Atlas Travel Series - Overseas Medical Insurance
Whether medical insurance is provided by your employer or not this is a policy worth considering.
You may arrive at your destination to find that your checked luggage with personal items has disappeared.
A personal emergency may necessitate your early return to your Home Country.
A medical emergency may require hospitalization or even air evacuation.
In most cases your existing insurance will not provide adequate protection for these and other risks and in most cases the coverage that may be provided through your employer may not start for a certain period.
GET COVERED. BE SMART.
Without appropriate travel insurance, you may be exposed to significant financial liability or you may put unnecessary burden or implication on your family. This is not meant to scare you into getting coverage. This is purely meant to bring to your attention the reality of the situation and the implication of travelling overseas without appropriate safety measures in place.
Am I Eligible?
14 days of age or older
if under 70 – you may select you Overall Maximum Limit ranging from $50,000 to $1,000,000
if you are 70 – 79, the Overall Maximum Limit available is $50,000
if you are age 80 or older, the Overall Maximum Limit available is $10,000
the minimum coverage period is 5 days and the maximum initial coverage period is 12 months.
Does the Atlas Travel Series provide any Home Country coverage?
Yes. Under certain circumstances, the Atlas Travel Series will provide limited Home Country Coverage.
Summary of Definitions
Incidental Home Country Medical Coverage – for every 3 months of coverage purchases, the Atlas Series provides US citizens up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to the Home Country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.
Benefit Period Medical Coverage – if you started a Benefit Period while this insurance was in effect, you are covered for Medical expenses only for the duration of the Benefit Period, regardless of whether you are at home or abroad. Your Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days.
End of Trip Home Country Medical Coverage – If you are covered under the Atlas Series and outside of your Home Country continuously (expect for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage.
Home Country Defined – If you are a US citizen, your Home Country is the United States, regardless of the location of you Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail. |
