Atlas Travel Inusrance Information

If you are a US citizen living abroad, traditional sources of US private health insurance will not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for participation in the government sponsored plans in the country where you reside. Or you may wish to have access to health care in other countries, including the US, in the event you become seriously ill.

If you are a non-US citizen, you may need an international medical insurance policy to supplement the coverage available to you through your government sponsored plan, or to provide coverage while you are outside your home country. If your lifestyle knows no geographic limits, you need health insurance that knows no boundaries as well.

Which Plan is Right for Me?
If you desire worldwide coverage, including coverage in the US and Canada, the Platinum plan is right for you. This plan is one of the most comprehensive medical insurance products available, featuring a $5,000,000 lifetime limit, worldwide medical coverage, maternity benefits, mental and nervous benefits, wellness benefits and emergency medical evacuation benefits.

If you desire worldwide coverage, excluding the US and Canada, either the Premier or Risk Share plans will meet your needs, depending on your budget and your appetite for risk.

Am I Eligible for The International Citizen Series?
The International Citizen Series is available to citizens of all countries of the world who are at least age 14 days, and not older than age 74. If you are a US citizen, you must reside outside the US, or plan to depart the US within 30 days of the effective date, and plan to reside abroad for at least 6 months. Citizens of other countries may reside anywhere, including their country of citizenship.

Is Coverage Under The International Citizen Series Renewable?
Yes. The International Citizen Series products are annually renewable. There are no medical questions at renewal. Renewal is only subject to your continued eligibility and payment of premiums.

Hospital Pre-certification
All plans in The International Citizen Series contain hospital pre-certification provisions. Pre-certification simply means that you must contact the plan administrator as soon as possible before a planned hospitalization or surgical procedure, or within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy.

Plan Features
Pre-existing Conditions:
If you are insured under the Platinum plan, and your pre-existing conditions have been fully disclosed on your application and not excluded or restricted by a rider or any other provision of your certificate, your pre-existing conditions are covered the same as any other illness or injury as of your effective date. If you are insured under the Premier plan, your pre-existing conditions are covered up to a lifetime limit of $25,000 after you have been insured continuously for 24 months. If you are insured under the Risk-Share plan, your pre-existing conditions are not covered.

Pre-existing conditions include any injury or illness or mental/nervous condition that existed at or prior to your initial effective date, including chronic, recurring and congenital conditions.

What Are the Exclusions and Limitations?
The following charges, treatments, care, services, supplies and/or conditions are excluded from coverage:

This is a summary of the exclusions contained in the Master Policy. See the Master Policy for a complete list of exclusions.

Waiting Period for Certain Illnesses:
If you are insured under the Platinum or Premier plans, the following conditions are excluded for the first 180 days of coverage: any condition of the breast, prostate, tonsils, adenoids, hemorrhoids, the reproductive system, hernia, gall stones or kidney stones. If you are insured under the Risk Share plan, all illnesses are excluded for the first 90 days of coverage.

Wellness:
If you are insured under the Platinum plan, and are at least 35 years old, you will be entitled to the Wellness benefit after 24 months of coverage. This benefit provides $150 per certificate period for a routine physical exam, including mammogram and OB/GYN visits for females.

Emergency Medical Evacuation:
If you are insured under the Platinum plan, you are covered for emergency medical evacuation to the nearest medical facility qualified to treat your life threatening condition. All emergency medical evacuations must be approved in advance and coordinated by MultiNational Underwriters, Inc. MultiNational Underwriters, Inc. is available 24 hours a day, 7 days a week, to approve and coordinate emergency medical evacuations. Emergency medical evacuations provide you with access to care when you need it most.

Other services provided by MultiNational Underwriters, Inc:
Hospital/Physician Referral: MultiNational Underwriters, Inc. maintains relationships with hospitals and physicians throughout the world, and this network is growing daily. If you need a referral, just contact MultiNational Underwriters, Inc. and one of our Customer Service Representatives will assist you.

Patient Advocacy Services:
If you are faced with a complex or severe medical condition, you will be assigned to one of MultiNational's Patient Advocates. Your Patient Advocate is your personal assistant at MultiNational Underwriters on all matters relating to your treatment and claim, with the goal of securing the best possible care for you in a convenient and cost effective setting.

General Customer Service:
You've lost your ID card or your Certificate. Or, you have a question about your insurance. Or, you have filed a claim and you want to know the status of payment. These and many more questions may arise from time to time. MultiNational Underwriters, Inc. Customer Service Team is ready to respond. If you do not speak English, your Customer Service Representative will arrange for a telephone translator to monitor your call and assist in providing the answers you need.