US Customer Support
Atlas International Insurance
(Covers worldwide except USA and Canada)
- Lloyds of London
- A rated company by A.M. Best
- HCC Medical Insurance Services
- US Citizens and Non US Citizens who do require coverage in continental USA, Alaska, Hawaii, Puerto Rico and US Virgin Islands
- Applicants aged 14 days and above are eligible
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
Advantages
- No Coinsurance, Plan will pay 100% of the eligible expenses
- Covers acute onset of pre-existing conditions up to $100,000 lifetime maximum
- $250 dental coverage for sudden pain
- 10,000 coverage for travelers age 80+ years
- $50,000 coverage for travelers age 70-79 years
- Can be renewed up to 1 year
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: $100,000
Deductible: $100
Coverage region: USA, claims incurred inside the network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $100
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $55,000
Policy maximum of the plan: $100,000
Deductible: $100
Coverage region: USA, claims incurred inside the network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $100
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $55,000
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 | $100 | $100 (Since the deductible is $100) | $0 |
| Accidental hospitalization | |||
| Hospital Room and Board | $28,000 | $1000 | $4,000 (coinsurance: 80% of first $5,000) + $23,000 |
| Other expense | $27,000 | $0 | $27,000 |
| Total: | $55,100 | $1,100 | $54,000 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden dental pain the bill amounts to $100 for a filling
- You will have to pay the full $100 as the chosen deductible is $100
- A few months later, you meet with a motor accident and get hospitalized to undergo a surgery for $55,000
- Now the plan will pay 80% of the first $5,000. ie. Company will pay $4,000 and you will pay $1000
- The plan will then pay the remaining eligible expenses
Copyright © 2014 InsureUSvisitors.com