Plan Summary

Atlas Professional is the obvious choice for corporate executives and other professionals who require travel medical insurance coverage for numerous trips during the year.

Policy Maximum	Atlas Professional insurance plan offers benefit maximums of $1,000,000.
Deductible	US$250 per person, per trip.
Eligibility	- 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.
Co-insurance	Inside 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.	Outside US or Canada: For each trip, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
Coverage	- Hospital Room and Board - Hospital intensive care unit charges - Physician visits, surgeon, Private duty nurse fee	- Pre-admission tests - Diagnostics: X-Rays - Hospital emergency room - Prescription Drugs
Insurer	Lloyd's, the largest and oldest insurance market in the world, is the insurer of Atlas Professional.
Buy - Online	Apply & purchase online Atlas Professional Insurance
Brochure	Complete, mail/fax the Atlas Professional Insurance Brochure along with payment

Atlas Professional Insurance benefits

When you buy Atlas Professional, coverage is automatically in place for those last minute international trips. State of the art travel and emergency medical assistance services are part of every Atlas Professional policy. These features are accompanied by the same astonishing service you have come to expect from MultiNational Underwriters^®, the leader in international travel medical insurance.

Eligibility

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.

What is Covered?

All benefits, except Hospital Indemnity, Lost checked Luggage, Natural Disaster, Accidental Death and Dismemberment, and Common Carrier Accidental Death, are subject to the deductible. 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, 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 to treat 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 an Injury or Illness which resulted in inpatient hospitalization

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, Atlas Professional will provide $100 for each night you spend in the hospital. This benefit is in addition to the payments for other covered expenses and is not subject to the Deductible.

Acute Onset of a Pre-existing Condition:

If you are a US Citizen and experience an Acute Onset of a Pre-existing Condition during a covered trip, you are covered upto $5,000 for Medical Expense plus $25,000 for Emergency Medical Evacuation expenses. The conditions 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.

Exclusions:

The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:

For US citizens/residents, all charges incurred in the United States of America, including its territories and possessions, 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.
Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-Existing condition, as herein defined, are excluded from this insurance, except US citizens are covered for an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. Pre-existing Condition is any illness, injury or medical condition, or chronic or recurring illness, injury or medical condition, including any associated complications or consequences, which existed at or during the two (2) 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 24hours of the sudden and unexpected outbreak or recurrence.
Treatment for or related to any congenital condition
Routine pre-natal care, Pregnancy, child birth, 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, morning sickness and conditions of 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 and charges which are not presented to Underwriters for payment within 60 days from the end of the certificate period or 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, by a family member, or by a person who ordinarily resides with you, or 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 recieve Custodial Care, Educational or Rehabilitative Care
Venereal disease, and treatment of individuals who are HIV+ or have AIDS or ARC
Treatment by a Chiropractor
Diseases of the skin
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, eye exams, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, or visual eye training or eye surgery (including cataract surgery and radial kertotomy) 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 each 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; spelunking; subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompained 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 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 24. Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, Emergency Reunion, 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), and/or biological weapons, and/or chemical weapons
Organ or Tissue Transplants or related services
Acts of terrorism, war, insurrection, riot or any variation thereof including, but not limited to, contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause illness and/or death This is a summary of Exclusions. For more details, or for a complete copy of the Master Policy, contact MultiNational Underwriters®.

Distributed and Administered by MultiNational Underwriters, Inc.