US Customer Support
Atlas America Insurance
(Worldwide Coverage including USA )
- Lloyds of London
- A+ (Excellent) by AM Best
- HCC Medical Insurance Services
- Non US citizens traveling outside their home country
- This plan is available for 364 days and can be renewed within this time period.
Plan provides home country coverage for US citizens inside US for a period of 15 days for a 3 month period and for Non US citizens coverage in their home country is provided for 30 days for a 3 month period
Unique Features
- Client zone for convenient renewal, printing of visa letter, reissuing ID cards, updating address information, claims information, and more
- Offers coverage up to $1 million for sudden and unexpected injury or sickness per policy period
- Up to $500,000 for emergency medical evacuation
- ONLY plan which covers complications of pregnancy in first 26 weeks of gestation
- Coverage for popular vacation sports like skiing, snowboarding, snorkeling, water skiing at no additional price
- H1B/H4 and F1 OPT visa holders can buy this plan
- Visitors are ALWAYS eligible for this plan, unless they are current green card holders
Advantages
- $0 deductible available
- Plan will pay 100% for claims outside USA and offers a low price for trips that do not include the US
- For claims in USA and within PPO there is no coinsurance
- Lifetime maximum of up to $100,000 for coverage of pre-existing conditions
- Coverage available for older travelers: $10,000 maximum for ages 80 and above and $50,000 for 70 - 79 years of age
- $250 dental coverage for sudden pain
Disadvantages
- Pre-existing conditions are not covered after 70 years of age
- Not available to applicants located in NY and MD at the time of purchase
- Not available to Canadian citizens while in Canada, nor to Australian citizens with an Australian home address
- $200 co payment for each use of emergency room without hospitalization
- Hospital pre-certification penalty of 50% of medical expenses
Coverage Example:
Policy maximum of the plan: $200,000
Deductible: $250
Coverage region: USA, claims incurred out of network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $250
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $60,000
Policy maximum of the plan: $200,000
Deductible: $250
Coverage region: USA, claims incurred out of network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $250
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $60,000
The following table shows the amount paid by the plan and the customer:
| Expense | Bill Amount | Customer pays | Plan Pays |
| First Visit to the Doctor due to Sudden Dental Pain | $250 | $250 (Since the deductible is $250) | $0 |
| Accidental hospitalization | |||
| Hospital Room and Board | $30,000 | $1,000 | $4,000 (coinsurance: 80% of first $5,000) + $25,000 |
| Other expense | $30,000 | $0 | $30,000 |
| Total: | $60,250 | $1,250 | $59,000 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden dental pain the bill amounts to $250 for a filling
- You will have to pay the full $250 as the chosen deductible is $250
- A few months later, you meet with a motor accident and get hospitalized to undergo a surgery for $60,000
- Now the plan will pay 80% of the first $5,000. ie. Company will pay $4,000 and you will pay $1,000
- The plan will then pay the remaining eligible expenses
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