Eligibility
If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage.

	Under age 70	70 to 79	80 & Older
Overall Maximum Limit:	$50,000 to $1,000,000	$50,000	$10,000

The minimum coverage period is 15 days and the maximum coverage period is 12 months. You may purchase coverage in a combination of monthly and 15-day increments, depending on your needs.

When does coverage become effective and when does it end?
Your coverage becomes effective on the later of: the date we receive your Application and correct premium, or 10 days prior to your scheduled departure. The rest of your coverage becomes effective on the later of: the date we receive your Application and correct premium, the date you depart from your home country, or the date you request on your Application. Your coverage will end on the earliest of: the end of the period for which you have paid a premium, the date requested on your Application, or the date you return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage under the Atlas Extra plan).

What Is Covered?
All benefits, except Lost Checked Luggage, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Policy Limits apply to all benefits:

Medical:

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.

Emergency Dental:

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.

Emergency Evacuation:
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MultiNational Underwriters, Inc., the Atlas Series will provide the following benefits: emergency air and 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 Series will provide the following benefits: The cost of an economy round trip air 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:
If, after you have departed, 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 Series will provide the following benefit: the cost of an economy one way air or ground transportation ticket for you to the area of your Principal Residence.

Repatriation of Remains:
In event of a covered Injury or Illness resulting in your death, the Atlas Series will provide the following benefit: air 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 Plan will provide the following benefit: 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 on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Series 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
   1. Loss of 2 or more eyes or limbs - Principal Sum of $25,000 to you.
   2. Loss of 1 eye or limb - One-half of the Principal Sum ($12,500) to you.
   3. 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.

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

Does The Atlas Series Provide Any Home Country Coverage?
Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage. If you have started a Benefit Period while your insurance under the Atlas Series was in effect, you are covered for medical expenses only for the duration of the Benefit Period, regardless of whether you are at home or abroad. Your Benefit Period begins on the date of a covered Illness or Injury, and lasts for 180 days. If you have purchased Atlas Extra and have maintained coverage for at least 6 months, the plan provides Home Country Coverage for up to 30 days if the insurance is maintained and premiums are paid.