Atlas Series Group Benefits

Overall Maximum Limit

$50,000, $100,000, $200,000, $500,000 or $1,000,000 Up to age 69

Age 70-79 $50,000 or $100,000

Age 80+- $10,000


$,0, $100, $250, $500, $1,000, $2,500

Coinsurance- Claims incurred in U.S. or Canada

Plan pays 80% of the next $5,000 of eligible medical expenses after the deductible, then 100% to overall maximum limit. Coinsurance waived if expenses are incurred within the PPO and expenses are submitted for review and payment directly to provider.

Coinsurance- Claims incurred outside U.S. or Canada

100% of eligible expenses after the deductible up to the overall maximum limit

Hospital Room & Board

Average semi-private room rate, including nursing services

Intensive Care Unite


Local Ambulance

URC, when covered illness or injury results in hospitalization as inpatient

Emergency Room co-payment: Claims incurred in U.S. or Canada

$200 co-payment for each use of the emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.

Urgent Care Center- Claims incurred in U.S. or Canada

Each visit you are responsible for a $50 co-payment, after which coinsurance will apply. Not subject to deductible.

Acute Onset of Pre-existing Conditions (only available to members under 70)

Overall maximum limit $25,000 lifetime maximum for Emergency Medical Evacuation


$50,000 lifetime maximum, eligible medical expenses only.

Physical Therapy

$50 maximum per day

All Other Eligible Medical Expenses


Emergency Medical Evacuation

$1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-Existing Condition

Repatriation of Remains

Overall maximum limit

Local Burial or Cremation

$5,000 lifetime maximum

Crisis Response- Ransom, Personal Belongings, and Crisis Response Fees and Expenses


Optional Crisis Response Rider


Emergency Reunion

$50,000, subject to a maximum of 15 days

Bedside Visit


Return of Minor Children


Pet Return


Political Evacuation

$10,000 lifetime maximum

Trip Interruption


Accidental Death & Dismemberment

Under 18: $5,000 Lifetime Maximum

Ages 18-69: $50,000 Lifetime Maximum

Ages 70-74: $12,000 Lifetime Maximum

Ages 75+: $6,250 Lifetime Maximum

Optional Accidental Death & Dismemberment Rider (only available to members age 18-69)

$50,000 Lifetime Maximum

Common Carrier Accidental Death

Ages:0-17: $25,000

Ages: 18-69: $50,000

Ages: 70-74: $12,500

Ages:75+: $6,250

Lost checked luggage


Travel Delay

Maximum $100/day after 12 hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days

Emergency Dental (Acute onset of pain)


Natural Disaster

Maximum $100/day for 5 days

Hospital Indemnity

$100/day of inpatient hospitalization

Personal Liability

$10,000 lifetime maximum

Optional Personal Liability Rider

$90,000 lifetime maximum

*URC= Usual, Reasonable and Customary charges

Terms & Conditions of the contract do apply