| Insurance Providers |
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| Coinsurance |
Not Available |
In PPO: Plan pays 75% of eligible expenses after the deductible to the overall maximum limit.
Out PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
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| Length of coverage |
5 days to 2 years |
364 days |
| Renewability |
Up to 24 months |
364 days. |
| Medical Benefits |
| Hospital room and board |
Lite: Up to $825 max per day 30 day max per period of coverage
Plus: Inpatient - Up to $1.4K max per day 30 day max per period of coverage
Platinum: Inpatient - Up to $2K max per day 30 day max per period of coverage |
Average semi-private room rate, including nursing services |
| Intensive care unit |
Lite: Inpatient - Up to an additional $400 max per day, 8 day max per period of coverage
Plus: Inpatient - Up to an additional $660 max per day, 8 day max per period of coverage
Platinum: Inpatient - Inpatient - Up to an additional $850 max per day, 8 day max per period of coverage |
Up to the overall maximum limit. |
| Surgery |
Lite: In-Patient & Outpatient - Up to $2K max per surgical session
Plus: In-Patient & Outpatient - Up to $3.3K max per surgical session
Platinum: In-Patient & Outpatient - Up to $5,500 max per surgical session |
Not Available |
| Physician visits |
Lite: $40 max per visit, 30 max visits per period of coverage
Plus: $60 max per visit, 30 max visits per period of coverage
Platinum: Up to $85 max per visit, 30 max visits per period of coverage |
Not Available |
| Prescription Drugs and Medications |
Lite: Up to $250 per period of coveragee
Plus: Up to $250 per period of coverage
Platinum: Up to $250 per period of coverage |
Not Available |
| Emergency Services |
| Emergency local ambulance |
Lite: Up to $250 max per period of coverage
Plus: Up to $450 max per period of coverage
Platinum: Up to $475 max per period of coverage |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
| Hospital emergency room |
Lite: Up to $825 max per day 30 days maximum coverage
Plus:Up to $1.4K max per day 30 days maximum coverage
Platinum: Up to $2K max per day 30 days maximum coverage |
Claims incurred in the U.S.: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S.: No co-payment.
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| Dental |
| Emergency dental treatment |
Up to $550 max per period of coverage or unexpected pain to sound natural teeth |
Not Available |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Lite: $25K max per coverage period (subject to sub-limits)
Plus: $50K max per coverage period (subject to sub-limits)
Platinum: $100K max per coverage period (subject to sub-limits)
Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25K max per period of coverage |
Not Available |
| Evacuation |
| Emergency medical evacuation |
Lite: Up to $25K max
Plus: Up to $50K max
Platinum: Up to $50K max |
$1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Return of mortal remains or cremation/burial |
Lite: $25K max with $5K max for Cremation/Burial
Plus: $25K max with $5K max for Cremation/Burial
Platinum: $25K max with $5K max for Cremation/Burial |
Not Available |
| Local Burial or Cremation |
Up to $5K lifetime maximum |
Up to $5K lifetime maximum |
| Repatriation of remains |
Not Available |
Up to $25K lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit) |
| Natural disaster evacuation |
$25k maximum limit. Not subject to deductible (Must be approved in advance by the company) |
Economy: $5k per Policy Period
Basic: $5k per Policy Period
Silver: $7.5k per Policy Period
Gold: $7.5k per Policy Period
Platinum: $10k per Policy Period
Diamond: $5k per Policy Period
Diamond Plus: $5k per Policy Period |
| Unique Advantages |
- Cheaper Plan.
- Pre-existing rider: Covered for Stroke or Myocardial Infraction (Heart Attack), up to $5K per period of coverage for ages 0-69 and up to $2.5K per period of coverage for 70+ travelers.
- Only plan that offers extended care facility ( Lite is $150/day, Plus is $200/day and Platinum is $250/day up to 15 days per policy period)
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- It is a comprehensive plan.
- Atlas Essential is for budget-conscious travelers.
- provides coverage for the basic necessities as you travel outside of your home country.
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| Travel Insurance |
| Underwriter |
Sirius International |
Lloyd's |
| Rating |
"A" (Excellent) |
A++ (Superior) Standard & Poor’s Rating: AA- |
| Brochure and Details |
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