Atlas Travel Insurance - HCC Medical Insurance Services

    Atlas Travel® Insurance

 

Why I Need An Atlas Travel Plan

A plan from HCC Medical Insurance Services (HCCMIS) is with you almost anywhere on the planet you may travel for vacation, studying abroad, corporate travel, mission trips or extreme sports adventures. Atlas Travel insurance provides international travel medical insurance for periods of travel between 5 and 364 days. Oftentimes the primary insurance you rely on in your home country will not cover you while you are abroad. HCC Medical Insurance Services offers the Atlas Travel Series, one of the industry’s leading international insurance products, to protect you while traveling outside your home country.

Key Benefits of Atlas Travel Insurance

 

Covered Benefits	Included with Atlas Travel insurance
Guaranteed Acceptance	Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.
Coverage for pre-existing conditions	Partially: Up to $100,000 lifetime life for the eligible medical expense for the acute onset of a pre-existing condition. See the Description of Coverage for more details.
100% coverage for accidents and injuries outside the U.S.	Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.
100% coverage for accidents and injuries within the U.S	Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details
Sports coverage at no additional charge	Yes: Coverage for eligible injuries or illnesses related to sports activities,. See the Description of Coverage for limitations.
Emergency medical evacuations available 24/7	Yes, $500,000 in coverage regardless of policy maximum
Complete online enrollment capabilities & immediate fulfillment	Yes: Selecting "Yes" to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved.

Do I need travel medical insurance?

Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas Travel includes these essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.At HCCMIS we provide 24/7 customer service for our Atlas Travel insurance members. We also offer several different kinds of travel assistance services like emergency travel arrangements. In the event of medical emergencies, political evacuations, and natural disasters, we will provide you with assistance in making emergency travel arrangements.

Who Would Benefit From An Atlas Travel Plan?

 

Adventurers or Vacationers Going Overseas

 

 

Business Professionals

 

 

Missionaries

 

High School Students Studying Abroad

Atlas Travel Insurance: Plan Benefits

 

Benefit	Details
Deductibles	You choose $0, $100, $250, $500, $1,000 or $2,500 per Certificate Period
Coinsurance – Claims incurred in U.S. or Canada	80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. 100% of eligible expenses if the PPO network is used
Coinsurance – Claims incurred outside US or Canada	100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
Hospital Room and Board	Covered
Local Ambulance	Covered
Hospital Indemnity	$100 per day
Intensive Care Unit	Covered
Outpatient Treatment	Covered
Acute Onset of Pre-existing Condition (only available to age 70)	$100,000 lifetime limit for eligible medical expenses for all coverage maximum greater than $50,000; otherwise $50,000 Lifetime Limit for Eligible Medical Expenses $25,000 Lifetime Limit for Emergency Medical Evacuation
Physical Therapy	$50 Maximum per visit
All Other Eligible Medical Expenses	Usual, Reasonable and Customary charges
Emergency Dental	Acute Onset of Pain - $250 limit per Certificate Period (not subject to Deductible or Coinsurance) Accident - Overall Maximum Limit
Emergency Medical Evacuation	$500,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Emergency Reunion	$50,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Return of Minor Children	$50,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Political Evacuation	$10,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Terrorism	$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only
Accidental Death and Dismemberment (Not subject to deductible or coinsurance. Excludes loss due to Common Carrier Accident.)	Members age 18 to 69: Lifetime Maximum – $50,000 Death – $50,000 Loss of 2 Limbs – $50,000 Loss of 1 Limb – $25,000 Members under age 18: Lifetime Maximum – $5,000 Death – $5,000 Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500 Members age 70 to 74: Lifetime Maximum – $12,500 Death – $12,500 Loss of 2 Limbs – $12,500 Loss of 1 Limb – $6,250 Members age 75 and older Lifetime Maximum – $6,250 Death – $6,250 Loss of 2 Limbs – $6,250 Loss of 1 Limb - $3,125
Common Carrier Accidental Death	Members age 18 or older: $50,000 per Member Members under age 18: $25,000 per Member (Not subject to Deductible or Coinsurance. Subject to a Maximum of $250,000 for any one family.)
Repatriation of Remains	Overall Maximum Limit (not subject to Deductible or Coinsurance)
Natural Disaster Benefit	Maximum $100 a day for 5 days (not subject to Deductible or Coinsurance)
Trip Interruption	$5,000 limit per Certificate Period
Lost Checked Luggage	$250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Hospital Pre-certification Penalty	50% of Eligible Medical Expenses
Maximum per Injury / Illness	Age 80 or older: $10,000 (only available for Atlas International) Age 70 to 79: $50,000 or $100,000 All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000
Overall Maximum Limit per Certificate Period	Age 80 or older: $10,000 (Atlas International only) Age 70 to 79: $50,000 or $100,000 All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000