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COMPLETE BROCHURE & RATES
of
Atlas
ProfessionalSM
The Atlas Professional is available to
executives, business travelers, and frequent 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.
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.
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 are under age 66 and you
maintain medical insurance that covers you while you are in your Home
Country, you are eligible for Atlas Professional. Your Spouse under age 66
and dependent children who are at least 14 days up through age 18 may also
be covered, provided they too maintain medical insurance that covers them
while they are in their Home Country. The Overall Maximum Limit is
$1,000,000 per person.
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?
If you started a Benefit Period
during a covered trip, 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.
What Is Covered?
Limits apply to all benefits (See Schedule of
Benefits and Limits):
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, but
excluding nebulizers, oxygen tanks, diabetic supplies and all devices
for repeat use at home.
- 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 inpatient
hospitalization.
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Let us
help you when you need help most: |
- Prescription
Drug Replacement
- Emergency Travel Arrangements
- Dispatch of Physician
- Credit Card/Traveler Check
Replacement
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Complications of Pregnancy:
Treatment of Complications of Pregnancy during
the first 26 weeks of Pregnancy is covered under this insurance.
Complications of Pregnancy is defined as: Illnesses whose diagnoses are
distinct from Pregnancy, but are adversely affected by Pregnancy or caused
by Pregnancy, and not associated with a normal Pregnancy. This includes:
ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia,
eclampsia, missed abortion and conditions of comparable severity.
Hospital Indemnity:
If you are hospitalized as an Inpatient for
treatment of a covered Illness or Injury, the Atlas Professional plan will
provide $100 for each night you spend in the hospital. This benefit is in
addition to payments for other covered expenses and is not subject to
Deductible or Coinsurance.Acute Onset of
a Pre-Existing Condition:
If you experience an Acute Onset of a
Pre-existing Condition during a covered trip, you are covered for up to
$5,000 Lifetime Maximum for Medical expenses plus $25,000 Lifetime Maximum
for Emergency Medical Evacuation expenses. The conditions for Emergency
Medical Evacuation benefits, as described herein, must be met in order for
this benefit to be available. 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.
Emergency Dental:
The following Emergency Dental expenses are
covered: 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 subject to the Overall Maximum Limit; and
Emergency Dental treatment necessary to resolve acute, spontaneous and
unexpected onset of pain subject to a maximum benefit of $100.
Political Evacuation:
If the United States government issues a travel
warning that becomes effective after your arrival in your destination
country, the plan will provide for transportation to the nearest place of
safety or for return to your Home Country. You must contact HCCMIS within 10
days of the date the travel warning is issued and the evacuation must be
approved in advance and coordinated by the Plan Administrator.
Emergency Medical Evacuation:
If recommended by your attending Physician,
who certifies that Evacuation is necessary to safeguard your life and that
Medically Necessary treatment is not available locally, and if approved in
advance and coordinated by HCCMIS, the Atlas Professional plan will provide
the following benefits: Emergency air and/or ground transportation to the
nearest Hospital that is qualified to provide the Medically Necessary
treatment.
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Medical Monitoring
Consultations with attending medical
professionals during your hospitalization and establishment of a
single point-of-contact for family members to receive ongoing
updates regarding your medical status.
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Emergency Reunion:
In the event of a covered Emergency Medical
Evacuation, 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
Medical Evacuation and reasonable expenses for lodging and meals for your
relative, for a period not to exceed 15 days.
Return of Minor Children:
If you are the only person age 18 or older, traveling
with one or more children under the age of 18, who are also covered by Atlas
Professional, and you are Hospitalized for treatment of a covered Illness or
Injury resulting in the children being left unattended for a period of time
expected to exceed 36 hours, Atlas Series will provide the following
benefit: The cost of a one-way economy air and/or ground transportation
ticket for each covered child to the terminal serving the area of Principal
Residence of each covered child.
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Travel
Document Replacement
Assistance with obtaining
replacement passports, birth certificates, visas, airline
documents, and other travel-related documents.
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Accidental Death and Dismemberment:
In the event of your Accidental Death (except while
traveling on a common carrier) or Dismemberment resulting from a covered
Injury, Atlas Professional will provide the following benefit:
- Accidental Death – Principal Sum to the
Beneficiary designated on your Application
- Loss of 2 eyes or 2 or more limbs – Principal
Sum to you
- Loss of 1 eye or 1 limb – One-half of the
Principal Sum to you
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Age |
Principal Sum |
| 14 days
to 17 years |
$5,000 |
| 18 to 65 |
$25,000 |
The Accidental Death and Dismemberment benefit
is deleted during participation in a hazardous sport.
The Accidental Death and Dismemberment benefit is doubled in the event
of loss resulting from Hijacking, Kidnapping or attempted Kidnapping.
All Accidental Death and Dismemberment benefits are subject to a maximum
of $250,000 per family.
Common Carrier Accidental Death:
In the event of your Accidental Death while traveling
on board a commercial common carrier (except during a Hijacking), the Atlas
Professional will provide the following benefit: Principal Sum of $50,000
($25,000 for children under age 18) to the Beneficiary designated on your
Application, subject to a maximum of $250,000 per family.
Repatriation of Remains:
In the event of a covered Injury or Illness resulting
in your death, 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.
Natural Disaster:
In the event of natural disaster (hurricane, flood,
tornado, tsunami, etc) Atlas Professional will provide up to $100 a day for
up to 5 days for replacement accommodations if you are Displaced from
planned, paid accommodations due to evacuation from forecasted disaster or
following a disaster strike. Displaced is defined as required to depart the
destination due to an evacuation ordered by prevailing authorities. Proof of
paid accommodations must be submitted at time of claim.
Trip Interruption:
- If, after you have departed, 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,
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
- If, following a covered Emergency Medical
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, 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.
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Provider Referrals
Contact
information for Western-style medical facilities and medical and
dental practices and pharmacies in your destination country
where English is spoken.
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Lost Checked Luggage:
In the event your checked luggage is permanently lost
by the carrier, 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 copies of all claim forms and proof that the
transportation provider has paid you its normal reimbursement for the lost
checked luggage.
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Lost
Luggage Assistance
Tracking service
to assist in locating luggage or other items lost in transit.
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Travel
Assistance
Travel Assistance
Services are available to you 24 hours a day, 7 days a week
while your Atlas plan is in effect. In addition to the services
already described, the following services are included:
- Embassy and consulate referrals
- Legal and accounting referrals
- Bail bond assistance
- Translation and interpretation
assistance
For a complete list of
available assistance services or for more information, please
contact our office.
Atlas Professional Travel
and Medical Assistance Services are not insurance benefits. Any
Assistance Service provided is not a guarantee of any other
benefit under Atlas Professional.
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Schedule of Benefits and
Limits |
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Benefit |
Limit |
| Deductible:
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$250 per person, per trip |
| Coinsurance
– Claims incurred in US or Canada: |
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.
Coinsurance will be waived if expenses are incurred
within the PPO and expenses are submitted to
Underwriters for review and payment directly to the
provider. |
| 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 |
| Hospital
Room and Board: |
Average Semi-private room rate,
including nursing services |
| Local
Ambulance: |
Usual, Reasonable and Customary
charges when Covered Illness or Injury results in
hospitalization |
| Hospital
Indemnity: |
$100 per day (not subject to
Deductible or Coinsurance) |
| Intensive
Care Unit: |
Usual, Reasonable and Customary
charges |
| Outpatient
Treatment: |
Usual, Reasonable and Customary
charges |
| Acute Onset
of Pre-existing Condition: |
$5,000 Maximum Lifetime Limit for
Eligible Medical Expenses
$25,000 Maximum Lifetime Limit for Emergency Medical
Evacuation |
| Emergency
Dental: |
Accident – Overall Maximum Limit
Acute Onset of Pain – $100 limit per Certificate Period
(not subject to Deductible or Coinsurance) |
| Emergency
Medical Evacuation: |
$500,000 Maximum Lifetime Limit
(not subject to Deductible or Coinsurance) |
| Emergency
Reunion: |
$15,000 limit per Certificate
Period (not subject to Deductible or Coinsurance) |
| Return of
Minor Children: |
$5,000 limit per Certificate
Period (not subject to Deductible or Coinsurance) |
| Accidental
Death and Dismemberment: |
Not subject to Deductible or
Coinsurance
Lifetime Maximum - $25,000 adult; $5,000 children
Death - $25,000 adult, $5,000 children under age 18;
Loss of 2 Limbs - $25,000 adult, $5,000 children under
age 18; Loss of 1 Limb - $12,500 adult, $2,500 children
under age 18; $250,000 Maximum per family |
| Common
Carrier Accidental Death: |
Not subject to Deductible or
Coinsurance
$50,000 per adult, $25,000 children under age 18;
$250,000 Maximum per family |
| Repatriation
of Remains: |
Overall Maximum Limit (not subject
to Deductible or Coinsurance) |
| Natural
Disaster Benefit: |
Up to $100 a day for 5 days when
Displaced from planned, paid accommodations due to
evacuation from forecasted disaster or following a
disaster strike (not subject to Deductible or
Coinsurance) |
| Trip
Interruption: |
$5,000 limit per Certificate
Period (not subject to Deductible or Coinsurance) |
| Lost Checked
Luggage: |
$250 limit per Certificate Period
(not subject to Deductible or Coinsurance) |
| Hospital
Pre-certification Penalty: |
50% of Eligible Medical Expenses |
| Optional
Sports Rider: |
Overall Maximum Limit |
| Political
Evacuation: |
$10,000 Maximum Lifetime Limit
(not subject to Deductible or Coinsurance) |
| Terrorism: |
$50,000 Maximum Lifetime Limit,
Medical Expenses only |
| Maximum per
Injury / Illness |
$1,000,000 |
| Overall
Maximum Limit per Certificate Period (does not include
Emergency Medical Evacuation) |
$1,000,000 |
What Is Excluded?
The following
charges, treatments, surgeries, medications, conditions and circumstances:
- For US citizens/residents, all charges
incurred in the United States of America, including Puerto Rico and the
U.S. Virgin Islands, except for US citizens who have started a Benefit
Period. This exclusion also applies to all non-US citizens/residents
electing coverage excluding the US.
- Charges resulting directly or indirectly from
any Pre-existing Condition, as herein defined, are excluded from this
insurance, except for 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 (1) condition for which medical advice,
diagnosis, care, or treatment (includes receiving services and supplies,
consultations, diagnostic tests or prescription medicines) was
recommended or received during the 2 years immediately preceding the
Certificate Effective Date; (2) condition that had manifested itself in
such a manner that would have caused a reasonably prudent person to seek
medical advice, diagnosis, care, or treatment (includes receiving
services and supplies, consultations, diagnostic tests or prescription
medicines) within the 2 years immediately preceding the Certificate
Effective Date; (3) injury, illness, sickness, disease, or other
physical, medical, mental, or nervous conditions, disorder or ailment
(whether known or unknown) that, with reasonable medical certainty,
existed at the time of application or within the 2 years immediately
preceding the Certificate Effective Date. For the purposes of the
Complications of Pregnancy coverage offered hereunder, Pregnancy will
not be included within the definition of a Pre-existing Condition. An
Acute Onset is a sudden and unexpected outbreak or recurrence of a
Pre-existing Condition, that 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 related to birth defects and
congenital illnesses. Birth defects are deemed to include hereditary
conditions
- Routine pre-natal care, childbirth, care of
newborns, post-natal care, birth control, artificial insemination,
infertility, impotency or sexual dysfunction, sterilization or reversal
thereof.
- False labor, edema, prolonged labor,
prescribed rest during the period of Pregnancy, morning sickness and
conditions of comparable severity associated with management of a
difficult Pregnancy, and not constituting a medically distinct
Complication of Pregnancy, and all charges related to Pregnancy after
the 26th week of Pregnancy.
- Mental Health Disorders or Substance Abuse.
- Charges which are 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 treatment of any condition(s) when
the purpose of departing the Home Country was to obtain treatment in the
destination country/countries.
- Charges for use of Emergency Room within the
US 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, 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, and treatment of individuals
who are HIV+ or have AIDS or ARC, and all diseases caused by and/or
related to HIV
- Treatment by a Chiropractor.
- Treatment for acne, other acne, moles, skin
tags, diseases of sebaceous glands, seborrhea, sebaceous cyst,
unspecified disease of sebaceous glands, hypertrophic and atrophic
conditions of skin, nevus.
- 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.
- Corrective devices and medical appliances,
including dentures or dental appliances, eyeglasses, vision exams,
contact lenses, hearing tests, 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 resulting from participation in the
following activities: Amateur Athletics, Contact Sports,
intercollegiate, interscholastic, intramural, club, and professional
sports or athletic activities. Non-contact and
non-organized/non-sanctioned amateur sports or athletic activities
engaged in by the Member solely for leisure, recreational, entertainment
or fitness purposes are not excluded except the following, which are
excluded: Mountaineering where a reasonably prudent person would use
ropes or guides 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 activity which is undertaken for thrill
seeking and exposes you to abnormal 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.
- Costs resulting from self-inflicted Injury or
Illness and/or suicide or attempted suicide whether sane or insane and
routine medical examinations, including but not limited to vaccinations,
immunizations, annual check-ups, the issue of medical certificates and
attestations, and examinations as to the suitability of employment or
travel
- The Deductible, Coinsurance and charges which
are not included as Eligible Expenses as described in the Master Policy,
and charges which exceed the limits set forth in the Schedule of
Benefits and 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 or Political
Evacuation, Repatriation of Remains, Emergency Reunion, Return of Minor
Children, Natural Disaster 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 of all forms of cancer/neoplasm.
This is a summary of exclusions. For more details, or for a complete copy
of the Master Policy, contact our office.
What If I Plan to Participate
in a Sport or Athletic Activity that is Excluded?
The Optional Sports
Rider is available for the adventurous traveler. This Rider adds coverage
for the Amateur sports listed in exclusion #20. The maximum coverage under
this Rider is the Overall Maximum Limit you select. The Accidental Death and
Dismemberment benefit is deleted during the course of the activity.
Atlas Terrorism Rider
The Optional Atlas Terrorism Rider provides
Medical coverage for Injuries and Illnesses resulting from an Act of
Terrorism, subject to a $50,000 lifetime maximum, provided all of the
following conditions are met:
- The Injury or Illness does not result from
chemical, nuclear or biological weapons or events.
- You have no direct or indirect involvement in
the Act of Terrorism.
- The Act of Terrorism is not in a country or
location where the United States government has issued a travel warning
that has been in effect within the 6 months prior to your date of
arrival.
- You have not unreasonably failed or refused to
depart a country or location following the date a warning to leave that
country or location is issued by the United States government.
An Act of Terrorism is defined as: an act,
including but not limited to, the use of force or violence and/or the threat
thereof, of any person or group(s) of persons, whether acting alone or on
behalf of or in connection with any organization(s) or government(s)
committed for political, religious, ideological or similar purposes
including the intention to influence any government and/or to put the
public, or any section of the public, in fear.
What Are the Pre-Notification
Requirements?
Hospitalizations, Surgeries,
Emergency and Political Evacuations, Emergency Reunions, Trip Interruptions,
Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic
Resonance Imaging (MRI) must be Pre-certified. Simply call, or have your
Physician call, HCCMIS with the information relative to your claim. You may
also pre-certify by submitting details through Client Zone. Be sure to have
your ID number available. If you do not Pre-certify, medical expenses will
be reduced by 50% and all other expenses will be forfeited.
Who Is The Insurer?
Atlas Professional is insured by
Syndicate 4141 at Lloyd's, London. Lloyd's is the largest and oldest
insurance market in the world and is rated “A (Excellent)” by A.M. Best
Company and “A+ (Strong)” by Standard & Poor's. 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 by the Plan Administrator 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 sûr! Have a safe trip!
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Experience
If you have any questions, please contact our friendly
specialists.