MultiNational Underwriters
Atlas Professional is the appropriate choice for corporate executives and other professionals who require travel medical insurance coverage for numerous trips during the year.
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.
What is Covered?
All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. 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.
Why Buy Travel Insurance?
The answer is easy. Whether you travel for business or pleasure, international travel involves risk. You may arrive at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance will not provide adequate protection for these and other risks. Without appropriate travel insurance, you may be exposed to significant financial liability. HCCMIS can’t take the risk out of international travel, but if the unforeseen happens, we will be there to help you.
Am I Eligible for Atlas Professional?
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.
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 Certificate Period is 12 months. During the Certificate Period, you are covered for all trips of 30 days duration or less outside your Home Country. Coverage is effective the moment you depart your Home Country and ends the moment 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.
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 .
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