1. Inpatient and Outpatient charges made by a Hospital.
2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case.
3. Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist.
4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
5. Charges for oxygen and other gases and anesthetics and their administration.
6. 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.
7. Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
8. Emergency local ambulance transport incurred in connection with Injury or Illness resulting in hospitalization.

1. Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance.
2. Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain.

Atlas Terrorism Rider:

The Optional Atlas Terrorism Rider provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:

1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
2. You have no direct or indirect involvement in the Act of Terrorism.
3. The Act of Terrorism is not in a country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to your date of arrival.
4. You have not unreasonably failed or refused to depart a country or location following the date an advisory to leave that country or location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact our specialists for additional information about this exciting new product .

Emergency Evacuation:
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life or limb and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by the Plan Administrator, the Atlas Professional will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

Emergency Reunion:
In the event of a covered Emergency Evacuation, the Atlas Professional will provide the following benefits: The cost of an economy round trip air and/or ground transportation ticket for one of your Relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Evacuation, and reasonable expenses for lodging and meals for your Relative, for a period not to exceed 10 days.

Trip Interruption:

1. If, after you have departed your Home Country, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas Professional will provide the following benefit: The cost of an economy one way air and/or ground transportation ticket for you to the area of your Principal Residence; or
    
2. Following a covered Emergency Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery, the Atlas Professional will provide the following benefit: The cost of a one way economy air and/or ground transportation ticket for your transportation from the area where you were hospitalized following the Emergency Evacuation, to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.

Repatriation of Remains:
In the event of a covered Injury or Illness resulting in your death, the Atlas Professional will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.

Lost Checked Luggage:
In the event your checked luggage is permanently lost by the carrier, the Atlas Professional will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and provide the Plan Administrator with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.

Accidental Death and Dismemberment:
In the event of your Accidental Death (except while traveling in a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Professional will provide the following benefit:

1. Accidental Death ? Principal Sum of $25,000 to the Beneficiary designated on your Application. The Principal Sum shall reduce by 50% (to $12,500) if you are age 70 to 74 at time of Death, and an additional 50% (to $6,250) if you are age 75 or older at time of Death.
2. Accidental Dismemberment
   a. Loss of 2 eyes or 2 or more limbs ?- Principal Sum of $25,000 to you.
   b. Loss of 1 eye or limb ? One-half of the Principal Sum ($12,500) to you.
   c. The Principal Sum(s) shall reduce by 50% if you are age 70 to 74 at time of Dismemberment, and an additional 50% if you are age 75 or older at time of Dismemberment.
3. The Accidental Death Dismemberment benefit is deleted during participation in a hazardous sport.

Common Carrier Accidental Death:
In the event of your accidental death while traveling on board a commercial common carrier, the Atlas Professional will provide the following benefit: Principal Sum of $50,000 to the Beneficiary designated on your Application

Atlas Professional Travel Assistance Services:
The following Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas Professional plan is in effect.
Pre-Trip Health and Safety Advisories (available after your purchase of the Atlas Professional, and before your departure) ? call us for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.
Livetravel Services - We will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.
BagTrak - We are the industry leaders in tracking lost baggage. We will help you locate your lost baggage, and deliver it to you anywhere in the world.
Emergency Message Relay - We will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.
Emergency Cash Transfers - We will assist you in arranging and obtaining cash transfers anywhere in the world.

Other important Atlas Professional Travel Assistance Services include:

• Medical referrals
• Up-to-the-minute travel medical advisories
• Assistance with prescription drug replacement
• Dispatch of a doctor or specialist
• Emergency travel arrangements for family members
• Lost passport or travel documents assistance
• Embassy and consulate referrals
• Legal and accounting referrals
• Bail bond assistance
• Translation and interpretation assistance

Atlas Professional Travel Assistance Services are not insurance benefits and provision of any Atlas Professional Travel Assistance Services is not a guarantee of any other benefit under the Atlas Professional plan.

 

Schedule of Benefits and Limits

Deductibles:	$250 per person, per trip
Coinsurance - Claims incurred in US or Canada:	For each trip, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.
Coinsurance - Claims incurred outside US or Canada:	For each trip, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
Hospital Room and Board:	Average Semi-private room rate, including nursing services.
Intensive Care Unit:	Usual, Reasonable and Customary charges
All Other Eligible Expenses:	Usual, Reasonable and Customary charges.
Emergency Dental - Acute onset of pain:	$100 limit per Certificate Period
Local Ambulance:	Usual, Reasonable and Customary charges when Covered Illness or Injury results in hospitalization
Emergency Evacuation:	Overall Maximum Limit
Repatriation of Remains:	Overall Maximum Limit
Emergency Reunion:	$10,000 limit per Certificate Period
Trip Interruption:	$5,000 limit per Certificate Period
Lost Checked Luggage:	$250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Accidental Death and Dismemberment:	Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500; Benefits reduce 50% at age 70 and an additional 50% at age 75.
Common Carrier Accidental Death:	$50,000
Hospital Pre-Certification Penalty:	50% of Eligible Medical Expenses.
Optional Hazardous Sports Rider:	Overall Maximum Limit
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment and Common Carrier Accidental Death):	Age 14 days to 69 - $1,000,000. Age 70 to 79 - $50,000 Age 80 or older - $10,000.