Atlas America (J1/ J1+J2/ J2/ B1/ B2 Visa Holders plan)

Atlas America 100000

Individual buying
Group Buying
Group Brochure
Certificate Wording

SUMMARY of BENEFITS-Atlas America 100000

Plan duration or period Maximum of 12 months (364 days) of coverage
Maximum per Injury / Illness $100000
Overall maximum limit per certificate peiod $100000
Deductibles $250 per Certificate Period per Person
Co-insurance -In USA/Canada 80% Coverage up to $5,000 and then 100% up to maximum
Co-insurance – Outside USA/Canada 100% of eligible expenses after the deductible up to the overall maximum limit.
Hospital room and board Average semi-private room rate, including nursing services
Local ambulance URC*, when covered illness or injury results in hospitalization as a inpatient
Intensive care unit URC*
Emergency room co-payment In addition to coinsurance, $200 co-payment for each use of emergency room for an Illness without hospitalization. There will be no copayment for emergency room treatment of an injury
Urgent care center For each visit, the member shall be responsible for a $50 co-payment, after which coinsurance will apply. Not subject to Deductible.
Hospital indemnity $100 per day of inpatient hospitalization (in addition to all other benefits)
Physical therapy $50 maximum per day
All other Eligible Medicle Expense URC*
Acute onset of pre-existing condition Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions.) $25,000 lifetime maximum for emergency medical evacualtion
Emergency dental (acute onset of pain) $250 limit per certificate period (not subject to deductible or coinsurance)
Emergency medical evacuation $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition
Return of minor children $50,000 per certificate period
Repatriation of remains Overall maximum limit
Emergency Reunion $50,000 limit per certificate period, subject to a maximum of 15 days
Natural disaster Maximum $100 a day for 5 days
Trip interruption $5,000 limit per certificate period
Trip delay $100 for a 12-hour delay requiring an unplanned overnight stay (2 days maximum)
Lost checked luggage $500 limit per certificate period
Political evacuation $10,000 lifetime maximum
Terrorism $50,000 maximum lifetime limit, eligible medical expenses only
Common carrier accidental death
($25,000 max per any one family or group)
Not subject to deductible or coinsurance.
Up to age 18 – $25,000 per member; Age 18 to 69 – $50,000 per member;
Age 70 to 74 – $12,500 per member; Age 75 and older – $6,250.
Hospital pre-certification penalty 50% of eligible medical expenses
Crisis Response $10,000 limit per certificate period; Includes access to Unity Crisis Group Services.
Personal Liability $10,000 lifetime maximum
Bedside Visit $1,500 (economy ticket for family member to visit if admitted to ICU)


Accidental Death and Dismemberment(excludes loss due to common carrier accident; $250,000 maximum
benefit per one family or group)

  • Member up to age 18 :Lifetime max. – $5,000; Death – $5,000; Loss of 2 limbs – $5,000; Loss of 1 limb – $2,500.
  • Member age 18 through 69 :Lifetime max. – $50,000; Death – $50,000; Loss of 2 limbs – $50,000; Loss of 1 limb – $25,000.
  • Member age 70 through 74 :Lifetime max. – $12,500; Death – $12,500; Loss of 2 limbs – $12,500; Loss of 1 limb – $6,250.
  • Member age 75 and older :Lifetime max. – $6,250; Death – $6,250; Loss of 2 limbs – $6,250; Loss of 1 limb – $3,125.

* URC: Usual, Reasonable, Customary

Atlas America

The Atlas Travel plan provides international travel medical insurance coverage for those who are traveling, studying or living abroad around the world, outside of your home country. It offers core travel insurance benefits, with coverage from as little as 5 days. Most plan options are designed to meet the U.S. J-1 and J-2 visa.


  • For travel to the United States to visit relatives, business work, learning their citizens access;
  • Maximum medical coverage – $50,000
  • Multiple annual deductible options from $0 to $2,500
  • Reimbursement of outpatient, emergency, hospitalization, surgery, prescription drugs, inspection, ambulance and other medical expenses;
  • Medical Evacuation $500,000 Maximum
  • Repatriation up to Policy Maximum
  • Maximum $ 50,000 accidental death / disability compensation; Directly billing with hospitals or clinics in PPO network
  • Directly billing with hospitals or clinics in PPO network
  • 24-hour global customer service and free Chinese translation

The plan is designed for:

The plan is ideal for anyone, as long as you are outside your home country, but especially for:

  • Students or scholars and their dependents studying or visiting abroad
  • Cultural exchange participants
  • Visitors and their dependents visiting relatives or travelling abroad
  • Visitors working abroad
Worldwide Including USA
Age Individual rates Group rates
14days – 17 $1.73 $1.56
18 – 29 $1.73 $1.56
30 – 39 $2.56 $2.31
40 – 49 $3.42 $3.08
50 – 59 $5.13 $4.62
60 – 64 $6.23 $5.61
65 – 69 $6.89 $6.20
70 – 79 $9.92 $8.95
80 + N/A $N/A
Click here to enter StudentSecure enrollment page,fill the infomation of the insured referring to StudentSecure enrollment explanation(chinese),use the credit card to complete the payment, and then click “Download Fulfillment” link,you can download the electronic ID card and receipt of payment immediately. According to the Fulfillment Method you chosed. Insurance company will send all insurance materials to the email address which you provided or mail the physical materials to your mail address. Electronic files and physical files have the same effect. If you are not received via Email after the payment, please check your Spam box, some emails may be mistakenly treated as a Spam.
You can use a debit card or credit card which shows a logo such as Visa, MasterCard, American Express or Discover to pay your cost of insurance plan online.
You may set the Insurance effective date by yourself. Effective date and Expiration date are calculated according to EST(eastern standard time).
5 or more than 5 person can buy the group plan, and each group member can get a 10% premium discount.
Yes. All of members in the group must have the same coverage date.
No. It covers illness benefits (hospital, outpatient service, emergency, ambulance, prescription drugs, intensive care and other medical benefits), accident benefits, travel benefits(Trip interruption,Lost checked luggage and Trip delay) and international evacuation benefits(Medical evacuation, Repatriation of remains, Political evacuation, emergency reunion, Return of minor children, etc). For more detail please see benefits table.
No. But it can cover Acute Onset of Pre-existing Condition
(only available to members younger than 70),excludes chronic and congenital conditions.
Yes.Each prescription can be provided less than 60 days.
You can go to any pharmacy in U.S. But you can’t pay the fee directly with the pharmacy. When you need to buy prescripton drugs, you need to pay first yourself, and then apply to claims department for reimbursement.
Send the completed claim form, attached the purchased drug labels or equivalents information,and receipt/bill to the claims department to apply for reimbursement.
No. But it can cover a sudden abortion in the effective period of the plan for women who pregnant within 26 weeks.
Dental benefits only includes acute onset of
pain, and can not cover vision benefit.