Atlas Group® Travel Insurance
The Atlas Group® Travel now automatically includes many new benefits, services and features that make it the best option for student groups, missionary organizations and corporations who travel internationally. The policy now includes a benefit to be used in case of Natural Disasters and improved coverage of Incidental Trips Home. This innovative product also includes coverage for Acts of Terrorism and Complications of Pregnancy. Non-US citizens traveling outside of the US will benefit from our updated rating structure. State of the art travel and emergency medical assistance services are part of every Atlas Group Travel Series plan. All of this with the same astonishing service you have come to expect from HCC Medical Insurance Services (HCCMIS), the leader in international travel medical insurance.
Is My Group Eligible for the Atlas Group® Travel?
If your group consists of a minimum of five travelers who are at least 14 days old traveling internationally for at least 5 days, your group is eligible. If your group members are under age 70, you may select the Overall Maximum Limit, ranging from $50,000 to $1,000,000. The Overall Maximum Limit for members age 70 to 79 is $50,000 or $100,000. The Overall Maximum Limit for members age 80 and older is $10,000. The minimum coverage period is 5 days and the maximum coverage period is 12 months. The same Overall Maximum Limit must be purchased for every member of your group under the age of 70. The same Deductible must be purchased for every member of your group.
When Does Coverage Become Effective and When Does it End?
Coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am US Eastern Standard Time on the date we receive your Application and payment (if Application and payment is made by mail), the moment the member departs from his or her Home Country or 12:01am US Eastern Standard Time on the date you request on your Application. Coverage will end on the earliest of: 12:01am US Eastern Standard Time on the last day of the period for which you have paid a premium, 12:01am US Eastern Standard Time on the date requested on your Application, or the moment of the member’s arrival upon return to their Home Country (unless the member has started a Benefit Period or is eligible for Home Country Coverage).
Does Atlas Group® Travel Provide any Home Country Coverage?
Yes. Under certain circumstances, the Atlas Group® Travel will provide limited Home Country Coverage
Incidental Home Country Coverage - For every 3 months of coverage purchased, Atlas Group® provides US citizens up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
Benefit Period Medical Coverage – If a member started a Benefit Period while this insurance was in effect, the member is covered for Medical expenses only for the duration of the Benefit Period, regardless of whether the member is at home or abroad. A Benefit Period begins on the first date the member receives a diagnosis or treatment of a covered Illness or Injury while outside his or her Home Country and lasts for 180 days.
End of Trip Home Country Medical Coverage – If your group is covered under Atlas Group® and members are outside of their Home Countries continuously (except for covered Incidental Trips as described above) for six (6) months or more, you may purchase an additional 30 days of End of Trip Home Country Medical Coverage for the group.
Home Country Defined - If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail.
Which Plan Should I Purchase?
U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age and traveling with a group of at least five (5) Members are eligible for coverage outside of their Home Countries, expect as provided under Home Country Coverage, under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.