MultiNational International Insurance Atlas Group Plan
Short-term International health insurance for 5 or more traveling abroad
Short-term group series is tailored for groups of 5 or more US and non-US citizens traveling outside their home country for 5 days up to one year. This perfect plan for missionaries, students and business executives features Emergency Medical Evacuation, coverage for Acts of Terriorism and home country medical coverage. The policy now includes a benefit to be used in case of Natural Disasters and improved coverage of Incidental Trips Home. This innovative product also includes coverage for Acts of Terrorism and Complications of Pregnancy. Non-US citizens traveling outside of the US will benefit from our updated rating structure. State of the art travel and emergency medical assistance services are part of every Atlas Group Travel Series plan. All of this with the same astonishing service you have come to expect from MultiNational Underwriters®, the leader in international travel medical insurance.
Is My Group Eligible for the Atlas Group Travel Series?
When Does Coverage Become Effective and When Does it End?
Does the Atlas Group Travel Series Provide any Home Country Coverage?
Which Plan Should I Purchase?
What if I Plan to Participate in a Sport or Athletic Activity that is Excluded?
What are the Pre-notification Requirements?
Client Relations
Is My Group Eligible for the Atlas Group Travel Series?
If your group consists of a minimum of five travelers who are at least 14 days old traveling internationally for at least 5 days, your group is eligible. If your group members are under age 70, you may select the Overall Maximum Limit, ranging from $50,000 to $1,000,000. The Overall Maximum Limit for members age 70 to 79 is $50,000. The Overall Maximum Limit for members age 80 and older is $10,000. The minimum coverage period is 5 days and the maximum coverage period is 12 months. The same Overall Maximum Limit must be purchased for every member of your group under the age of 70. The same Deductible must be purchased for every member of your group.
When Does Coverage Become Effective and When Does it End?
Coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am* on the date we receive your Application and payment (if Application and payment is made by mail), the moment the member departs from his or her Home Country or 12:01am on the date you request on your Application. Coverage will end on the earliest of: 12:01am on the last day of the period for which you have paid a premium, 12:01am on the date requested on your Application, or the moment of the member’s return to their Home Country (unless the member has started a Benefit Period or is eligible for Home Country Coverage).
*Times expressed above are based on US Eastern Standard Time.
Does the Atlas Group Travel Series Provide any Home Country Coverage?
Yes. Under certain circumstances, the Atlas Group Travel Series will provide limited Home Country Coverage Incidental Home Country Coverage - For group members who are US citizens, the Atlas Group Travel Series provides up to 15 days of incidental coverage for trips to the member’s Home Country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and the member must continue their international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to the Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
Benefit Period Medical Coverage – A Benefit Period begins on the first date the member receives a diagnosis or treatment of a covered Illness or Injury while outside his or her Home Country and lasts for 180 days. If a member started a Benefit Period while this insurance was in effect, the member is covered only for Medical expenses for the duration of the Benefit Period, regardless of whether the member is at home or abroad.
End of Trip Home Country Medical Coverage – If your group is covered under the Atlas Group Travel Series and members are outside of their Home Countries continuously (except for covered Incidental Trips as described above) for six (6) months or more, you may purchase an additional 30 days of End of Trip Home Country Medical Coverage for the group.
Home Country Defined - If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail.
Which Plan Should I Purchase?
All US citizens, as well as all non-US citizens traveling outside of the US, should purchase Atlas Group International, which provides coverage for outside of the United States. Non-US citizen traveling to the United States should purchase Atlas Group America.
What is Covered?
All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits): Click Here
What if I Plan to Participate in a Sport or Athletic Activity that is Excluded?
The Optional Hazardous Sports Rider is available for the adventurous groups. This Rider adds coverage for the Amateur sports listed in exclusion #18. The maximum coverage under this Rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during the course of the activity. The Rider must be purchased for all members of your group.
What are the Pre-notification Requirements?
All Hospitalizations, Surgeries, Emergency Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply call, or have your Physician call, MultiNational Underwriters® with all information relative to your claim. You may also pre-notify by submitting details through Client Zone. Be sure to have your ID number available. If you do not Pre-notify, medical expenses will be reduced by 50% and all other expenses will be forfeited.
Client Relations
Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, MNU is always ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to:
*Change personal information
*Renew coverage and reprint ID cards
*Obtain details about claim filing, including downloading necessary forms
*Pre-Notify for certain medical procedures and hospitalizations
*Locate providers within the PPO Network
*Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
*Access health and wellness information
*View and download brochures, obtain policy information, or get quotes for other products offered by MultiNational Underwriters®
*You may access Client Zone by logging in at https://zone.mnui.com/clientzone/.
At times, there is simply no substitute for human intervention. MNU’s Client Relations team is available 24 hours a day, 7 days a week to answer your questions and may be reached at no cost through our worldwide toll-free numbers. Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, the MNU Client Relations Specialist will arrange one. You may contact Client Relations by e-mail via insurance@mnui.com or by phoning 800-605-2282 or 317-262-2132 (collect calls accepted).
