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|
 Underwriter |
Atlas America Insurance Underwriter
Underwritten by Lloyds, London |
Atlas Premium Insurance Underwriter
Underwritten by Lloyds, London |
 Rating |
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
Atlas Premium Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
 Medical Maximum Options |
| 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.
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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. |
 Deductible Options |
| $0, $100, $250, $500, $1,000, $2,500 or $5,000 |
$0, $100, $250, $500, $1,000, $2,500, or $5,000 |
 Acute Onset of Pre-existing Condition |
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions) |
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
|
 Coinsurance |
| Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
Coverage outside US
We 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. |
Average semi-private room rate, including nursing services. |
 Local Ambulance |
| Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient |
| Hospital Indemnity |
| $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
 Terrorism |
| Up to $50,000 lifetime maximum for eligible medical expenses only. |
Up to $50,000 lifetime maximum, eligible medical expenses only. |
 Emergency Dental (acute onset of pain) |
| Up to $300 (not subject to deductible or coinsurance). |
Up to $300 (not subject to deductible or coinsurance). |
 Emergency Medical Evacuation |
| $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. |
Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition.
Not subject to deductible or overall maximum limit |
 Accidental death & dismemberment |
| Under age 18 years - Up to $5,000; 18 to 69 years - Up to $50,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum; $250,000 maximum benefit any one family or group(not subject to deductible or coinsurance). |
Under age 18 years - Up to $5,000; 18 to 69 years - Up to $100,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum; $250,000 maximum benefit any one family or group (Excludes loss due to common carrier accident) |
| Return of Minor Children |
| Up to $50,000 (not subject to deductible or coinsurance). |
Up to $50,000 (not subject to deductible or coinsurance). |
 Repatriation of Remains |
| Up to the overall maximum limit (not subject to deductible or coinsurance). |
Up to the overall maximum limit (not subject to deductible or coinsurance). |
 Emergency Reunion |
| Up to $100,000, subject to a maximum of 15 days (not subject to deductible or coinsurance). |
Up to $150,000, subject to a maximum of 15 days (not subject to deductible or coinsurance). |
| Trip Interruption |
| Up to $10,000 (not subject to deductible or coinsurance) |
Up to $15,000 (not subject to deductible or coinsurance) |
 Trip Delay |
| Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance).
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Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance).
|
| Political Evacuation |
| Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). |
Up to $150,000 lifetime maximum. (not subject to deductible or coinsurance). |
 Natural Disaster - Replacement Accommodations |
| Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
Up to $500 a day for 5 days (not subject to deductible or coinsurance). |
 Optional Personal Liability Rider |
| Up to $90,000 lifetime maximum - not subject to deductible or overall maximum limit. |
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