Page 5 - Atlas_MultiTrip_Sspecimen
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SPECIMENCERTIFICATE EFFECTIVE & TERMINATION DATES
CERTIFICATE EFFECTIVE DATE
Insurance hereunder is effective on the later of:
a. 12:01am U.S .Eastern Time on the date we receive an application and correct premium if the
application and payment is made by mail; or
b. 12:01am U.S. Eastern Time on the date requested on the application.
CERTIFICATE TERMINATION DATE
Insurance hereunder terminates 364 days after the certificate effective date.
CERTIFICATE PERIOD
The certificate period is 364 days. During the certificate period, you are covered for all trips of 30 or
45 days duration or less, as elected by you at time of application, outside your home country.
Coverage for each trip begins the moment you depart your home country during the certificate
period.
Coverage for each trip terminates on the earliest of:
a. the certificate termination date; or
b. the 30th or 45th day following your departure from your home country; or
c. the moment of your arrival upon return to your home country (unless you have started a
benefit period).
If coverage is purchased for your spouse and/or dependents (under age 19), they are covered during
the same time period as you, if they accompany you on the trip.
BENEFIT PERIOD & HOME COUNTRY COVERAGE
BENEFIT PERIOD
While you are on a covered trip, the benefit period does not apply. Upon termination of a covered
trip, we will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or
treatment of a covered injury or illness while outside your home country and while the certificate
was in effect. The benefit period applies only to eligible medical expenses related to the injury or
illness that began during the covered trip.
HOME COUNTRY COVERAGE
In the event you begin a benefit period while the certificate is in effect, we will pay eligible medical
expenses which are incurred in your home country during the benefit period. Home country
coverage applies only to eligible medical expenses related to the injury or illness that began during
the covered trip.
Except for a benefit period, coverage provided under this Master Policy is for a maximum duration of
364 days.
Notwithstanding the foregoing, coverage under all plans shall terminate on the date we, at our sole
option, elect to cancel all members of the same sex, age, class or geographic location, provided we
give no less than 30 days advance written notice by mail to your last known address.
5 Atlas MultiTrip Description of Coverage | Tokio Marine HCC - MIS Group
CERTIFICATE EFFECTIVE DATE
Insurance hereunder is effective on the later of:
a. 12:01am U.S .Eastern Time on the date we receive an application and correct premium if the
application and payment is made by mail; or
b. 12:01am U.S. Eastern Time on the date requested on the application.
CERTIFICATE TERMINATION DATE
Insurance hereunder terminates 364 days after the certificate effective date.
CERTIFICATE PERIOD
The certificate period is 364 days. During the certificate period, you are covered for all trips of 30 or
45 days duration or less, as elected by you at time of application, outside your home country.
Coverage for each trip begins the moment you depart your home country during the certificate
period.
Coverage for each trip terminates on the earliest of:
a. the certificate termination date; or
b. the 30th or 45th day following your departure from your home country; or
c. the moment of your arrival upon return to your home country (unless you have started a
benefit period).
If coverage is purchased for your spouse and/or dependents (under age 19), they are covered during
the same time period as you, if they accompany you on the trip.
BENEFIT PERIOD & HOME COUNTRY COVERAGE
BENEFIT PERIOD
While you are on a covered trip, the benefit period does not apply. Upon termination of a covered
trip, we will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or
treatment of a covered injury or illness while outside your home country and while the certificate
was in effect. The benefit period applies only to eligible medical expenses related to the injury or
illness that began during the covered trip.
HOME COUNTRY COVERAGE
In the event you begin a benefit period while the certificate is in effect, we will pay eligible medical
expenses which are incurred in your home country during the benefit period. Home country
coverage applies only to eligible medical expenses related to the injury or illness that began during
the covered trip.
Except for a benefit period, coverage provided under this Master Policy is for a maximum duration of
364 days.
Notwithstanding the foregoing, coverage under all plans shall terminate on the date we, at our sole
option, elect to cancel all members of the same sex, age, class or geographic location, provided we
give no less than 30 days advance written notice by mail to your last known address.
5 Atlas MultiTrip Description of Coverage | Tokio Marine HCC - MIS Group
