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Atlas Group® Insurance For a group of 5 or more individuals

Atlas Group® Insurance


Atlas Group® Insurance is designed to meet the needs of groups of five or more individuals traveling outside their home country for short durations. Atlas Group® Insurance is available at discounted rates to both U.S. and non-U.S. citizens.

Atlas Group® Insurance includes the same benefits and services of our popular Atlas Travel health insurance plan at a 10% discount for groups or families of five or more. These features make the Atlas Group® travel health insurance plan a leading option for student groups, missionary organizations, and corporations who travel worldwide. By combining important medical benefits with key travel-related services, our group travel insurance plan offers you valuable financial protection and travel assistance for your group’s trip abroad.

Atlas Travel® quality benefits Acute Onset of Pre-Existing Conditions
Atlas Travel provides a limited benefit up to the medical coverage maximum lifetime for eligible medical expenses.If you are younger than 70 , you may be covered for an acute onset of a preexisting condition. This also includes a $25,000 lifetime maximum for emergency medical evacuation.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 Chronic and congenital conditions are excluded from coverage.

PLAN DETAILS
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.
Maximum per Injury / Illness 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.
Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Coinsurance – Claims incurred in U.S.
In-Network Payment Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network Payment Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Coinsurance - Claims incurred outside U.S. We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

BENEFIT LIMIT
Hospital Room and Board Average semi-private room rate, including nursing services.
Intensive Care Unit Up to the overall maximum limit
Local Ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Emergency Room Co-payment Claims incurred in the U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless 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
Urgent Care Center Co-payment Claims incurred in the U.S.
For each visit, you shall be responsible for a $15 co-payment.
– co-payment is waived for members with a $0 deductible
– not subject to deductible


Claims incurred outside the U.S.
No co-payment
Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day. Must be ordered in advance by a physician. – not subject to 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). - not subject to coinsurance
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.
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
All Other Eligible Medical Expenses Up to the overall maximum limit.
EMERGENCY TRAVEL BENEFITS LIMIT
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
Repatriation of Remains Up to the overall maximum limit - not subject to deductible or coinsurance
Local Burial or Cremation Up to $5,000 lifetime maximum - 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, coinsurance, or overall maximum limit
Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation
- not subject to deductible, coinsurance, or overall maximum limit
Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible or coinsurance
Bedside Visit Up to $1,500 - not subject to deductible or coinsurance
Return of Minor Children Up to $50,000 - not subject to deductible or coinsurance
Pet Return Up to $1,000 - not subject to deductible or coinsurance
Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible or coinsurance
Trip Interruption Up to $10,000 - not subject to deductible or coinsurance
Accidental Death & Dismemberment (excludes loss due to Common Carrier Accident)
Ages 18 through 69 Lifetime Maximum - $50,000
Death - $50,000
Loss of 2 Limbs - $50,000
Loss of 1 Limb - $25,000
Under age 18 Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
Ages 70 through 74 Lifetime Maximum - $12,500
Death - $12,500
Loss of 2 Limbs - $12,500
Loss of 1 Limb - $6,250
Ages 75 and older Lifetime Maximum - $6,250
Death - $6,250
Loss of 2 Limbs - $6,250
Loss of 1 Limb - $3,125
$250,000 maximum benefit any one family or group.
- not subject to deductible, coinsurance, or overall maximum limit
Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69) Lifetime Maximum - $50,000
Death - $50,000
Loss of 2 Limbs - $50,000
Loss of 1 Limb - $25,000
- not subject to deductible, coinsurance, or overall maximum limit
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
Lost Checked Luggage Up to $500 - not subject to deductible or coinsurance
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 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 or coinsurance
Natural Disaster - Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible or coinsurance
Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible or coinsurance
Personal Liability Up to:
$10,000 lifetime maximum
$10,000 third person injury
$10,000 third person property
$2,500 related third person property
- not subject to deductible, coinsurance, or overall maximum limit
Optional Personal Liability Rider Up to $90,000 lifetime maximum - not subject to deductible, coinsurance, or overall maximum limit