Page 5 - AtlasTravel_Specimen
P. 5
SPECIMENMEMBER ELIGIBILITY
U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age are eligible for coverage outside
of their home countries, except as provided under home country coverage. U.S. Citizens and
residents are not eligible for coverage within the U.S, except as provided under home country
coverage or an eligible benefit period. Individuals age 70 to 79 as of the certificate effective date are
subject to a $250,000 overall maximum limit or less. Individuals age 80 and over as of the certificate
effective date are subject to a $10,000 overall maximum limit.
CERTIFICATE EFFECTIVE & TERMINATION DATES
CERTIFICATE EFFECTIVE DATE
Insurance hereunder is effective on the later of:
a. The moment we receive an application and correct premium if the application and payment is
made online or by fax;
b. 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;
c. The moment you depart from your home country; or
d. 12:01am U.S. Eastern Time on the date requested on the application.
CERTIFICATE TERMINATION DATE
Insurance hereunder terminates on the earlier of:
a. 11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid;
b. 11:59pm U.S. Eastern Time on the date requested on the application; or
c. The moment of arrival upon your return to your home country (unless you have started a
benefit period or are eligible for home country coverage).
BENEFIT PERIOD & HOME COUNTRY COVERAGE
BENEFIT PERIOD
While the certificate is in effect, the benefit period does not apply. Upon termination of the
certificate, in accordance with this provision, 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 you are
outside your home country. The benefit period applies only to eligible medical expenses related to
the injury or illness that began while the certificate was in effect.
In the event you begin a benefit period while the certificate is in effect, and the certificate terminates
because you return to your home country, 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 while the certificate was in effect.
INCIDENTAL HOME COUNTRY COVERAGE
U.S. home country: For every three month period during which you are covered, eligible medical
expenses incurred in the U.S. are covered up to a maximum of 15 days.
Non-U.S. home country: For every three month period during which you are covered, eligible
medical expenses incurred in your home country are covered up to a maximum of 30 days.
Any benefit accrued under a single three month period does not accumulate to another period.
Failure to continue your international trip or your return to your home country for the sole purpose
of obtaining treatment for an illness or injury that began while traveling shall void any home country
coverage provided under the terms of this agreement.
5 Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group
U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age are eligible for coverage outside
of their home countries, except as provided under home country coverage. U.S. Citizens and
residents are not eligible for coverage within the U.S, except as provided under home country
coverage or an eligible benefit period. Individuals age 70 to 79 as of the certificate effective date are
subject to a $250,000 overall maximum limit or less. Individuals age 80 and over as of the certificate
effective date are subject to a $10,000 overall maximum limit.
CERTIFICATE EFFECTIVE & TERMINATION DATES
CERTIFICATE EFFECTIVE DATE
Insurance hereunder is effective on the later of:
a. The moment we receive an application and correct premium if the application and payment is
made online or by fax;
b. 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;
c. The moment you depart from your home country; or
d. 12:01am U.S. Eastern Time on the date requested on the application.
CERTIFICATE TERMINATION DATE
Insurance hereunder terminates on the earlier of:
a. 11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid;
b. 11:59pm U.S. Eastern Time on the date requested on the application; or
c. The moment of arrival upon your return to your home country (unless you have started a
benefit period or are eligible for home country coverage).
BENEFIT PERIOD & HOME COUNTRY COVERAGE
BENEFIT PERIOD
While the certificate is in effect, the benefit period does not apply. Upon termination of the
certificate, in accordance with this provision, 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 you are
outside your home country. The benefit period applies only to eligible medical expenses related to
the injury or illness that began while the certificate was in effect.
In the event you begin a benefit period while the certificate is in effect, and the certificate terminates
because you return to your home country, 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 while the certificate was in effect.
INCIDENTAL HOME COUNTRY COVERAGE
U.S. home country: For every three month period during which you are covered, eligible medical
expenses incurred in the U.S. are covered up to a maximum of 15 days.
Non-U.S. home country: For every three month period during which you are covered, eligible
medical expenses incurred in your home country are covered up to a maximum of 30 days.
Any benefit accrued under a single three month period does not accumulate to another period.
Failure to continue your international trip or your return to your home country for the sole purpose
of obtaining treatment for an illness or injury that began while traveling shall void any home country
coverage provided under the terms of this agreement.
5 Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group
