurance).
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses)Up to $10,000 (not subject to deductible or overall maximum limit).
Border Entry ProtectionUp to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible).
Local Burial or CremationUp to the overall maximum limit(not subject to deductible).