Atlas International Travel Medical Insurance
Atlas International Insurance is a comprehensive renewable travel medical plan for coverage outside America, purchase from 5 up to 364 days, includes Covid-19 benefits.
COVID-19 / SARS-CoV-2 / Coronavirus Atlas International plan includes coverage for testing/treatment of COVID19. For policies purchased on or after July 15th 2020, COVID-19 will be treated as any other eligible illness. The epidemic/pandemic exclusion has been updated, including an exception for COVID-19, allowing for COVID-19 to be covered as any other eligible illness.
Atlas International Insurance is a top-rated travel medical insurance plan for international travelers outside America, visiting any foreign destination outside home country, for a short term duration. Atlas International Travel Insurance is designed to take the risk out of travel to the United States, and suited for short-term stay outside America, the Atlas Travel Health Insurance plan includes coverage for sickness/injury, emergency medical evacuation, complications in pregnancy, repatriation of mortal remains, acts of terrorism, and incidental trips home.
The Atlas Travel Series is specifically designed to provide best-in-class coverage for sickness, illnesses, injury arising from unforeseen accidents, that occur while an individual or family is visiting USA or traveling outside of their home country. Whether you are traveling for business or pleasure, Atlas Travel Medical Insurance may be just what you’re looking for. Plans are available for purchase from a minimum of 5 days or up to a maximum of 364 days. In addition to medical benefits for injuries and illnesses/sickness, Atlas International Insurance includes benefits for emergency medical evacuation, repatriation, terrorism, political evacuation, and adventure sports.
- Quote and Buy Atlas International Insurance online, instant ID cards and proof of coverage.
- Review the Atlas International Insurance Brochure for plan summary of benefits.
- Review Atlas International Plan Description of Coverage for policy details and exclusions.
Atlas International Insurance policy including claims is administered by WorldTrips (formerly Tokio Marine HCC – MIS Group), and the plan is underwritten by Lloyd’s, rated A (excellent) by A.M. Best.
Atlas International Insurance Review
Popular Plan for USA Visitors COVID-19
Notes: Popular plan includes acute-onset of pre-existing condition coverage for ages below 80 years. For ages 65-79 years, maximum coverage limited to $50K or $100K USD.
Eligibility: Foreign nationals (individuals and/or family), above age 14 days, and visiting the USA and traveling outside home country.
Coverage Duration: Minimum of 5 days to maximum of 1 year (364 days)
Amounts:
- Member maximum limits: $50K to $2 million
- Max. drops for ages 65-79: $50K or $100K, 80+: $10K
- Choice of deductible: $0 to $5,000, higher deductible lower cost
- Co-insurance: In USA & outside PPO only
- Co-insurance amount is 20% of first $5,000, beyond deductible.
PPO Network: Uses UnitedHealthCare or FirstHealth Preferred Provider Organization (PPO), select a doctor or hospital for medical care within the network to save on coinsurance charges.
Renew or Extend: Renewable up to total 364 days total duration, prior to expiration.
Other Highlights
- Suits relatives or parents visiting the USA
- Sickness/injury plans for visitors to America
- Acute-onset of pre-conditions included
- Single trip policy, quote & purchase online
- Wide PPO network for coinsurance savings
Atlas Travel Medical Insurance
Atlas Travel Insurance plan highlights include:
- Atlas America Insurance is for worldwide coverage including USA, plan suits foreign nationals visiting USA and traveling outside their home country.
- Atlas International Insurance is for worldwide coverage excluding USA, policy is for US citizens or non-US citizens traveling abroad and outside of the United States of America.
- Atlas Premium Insurance is a high-end coverage option with liability benefits, plan suits discerning travelers visiting USA or traveling outside their home country.
- Atlas Essential Insurance is the basic coverage option with low-cost comprehensive benefits, economical plan suits budget conscious visitors to USA or outside home country.
Atlas International Insurance Overview
Atlas America Visitor Insurance is designed relatives or parents visiting USA, and tourist coming to America for sightseeing, or Atlas International Insurance is for travelers outside America who are going abroad to any foreign country.
- Eligibility: Visitors to USA or international travelers outside their home country (age more than 14 days).
- Policy Maximum: Plan offers maximum coverage choices from US$50,000 to US$2,000,000 for the life of the plan. For travelers ages 65 to 79 years, the maximum coverage is limited to $50,000 or $100,000, and for ages 80 years and older the max. is reduced to only $10,000.
- Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, US$2500 or US$5000 deductible per certificate/renewal period.
- Coinsurance Amount: For treatment received outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible. For eligible U.S. claims incurred inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
- Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 1 year (364 days).
- Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
- COVID-19: Treated as any other eligible sickness/illness after July 15, 2020.
- Pre-Existing Conditions: Only acute onset of pre-existing condition coverage is available with this plan for ages below 80 years. For age below 65 years, up to selected medical maximum per coverage period, and up to $25K per coverage period for Emergency Medical Evacuation. For ages 65-79 years, up to $100K medical maximum per coverage period, and for ages above 80 years, this benefit is NOT available. Please refer to the “Description of Coverage” document for plan exclusions which are not covered.
- Underwriter: Policy is underwritten by Lloyds, the oldest and largest insurance market in the world.
- Administrator: Plan is administered by Tokio Marine HCC Medical Insurance Services, a subsidiary of Tokio Marine Group.
Atlas International Insurance Plan Details
Review the plan brochure for coverage benefits or the detailed description of coverage document for plan exclusions and in-depth policy information.
| Plan Name | Atlas International |
| Quote & Buy Online | Buy Atlas International Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Atlas International Insurance Brochure |
| Coverage Type Selection | Atlas Travel Insurance product selection: Worldwide, Including USA: Atlas International Insurance is for non-U.S. citizens who are visitors to USA or traveling outside home country. Worldwide, Excluding USA: Atlas International Insurance is for U.S. Citizens traveling abroad or foreign nationals needing cross-border medical coverage outside America. |
| Renew Coverage Online | Renew Atlas Insurance Online, extend coverage dates from 5 days to a total duration of 364 days Keeps policy active without letting the policy lapse/expire. Note: A $5 renewal fee applies each time you renew. |
| Plan Eligibility | Visiting USA or traveling outside of your Home Country. Age at least 14 days old are eligible to purchase the Atlas Travel Plan. Note: If you are a non-US citizen, your Home Country is the country where you principally reside and receive regular mail. If you are a US citizen, your Home Country is always the United States, regardless of the location of your Principal Residence. |
| Coverage Period or Plan Duration | Coverage period minimum length of 5 days to maximum plan duration of 364 days (1 year). |
| Benefit Period | 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country. Note: While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, plan will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect. |
| Maximum Medical Benefit | Age 14 days to Age 64 years: Maximum coverage choices include: $50,000, $100,000, $200,000, $500,000,$1,000,000 or $2,000,000 Age 65 years to 79 years: Maximum coverage choices include: $50,000 or $100,000 Age 80 years or older: Maximum coverage limited: $10,000 Note: This overall maximum limit amount applies per person, per certificate period, and also per injury/illness, as specified by age. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, Personal Liability, and Crisis Response, which have own separate limits. |
| Deductible | $0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period. Note: The deductible is one time for entire certificate period (purchase and any renewal thereof), and is per person on the policy. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Co-insurance | For treatment received within USA or Canada: Plan pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. For treatment received outside the U.S. or Canada: For the certificate period, plan pay 100% of eligible expenses after the deductible up to the overall maximum limit. Note: Search the PPO network for preferred providers and save on coinsurance. |
| Preferred Provider PPO Network | Atlas Insurance Preferred Provider Organization (PPO) network – Atlas Insurance Provider Network |
| Acute Onset of a Pre-existing Condition | For Age below 65 years: Up to Selected Medical Maximum per coverage period for treatment of Acute Onset of Pre-existing Condition, and Up to $25K per coverage period for Emergency Medical Evacuation For Ages 65-79 years: Up to $100K Medical Maximum per coverage period for treatment of Acute Onset of Pre-existing Condition For Age above 80 years: This benefit is not available if insured is 80 years or older Note: An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage benefit. Only “Acute Onset of Pre-existing conditions” is covered for ages below 80 years for non-U.S. Citizens visiting USA, up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. |
| Complications of Pregnancy Coverage | Plan offers coverage for complications of pregnancy only. This benefit applies during the first 26 weeks of gestation. Note: Excludes coverage for normal pregnancy, maternity, child-birth and new born care. |
| Inpatient Hospital Expenses | Hospital Room & Boarding charges, including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous charges Charges for Intensive Care Unit (ICU) & Surgical Treatment Pre-admission test before hospital admission Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Outpatient Medical Expenses | Charges for outpatient surgical treatment, use of outpatient surgical facility Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Hospital Emergency Room, Urgent Care, Diagnostic X-rays, CAT scan, PET scan or MRI, Laboratory Services, Prescription Drugs Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Sports Coverage | Includes coverage at no additional cost for eligible injuries and illnesses that could occur while participating in many popular vacation sports – skiing, snowboarding,snorkeling, water skiing, recreational soccer, and others. Certain extreme sports that are hazardous are excluded from coverage. |
| Other Treatment & Services | Emergency Dental Treatment for Injury to Sound, Natural Teeth Mental & Nervous Disorder, & Substance Abuse Physiotherapy and Chiropractic Care Orthopedic treatment Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Coverage Benefit (Eligible expenses subject to chosen deductible or coinsurance, if any) | |
|---|---|
| Maximum Coverage per Injury or Illness | For age below 65 years: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000. For ages 65 to 79 years: $50,000 or $100,000. For age above 80 years: $10,000. Note: Limit based on age of member and per person in the policy |
| Maximum Coverage per Certificate Period | For age below 65 years: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000. For ages 65 to 79 years: $50,000 or $100,000. For age above 80 years: $10,000. Note: Limit based on age of member and per person in the policy Excludes Emergency Medical Evacuation, Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability and Crisis Response. |
| Hospital Room and Board | Average semi-private room rate, including nursing services |
| Local Ambulance | Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient |
| Emergency Room Co-Payment | For claims incurred inside the U.S. or Canada, $200 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury. |
| Urgent Care Co-Payment | For claims incurred inside the U.S. or Canada, $15 co-payment for each use of Urgent Care or UrgiCare or Walk-in Clinics (without an appointment). This co-payment does not apply to our $0 deductible option. For claims incurred outside the U.S., no co-payment applies. |
| Intensive Care Unit | Usual, reasonable and customary charges |
| Physical Therapy and Chiropractic Care | $50 maximum per day. Must be ordered in advance by a physician. Coinsurance will be waived for Outpatient Physical Therapy. |
| Terrorism | $50,000 maximum lifetime limit, eligible medical expenses only |
| Eligible Medical Expenses | All other eligible medical charges are paid on the Usual, reasonable and customary (URC) basis |
| Coverage Benefit (Eligible expenses NOT subject to chosen deductible or coinsurance, if any) | |
| Accidental Death & Dismemberment (AD&D) | Members up to age 18 years: Maximum $5,000; Death $5,000; Loss of both limbs $5,000; Loss of one limb $2,500. Members age 18 through 69 years: Maximum $25,000; Death $25,000; Loss of both limbs $25,000; Loss of one limb $12,500. Optional Accidental Death & Dismemberment buy-up of $25,000 Members age 70 through 74 years: Maximum $12,500; Death $12,500; Loss of both limbs $12,500; Loss of one limb $6,250. Members age 75 and older: Maximum $6,250; Death $6,250; Loss of both limbs $6,250; Loss of one limb $3,125. Note: $250,000 maximum benefit per one family or group Not subject to deductible or coinsurance. Excludes loss due to common carrier accident. |
| Common Carrier Accidental Death Benefit | Up to age 18 years: $10,000 Age 18 to 69 years: $50,000 Age 70 to 74 years: $25,000 Age 75 and older: $12,500 Note: Amounts above are per insured member. Not subject to deductible or coinsurance. A $250,000 maximum benefit limit for a single family or group applies. |
| Crisis Response | Ransom, Personal Belongings, and Crisis Response Fees and Expenses: $10,000 maximum per certificate period. Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage: $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation. |
| Emergency Medical Evacuation | Lifetime maximum benefit amount of $1,000,000. Note: This benefit amount is in addition to the medical maximum. For acute onset of pre-existing condition, lower amount as specified. |
| Return of Minor Children | Up to $50,000 per certificate period |
| Pet Return | Up to $1,000 per certificate period to return a traveling pet home, if member is hospitalized. |
| Return or Repatriation of Mortal Remains | Up to overall maximum limit |
| Local Burial or Cremation | Up to $5,000 lifetime maximum |
| Emergency Reunion | Up to $100,000 per certificate period, subject to a maximum of 15 days. |
| Political Evacuation | $100,000 lifetime maximum |
| Trip Interruption | $10,000 per certificate period |
| Border Entry Protection | Up to $500 per certificate period, if traveling on a valid B-2 visa and denied entrance at the U.S. border |
| Lost Checked Luggage or Passport | Lost Luggage: Up to $1000 per certificate period Lost Passport: Up to $100 per certificate period |
| Travel Delay | Maximum $100/day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum limit of 2 days. |
| Emergency Dental | Sudden Acute Onset of Dental Pain is limited to $300 per certificate period |
| Emergency Eye Exam | A covered loss Up to $150 for Eye Exam. $50 deductible per occurrence (plan deductible is waived). |
| Natural Disaster | Replacement Accommodations provider with a maximum $250/day for 5 days. |
| Hospital Indemnity | $100 per day of inpatient hospitalization charges |
| Personal Liability | $25,000 lifetime maximum Optional Personal Liability buy-up of $75,000. |
| Bedside Visit | $1,500 per certificate period |
| Atlas International Insurance – Miscellaneous Information | |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details |
| Pre-certification Requirements | See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Download and print the WorldTrips Insurance Claims Form to submit for claims reimbursement. Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator. All claims must be submitted within 60 days from the last day of the certificate period. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense. Direct cashless billing is also available when the healthcare service provider is directly paid for the services. |
| Cancellation & Refund | If cancellation request is received before coverage start date, full premium cost paid is refunded. After coverage start date, only a partial refund of unused portion of your plan cost is given per below rules: Note: A written (email) request is required. After the certificate effective date, following cancellation rules apply: 1. A $25 cancellation fee will apply for administrative costs incurred by us; and 2. Only the unused portion of the plan cost will be refunded; and 3. You cannot have filed any claims to be eligible for premium refund. |
| Worldwide Assistance | Access quality service from Tokio Marine HCC MIS 24/7 and 365 days of the year. |
| Plan Administrator | WorldTrips handles all claims and policy administration services. WorldTrips (formerly Tokio Marine HCC MIS Group) is part of Tokio Marine HCC, a premier global insurance company. |
| Ratings of Insurance Company | WorldTrips (formerly Tokio Marine HCC) holds a financial strength rating of “AA-” for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company. |
| Insurance Underwriter | Atlas Travel Insurance plans are underwritten by Lloyd’s. Lloyd’s of London is the largest and oldest insurance market in the world. |
| Application Form | Print and complete paper application, mail/fax the Atlas International Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table. |
| Quote & Buy Online | Atlas International Insurance Quote |
Disclaimer: The information provided on this page is only a summary, be sure to read plan brochure for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period.
This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA).
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.
Atlas International Plan Brochure
Review the plan brochure for coverage summary of benefits.
- Plan Brochure: Review the Atlas International Insurance Plan Brochure for policy summary of benefits table.
Atlas International Plan Description of Coverage
Review the plan detailed description of coverage document for plan exclusions and in-depth policy information.
- Description of Coverage: Review Atlas International Plan Description of Coverage for policy details including detailed information on plan exclusions.
Atlas International Insurance PPO Network
Atlas Travel Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. Search for providers within the PPO network and save on co-insurance charges.
- USA Provider Network: Find doctors, surgeons, hospitals, clinics, labs, diagnostic centers, emergency rooms, urgent care centers, other providers by zip code in the U.S. included in Tokio Marine HCC PPO USA Provider Network, network services provided by UnitedHealthCare or FirstHealth (check back of ID card).
- International Provider Network: Find limited international providers and caregivers outside the United States.
Atlas International Insurance - Apply to Quote/Buy Online
Quote, apply & buy Atlas International Insurance instantly online or print/complete the paper application along with the payment.
- Quote/Buy Online: Get instant quote & Buy Atlas International Insurance coverage with online application.
- Application Form: Complete, mail/fax the Atlas International Insurance Paper Application along with premium payment.
Atlas International Insurance - Renew/Extend Coverage
Atlas International Visitor Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.
- Renew Policy: Extend the policy coverage dates using Atlas International Insurance Renew Online.
Atlas International Insurance Client Zone
Atlas International Visitor Insurance client zone for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.
- Client Zone: Access the Atlas International Visitor Insurance Client Zone for existing policyholders.
- Claim Form: Submit the Atlas International Visitor Insurance Claim Form along with your bills and other supporting documents on the Client Zone for review and settlement.
Atlas International Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
Atlas International Insurance FAQ
Below are some of the questions frequently asked with the Atlas International insurance plan gathered over many years:
Who is eligible to purchase the Atlas International policy?
Foreign nationals visiting the USA for short term up one year
The Atlas International plan is available for foreign nationals who are visiting the United States for a short-term duration of up to 1 year. Individuals and/or families of any age visiting the United States can purchase the policy. The plan is NOT available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.
When should I purchase the Atlas International policy?
After your travel dates are confirmed, buy Atlas International plan
The best time to purchase the Atlas International policy is right after you book your airline tickets. You can also buy coverage before you leave on your trip to America. The policy can be purchased even the day before your departure to the United States. If you have forgotton to purchase coverage, you can still buy coverage after your arrival to the USA, by entering the start date of coverage as early as next day for the desired effective date.
What are the difference between Atlas International plan choices offered?
Medical maximum benefit is different for plan choices selected
Medical maximum benefit is the only differrence for the differnt plan choices: A, B, C, D & E. The different plan choices allow you to choose which Medical maximum benefit limit you would like, higher the maximimum, higher the premium cost. All of the plan choices have the same standard benefits with the Emergency Medical Evacuation, Repatriation, Emergency Reunion, Trip Interruption, etc. The medical maximum limit is amount of coverage the plan offers for the different plan choices, which starts at $50,000 USD to $1 Million. This amount is the maximum medical coverage that is offered and any amounts for bills that exceed this is not covered.
What is the beneficiary and who should I name as the beneficiary?
Beneficiary can be anyone, typically other than the insured persons
The Atlas International plan offers Accident Death & Dismemberment (AD&D) benefit paid out in the even of loss of life or loss of limb (arm or leg) that will be paid to beneficiary named to receive this benefit. The beneficiary can be any designated person chosen by the policy holder. It is a good idea to not name the insured persons in the policy as the beneficiary. If you are purchasing this policy for your relatives or parents visiting USA, you can name yourself as the beneficiary.
Do I have to complete and pay online, or can I mail a paper application?
The online application to purchase the Atlas International plan is easy and fast
The easiest and fastest way to purchase the Atlas International plan is to complete the secure Atlas International application is online by clicking the Quote & Buy button available on the top of this page. Alternatively, you can download, print, complete, and mail/post the paper application with the requisite premium payment (pay by check or a credit card) to the address given on the application form. Please follow the provided instructions in calculating the premiums for the coverage options selected and the postal mailing address to send the application with payment.
Can I buy the Atlas International policy now and renew coverage later?
Atlas International is NOT renewable or extendable
Atlas International does NOT allow coverage to be renewed or extended. You can plan your purchase coverage period between 15 days and 365 days (1 year). However, if additional coverage duration is needed after completing the existing policy term, the same policy can be purchased by completing a new online/paper application.
What is the cancellation and refund rules for the Atlas International plan?
Fully refundable prior to start or effective date
All cancellation requests must come as a written request (email) to the plan administrator. To be eligible for a refund, requests received prior to the effective date of coverage are only considered for a full refund. After the effective date of coverage, the premium is considered to be fully earned and hence it is non-refundable. Also, after the start date, partial refunds are not honored. A $25 processing fee applies.
Do you need passport number information to purchase the Atlas International policy?
Passport number for primary insured is optional
If you have the passport number of the primary insured person, then you can enter the same. However, this is an optional field and only the the primary insured person’s passport number is entered, and not required for other members of the family.
What are the common terms used in the Atlas International plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.