International short-term travel medical insurance plan

ATLAS TRAVEL SERIES: Health coverage that goes far and beyond

The industry-leading Atlas Travel Series now includes many new benefits, services and features that make it the best option for individuals and families who travel internationally. The policy now includes a benefit to be used in case of Natural Disasters and improved coverage for 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 Travel Series plan. In addition, the Atlas Travel Series allows you to extend and/or renew your coverage for up to 36 months. All of this with the same astonishing service you have come to expect from MultiNational Underwriters®, the leader in international travel medical insurance.

Why Buy Travel Insurance?

The answer is easy. Whether you travel for business or pleasure, international travel involves risk. You may arrive at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance will not provide adequate protection for these and other risks. Without appropriate travel insurance, you may be exposed to significant financial liability. MultiNational Underwriters® can’t take the risk out of international travel, but if the unforeseen happens, we will be there to help you.

Am I Eligible for the Atlas Series?

If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage. If you are under age 70, you may select your Overall Maximum Limit, ranging from $50,000 to $1,000,000. If you are age 70 to 79, the Overall Maximum Limit available is $50,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000. The minimum coverage period is 5 days and the maximum initial coverage period is 12 months.

When Does Coverage Become Effective and When Does it End?

Your 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 US Eastern Standard Time on the date we receive your Application and payment (if Application and payment is made by mail), the moment you depart from your Home Country, or 12:01am US Eastern Standard Time on the date you request on your Application. Your coverage will end on the earliest of: 12:01am US Eastern Standard Time on the last day of the period for which you have paid a premium, 12:01am US Eastern Standard Time on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).

Atlas Series Provide any Home Country Coverage

Incidental Home Country Coverage - For every 3 months of coverage purchased, the Atlas Series provides US citizens up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to your 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 – If you started a Benefit Period while this insurance was in effect, you are covered for Medical expenses only for the duration of the Benefit Period, regardless of whether you are at home or abroad. Your Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days.

End of Trip Home Country Medical Coverage – If you are covered under the Atlas Series and outside of your Home Country 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.

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 is right for me?

All US citizens should purchase Atlas International, which provides coverage for outside of the United States. Non-US citizens traveling outside of the US should purchase Atlas International. Non-US citizens traveling to the United States should purchase Atlas 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):

Medical:

* Inpatient and Outpatient charges made by a Hospital.

* Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician

has referred the case.

* Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding

nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.

* Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.

* Charges for oxygen and other gases and anesthetics and their administration.

* Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged,

expired or otherwise compromised drugs.

* Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.

* Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization.

Complications of Pregnancy:

Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity.

Hospital Indemnity:

If you are hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Series will provide $100 for each night you spend in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance.

Acute Onset of a Pre-Existing Condition:

If you are a US Citizen under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Emergency Dental:

The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100.

Emergency Medical Evacuation:

If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MultiNational Underwriters, Inc., the Atlas Series will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

Emergency Reunion:

In the event of a covered Emergency Medical Evacuation, the Atlas Series will provide the following benefits: The cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Medical Evacuation and reasonable expenses for lodging and meals for your relative, for a period not to exceed 15 days.

Return of Minor Children:

If you are the only person age 18 or older, traveling with one or more children under the age of 18, who are also covered by the Atlas Series, and you are Hospitalized for treatment of a covered Illness or Injury resulting in the children being left unattended for a period of time expected to exceed 36 hours, the Atlas Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child.

Terrorism

The Atlas Series provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:

1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.

2. You have no direct or indirect involvement in the Act of Terrorism.

3. The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been

in effect within the 6 months prior to your date of arrival.

4. You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or

location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact GIC Insurance Agency at (417) 207-9996 or e-mail at info@gicinsurance.org for additional information about this exciting new product offered by MultiNational Underwriters®

Accidental Death and Dismemberment:

In the event of your Accidental Death (except while traveling on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Series will provide the following benefit:

* Accidental Death – Principal Sum to the Beneficiary designated on your Application

* Loss of 2 eyes or 2 or more limbs – Principal Sum to you

* Loss of 1 eye or 1 limb – One Half of the Principal Sum to you

Age Principal Sum

14 days to 17 years $5,000

18 to 69 $25,000

70 to 74 $12,500

75+ $6,250

The Accidental Death and Dismemberment benefit is not available for losses incurred during participation in a Hazardous Sport or in respect to losses resulting from an Act of Terrorism.

Common Carrier Accidental Death:

In the event of your Accidental Death while traveling on board a commercial common carrier, the Atlas Series will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18), subject to a maximum of $250,000 per family, to the Beneficiary designated on your Application. This benefit is not available in respect to losses resulting from an Act of Terrorism.

Repatriation of Remains:

In the event of a covered Injury or Illness resulting in your death, the Atlas Series will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.

Natural Disaster:

In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Series will provide up to $100 a day for 5 days if the member is Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim.

Trip Interruption:

1. If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction

of your Principal Residence by fire or weather, the Atlas Series will provide the following benefit: The cost of an economy one

way air and/or ground transportation ticket for you to the area of your Principal Residence; or

2. If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your

return to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and

recovery, the Atlas Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation

ticket for your transportation from the area where you were hospitalized following the Emergency Evacuation, to the area where

you were initially evacuated from, or to the terminal serving the area of your Principal Residence.

Lost Checked Luggage:

In the event your checked luggage is permanently lost by the carrier, the Atlas Plan will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and provide copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.

How do I Extend or Renew my Coverage?

You may extend your coverage (5 day minimum) up to a maximum of 12 months. Provided there is no break in coverage, you will not be required to re-satisfy your Deductible, Coinsurance or Pre-existing Condition provision.

After 12 months of continuous coverage, individuals covered under Atlas International may renew their coverage for up to 12 additional months. If 24 months of continuous coverage is maintained, a final period of up to 12 months may be purchased. Deductible and Coinsurance must be re-satisfied as of each renewal date.

After 36 months of continuous coverage or any break in coverage, a new plan must be purchased. A new Application is required and you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions.

Extensions or Renewals must be made online with payment by credit card. For additional information on Extending or Renewing your plan, please visit Client Zone.

Privacy Policy

GIC Insurance Agency and MultiNational Underwriters® respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact GIC Insurance at (417) 207-9996 or e-mail: info@gicinsurance.org to obtain a full version of our Privacy Policy.