Atlas America® visitors insurance from HCC Medical Insurance Services (HCCMIS ) provides valuable benefits and services with direct billing from many U.S. medical providers!
Atlas America® is visitors health insurance for parents with no medical underwriting and online enrollment!
Parents and relatives living overseas often visit their children, grandchildren, and other friends or family in the U.S. However, there is always a risk of hospitalization for injuries or sicknesses as a US visitor. Having to go to a U.S. hospital without health insurance can be financially devastating. Purchasing health insurance for visiting parents protects you from incurring the financial burden when a family member has to be hospitalized. Although you may love visiting with a relative, you will probably not enjoy being left with the costs of their medical care.
Purchasing a short-term international visitors insurance plan before heading out on a trip overseas is crucial for protecting your financial well-being. An accident, injury, or illness could occur at any time and any place. Medical care can be very expensive abroad. In many areas, you may find that you are not able to receive medical care, including emergency care, unless you are able to pay in advance. You do not want to be sitting in an emergency room in another country when you find out you are not covered by your domestic insurance while outside of your home country. There are some domestic plans that do offer coverage when a member is abroad, but it is often at a limited amount. It’s important to look for medical coverage like local ambulance, hospitalization, diagnostic testing, and the like. Our Atlas Travel® health insurance plan offers health insurance coverage while you’re on a trip abroad; it’s a safeguard for your finances while you travel outside of your Home Country. With its worldwide coverage and international provider network, our Atlas Travel insurance is the visitor’s insurance plan you need!
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|Eligibility||Must be at least 14 days old to purchase the Atlas Travel Plan coverage. 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.|
|Policy Maximum||Age 0-70 – Choose a coverage maximum per certificate that best suits your needs: $50,000, $100,000, $200,000, $500,000 or $1,000,000. Age 70 - 79 age group, the coverage maximum per certificate is $50,000 or $100,000.
Age 80+, maximum coverage per certificate is $10,000.
|Deductibles||You choose between the following deductibles: $0, $100, $250, $500, $1,000 or $2,500. Deductibles are applicable once per certificate period.|
|Preferred Provider Organization (PPO)||Yes.|
|Coinsurance (within the PPO or outside the U.S.)||Eligible expenses covered at 100% after the deductible|
|Coinsurance (outside the PPO)||For treatment received inside USA: After the policy deductible selected is paid in full, the program pays 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.|
|Purchase Period Maximum||From 5 days to a maximum of 364 days of coverage|
|Extending Your Policy||You can extend your Atlas America plan online when coverage is purchased for at least 5 days, without letting policy lapse.|
|Coverage Benefits||Hospital Emergency Room and Board charges, Hospital Indemnity, Local Ambulance, Physician visits, Surgeon fees, charges, Pre-admission test/Hospital intensive care unit charges, Diagnostics, X-Rays, Prescription Drugs are covered, Emergency Dental charges are covered, Emergency Medical Evacuation / Repatriation, Accidental Death and Dismemberment (AD & D), Terrorism, Natural disaster, Sports benefit included|
|Exclusions||Review Atlas Insurance plan exclusions information.|
|Plan Administrator||HCC Medical Insurance Services LLC (HCCMIS), headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance and short-term medical insurance products designed to meet needs of consumers worldwide. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC), a leading Specialty Insurance group. HCC’s major companies have a financial strength rating of AA (Very Strong) by Standard & Poor’s and Fitch Ratings and A+ (Superior) by A.M. Best Company|
|Plan Underwriter||Atlas Travel Insurance plans are underwritten by Lloyd’s of London (rating of "A" - excellent - by A.M. Best Company, and "A+" - Strong - from Standard & Poor's).|
Don’t Take Too Much Money or Valuables
Only carry as much money as you need. If you take travelers checks, don’t carry too many and only cash them as needed. Leave any valuable possessions you don’t need at home. If you think you might be able to survive without something, then it’s probably something that can stay at home. By taking valuables abroad, you risk losing them.
Be Mindful of Public Transportation
Only use certified public transportation. Even when using official public transit, be watchful of your surroundings. Only use city-approved taxis and if it looks suspicious, don’t use it.
Know Emergency Numbers
It is important to know common emergency numbers while in the US. In the event of a life-threatening emergency, the best number to call is 911. Calling this number will connect you to police, fire departments and medical services. Please be sure to also notify HCCMIS in case of a medical emergency. Keep insurance documentation available at all times.
Keep Your Insurance Information Readily Available
Accidents and injuries can happen almost anywhere. Be sure to keep a copy of your Atlas America® ID card with you. If you have lost your ID card, though, don’t worry. You can reprint another ID card in the Client Zone by logging in with your policy number and date of birth. There are plenty of ways to contact HCCMIS in case of a medical emergency:
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.