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COMPLETE BROCHURE & RATES
FOR
 tlas  rofessional
The Atlas Professional is available to
executives, business travelers who require a 12 month
comprehensive medical policy with coverage for multiple trips of 30 days duration
or less. If you maintain medical coverage in your home country,
the Atlas Professional is designed to take the risk out of your business travel.
 Rates &
Application at the bottom of this page.
Please read the Benefits & Exclusions of this plan carefully before submitting your application.
Why Buy Travel Insurance?
The answer is simple. International travel involves risk. You may
arrive at your destination only to find that your luggage with valuable personal items has
disappeared, a personal emergency may necessitate your early return to your Home Country,
or a medical emergency may necessitate hospitalization or even air evacuation. In most
cases, your existing insurance will not provide adequate protection to you for these and
other risks involved with international travel. Without appropriate travel insurance, you
can be exposed to significant financial liability. The Atlas Professional was designed
to take the risk out of international travel, so that you can have an enjoyable and
productive trip.
Am I Eligible For
The Atlas Series?
If you travel outside of your
Home Country, and you maintain medical insurance that covers you while you
are in your Home Country, you are eligible for Atlas Professional. If you
are under age 70, the Overall Maximum Limit is $1,000,000. If you are age 70
to 79, the Overall Maximum Limit is $50,000. If you are age 80 or older, the
Overall Maximum Limit is $10,000.
If you reside in Florida or have a mailing address in Florida, please contact
us at 877-211-3654 or Info@worldwidemedicalplans.com before
submit your application for Atlas Professional.
When Does Annual Coverage
Become Effective and When Does It End?
The Effective Date is the later of: the date we receive your Application
and correct premium or the date you request on your Application. The Period is 12 months.
During the Period, you are covered for all trips of 30 days duration or less outside your
Home country. Coverage is effective on the date you depart your Home Country, and ends on
the date you return to your Home Country. If you purchase coverage for your Spouse and/or
Dependents (under age 19), they are covered during the same time period as you as long as
they accompany you on your trip.
Does Atlas Professional Provide Any Home Country Coverage?
No. There is no coverage while you are in your Home Country. Atlas
Professional is available only to individuals who maintain Home Country medical coverage.
What Is Covered?
All benefits,
except Lost Checked Luggage, Accidental Death & Dismemberment and Common Carrier
Accidental Death, are subject to the Deductible and Coinsurance. Policy Limits apply to
all benefits:
Medical:
- Inpatient and Outpatient charges made by a
Hospital.
- Charges made by a Physician, surgeon, radiologist,
anesthesiologist, and any other medical specialist to whom the Physician has referred the
case.
- Charges made for dressings, sutures, casts or other
supplies prescribed by the attending Physician or specialist.
- Charges for diagnostic testing using radiology,
ultrasonographic or laboratory services.
- Charges for oxygen and other gases and anesthetics
and their administration.
- Charges for prescription drugs, for treatment of a
covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired
or otherwise compromised drugs.
- Charges made by a licensed Extended Care Facility
upon direct transfer from an acute care Hospital.
- Emergency local ambulance transport incurred in
connection with Injury or Illness resulting in hospitalization.
Emergency Dental:
- Emergency Dental treatment and Dental surgery
necessary to restore or replace sound natural teeth lost or damaged in an Accident which
is covered under this insurance.
- Emergency Dental treatment necessary to resolve
acute, spontaneous and unexpected onset of pain.
Emergency Evacuation: If
recommended by your attending Physician, who certifies that Evacuation is necessary to
safeguard your life or limb and that Medically Necessary treatment is not available
locally, and if approved in advance and coordinated by MultiNational Underwriters, Inc.,
the Atlas Professional will provide the following benefits: Emergency air and/or ground
transportation to the nearest Hospital that is qualified to provide the Medically
Necessary treatment.
Emergency Reunion: In the event of
a covered Emergency Evacuation, the Atlas Professional will provide the following
benefits: The cost of an economy round trip air and/or ground transportation ticket for
one of your Relatives (parent, spouse, sibling or child age 18 or older) for
transportation to the area where you are hospitalized following Emergency Evacuation, and
reasonable expenses for lodging and meals for your Relative, for a period not to exceed 10
days.
Trip Interruption:
- If, after you have departed your Home Country, you
learn of the death of a parent, spouse, sibling or child, or you learn of the substantial
destruction of your Principal Residence by fire or weather, the Atlas Professional will
provide the following benefit: The cost of an economy one way air and/or ground
transportation ticket for you to the area of your Principal Residence; or
- Following a covered Emergency Evacuation, the
attending Physician states that it is Medically Necessary for your return to your Home
Country or to the area from which you were initially evacuated for continued treatment,
recuperation and recovery, the Atlas Professional will provide the following benefit: The
cost of a one way economy air and/or ground transportation ticket for your transportation
from the area where you were hospitalized following the Emergency Evacuation, to the area
where you were initially evacuated from, or to the terminal serving the area of your
Principal Residence.
Repatriation of Remains: In the
event of a covered Injury or Illness resulting in your death, the Atlas Professional will
provide the following benefit: Air and/or ground transportation of bodily remains or ashes
to the area of your Principal Residence, and reasonable costs of preparation of your
remains necessary for transportation.
Lost Checked Luggage: In the event
your checked luggage is permanently lost by the carrier, the Atlas Professional will
provide the following benefit: Up to $250 for replacement of clothes and personal hygiene
items, not to exceed $50 for any one item. You must file a formal claim with the
transportation provider and provide the Plan Administrator with copies of all claim forms
and proof that the transportation provider has paid you its normal reimbursement for the
lost checked luggage.
Accidental Death and Dismemberment:
In the event of your Accidental Death (except while traveling in a common
carrier) or Dismemberment resulting from a covered Injury, the Atlas Professional will
provide the following benefit:
- Accidental Death ? Principal Sum of $25,000 to the
Beneficiary designated on your Application. The Principal Sum shall reduce by 50% (to
$12,500) if you are age 70 to 74 at time of Death, and an additional 50% (to $6,250) if
you are age 75 or older at time of Death.
- Accidental Dismemberment
a. Loss of 2 eyes or 2 or more limbs ?- Principal Sum of $25,000 to you.
b. Loss of 1 eye or limb ? One-half of the Principal Sum ($12,500) to you.
c. The Principal Sum(s) shall reduce by 50% if you are age 70 to 74 at time of
Dismemberment, and an additional 50% if you are age 75 or older at time of Dismemberment.
- The Accidental Death Dismemberment benefit is deleted
during participation in a hazardous sport
Common Carrier Accidental Death:
In
the event of your accidental death while traveling on board a commercial common carrier,
the Atlas Professional will provide the following benefit: Principal Sum of $50,000 to the
Beneficiary designated on your Application.
Atlas Professional Travel
Assistance Services:
The
following Travel Assistance Services are available to you 24 hours a day, 7 days a week
while your Atlas Professional plan is in effect.
Pre-Trip Health and Safety Advisories
(available after your purchase of the Atlas
Professional, and before your departure): call us for current passport, visa, inoculation
and vaccine requirements, as well as up-to-date travel safety advisories.
Livetravel Services:
we will make emergency travel and itinerary changes for you
including rebooking flights, hotel reservations and ground transportation arrangements.
BagTrak
: we are the industry leaders in tracking lost baggage. We will help you locate
your lost baggage, and deliver it to you anywhere in the world.
Emergency Message Relay:
we will relay messages to your family, friends and co-workers,
helping you to maintain contact during an emergency.
Emergency Cash Transfers: we will assist you in arranging and obtaining cash transfers
anywhere in the world.
Other important Atlas Professional Travel Assistance Services include:
- Medical referrals
- Up-to-the-minute travel medical advisories
- Assistance with prescription drug replacement
- Dispatch of a doctor or specialist
- Emergency travel arrangements for family members
- Lost passport or travel documents assistance
- Embassy and consulate referrals
- Legal and accounting referrals
- Bail bond assistance
- Translation and interpretation assistance
Atlas Professional Travel Assistance Services are
not insurance benefits and provision of any Atlas Professional Travel Assistance Services
is not a guarantee of any other benefit under the Atlas Professional plan.
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Schedule of Benefits and
Limits |
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Deductibles:
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$250 per person, per trip |
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Coinsurance - Claims incurred in US or Canada:
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For each trip, Underwriters will pay 80% of the next
$5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. |
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Coinsurance - Claims incurred outside US or
Canada: |
For each trip, Underwriters will pay 100% of
Eligible Expenses after the Deductible up to the Overall Maximum Limit. |
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Hospital Room and Board:
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Average Semi-private room rate, including nursing
services. |
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Intensive Care Unit:
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Usual, Reasonable and Customary charges |
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All Other Eligible Expenses:
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Usual, Reasonable and Customary charges. |
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Emergency Dental - Acute onset of pain:
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$100 limit per Certificate Period |
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Local Ambulance:
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Usual, Reasonable and Customary charges when Covered
Illness or Injury results in hospitalization |
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Emergency Evacuation:
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Overall Maximum Limit |
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Repatriation of Remains:
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Overall Maximum Limit |
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Emergency Reunion:
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$10,000 limit per Certificate Period |
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Trip Interruption:
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$5,000 limit per Certificate Period |
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Lost Checked Luggage:
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$250 limit per Certificate Period (not subject to
Deductible or Coinsurance) |
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Accidental Death and Dismemberment:
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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. |
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Common Carrier Accidental Death: |
$50,000 |
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Hospital Pre-Certification Penalty:
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50% of Eligible Medical Expenses. |
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Optional Hazardous Sports Rider: |
Overall Maximum Limit |
Overall Maximum Limit per Certificate Period
(includes all benefits except Accidental Death and Dismemberment and Common Carrier
Accidental Death):
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Age 14 days to 69 - $1,000,000.
Age 70 to 79 - $50,000
Age 80 or older - $10,000. |
What Is Excluded?
The following
charges, treatments, surgeries, medications, conditions and circumstances:
- Pre-existing Conditions ? Charges resulting directly
or indirectly from any Pre-existing Condition are excluded from this insurance, except, if
you purchase Atlas Extra or Atlas International, you are covered for charges resulting
from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule
of Benefits and Limits. A Pre-existing Condition is any Illness, Injury or medical
condition or chronic or recurring Illness or Injury or medical condition, including any
associated complications or consequences, which existed at or during the 5 years
immediately preceding your effective date. An Acute Onset 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.
- Treatment for or related to any congenital condition.
- Pregnancy, child birth, birth control, artificial
insemination, infertility, impotency or sexual dysfunction, sterilization or reversal
thereof.
- Mental Health Disorders or Substance Abuse.
- Not incurred during the Certificate Period or the
applicable Benefit Period, and charges which are not presented to Underwriters for payment
within 60 days from the end of the Certificate Period or the applicable Benefit Period.
- Charges for use of Emergency Room for treatment of
Illness unless the patient is directly admitted to the Hospital as Inpatient for further
treatment of that Illness.
- Not Medically Necessary and administered or ordered
by a Physician.
- Provided at no cost, or by a family member, or by a
person who ordinarily resides with you, or which are attributable to or recoverable from
any other party including government sponsored plans.
- Charges which exceed Usual, Reasonable and Customary.
- Investigational, Experimental or for Research
purposes.
- While confined primarily to receive Custodial Care,
Educational or Rehabilitative care.
- Venereal Disease, AIDS or ARC.
- Dental treatment, including treatment of the
temporomandibular joint, except for Emergency Dental treatment necessary to replace sound
natural teeth lost or damaged in an Accident covered hereunder or for the relief of Acute,
spontaneous and unexpected onset of pain.
- Eyeglasses, contact lenses, hearing aids, hearing
implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery
(including cataract surgery and radial keratotomy) or for any examination or fitting
related to these devices or procedures.
- Injury sustained while taking part in the following
activities: Amateur or professional sports or athletics, except this does not include
Amateur sports or athletics which are non-contact and undertaken solely for leisure,
recreational, entertainment or fitness purposes unless such sports or athletics are
otherwise excluded by this provision. The following are excluded: Mountaineering where
ropes or guides are normally used or at elevations of 4,500 meters or higher. Aviation,
except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky
diving, parachuting or bungee jumping; Snow skiing or snowboarding, except for
recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided
whilst skiing away from prepared and marked in-bound territories and/or against the advice
of the local ski school or local authoritative body); Racing by any animal or motorized
vehicle; and spelunking; and subaqua pursuits involving underwater breathing apparatus
unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less
than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken
for thrill seeking and exposes you to abnormal or extreme risk of injury.
- Injury sustained while under the influence of or due
wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in
accordance with treatment prescribed and directed by a Physician but not for the treatment
of Substance Abuse.
- Willfully self-inflicted Injury or Illness and
immunizations and Routine Physical Exams.
- The Deductible, and Coinsurance and charges which are
not included as Eligible Expenses as described in the Master Policy, and charges which
exceed the policy limits.
- Treatment required as a result of complications or
consequences of a treatment or condition not covered hereunder.
- Charges for travel or accommodations, except as
provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of
Remains, Emergency Reunion and Trip Interruption sections of this insurance.
- Treatment incurred as a result of exposure to
non-medical nuclear radiation and/or radioactive material(s).
- Organ or tissue transplants or related services.
- Acts of terrorism, war, insurrection, riot or any
variation thereof.
- Treatment by a Chiropractor.
- Diseases of the skin.
- Charges incurred in Home Country.
This is a summary of exclusions. For more
details, or for a complete copy of the Master Policy,
please contact our specialists.
What If I Plan to Participate
in a Sport or Athletic Activity that is Excluded?
The Optional Hazardous Sports Rider is available for the adventurous
traveler. This Rider adds coverage for the Amateur sports, listed in exclusion #15. The
maximum policy limit under this rider is the Overall Maximum Limit you select. The
Accidental Death and Dismemberment benefit is deleted during the course of the activity.
What Are the Pre-Notification
Requirements?
All Hospitalizations, Surgeries, Emergency Evacuations, Emergency
Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan)
and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply call, or have your
Physician call, the Plan Administrator with all information relative to your
claim. Be sure to have your ID number available. If you do not Pre-notify, medical
expenses will be reduced by 50%, and all other expenses will be forfeited.
Who Is The Insurer?
Lloyd's, the
largest and oldest insurance market in the world, is the insurer of the Atlas Series.
Rated A- by AM Best Company, and A by Standard and Poors, Lloyd's provides financial
strength and security that is unparalleled in the worldwide insurance market. Lloyd's is
recognized as a market leader in the accident and health insurance arena, and is
well-known for its innovative products and services. Presently, Lloyd's provides accident
and health insurance to millions of individuals in almost every country of the world.
Refund of Premium
Only if a written request is received prior to the policy's effective date. The premium is
non-refundable after that date.
Click
here for Instant Quote & Online Purchase
If you reside
in Florida or have a mailing address in Florida, please contact
us at 877-211-3654 or Info@worldwidemedicalplans.com before
submit your application for Atlas Professional.
Bon Voyage!
Haben Sie eine sichere
Reise! Abbia un viaggio sicuro!
”Tenga un viaje seguro! Ayez un
voyage sūr! Have a safe trip!
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