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Travel Health

Travel health plans are usually designed to boost your regular coverage just for the period of time you're out of the country. Travel insurance won't cover such things as preexisting conditions, pregnancy-related expenses, elective or cosmetic surgery, professional sports injuries or specific sports such as skiing or mountain climbing.

Consider Travel Health if:

bulletYou're leaving the country and want extra protection
bulletYour current policy limits or excludes coverage when traveling
bulletYou do not currently have health insurance  


International Health Insurance for U.S. and Non-U.S. citizens.

The Overseas Travel Plan is a new short-term medical plan, it can be purchased for 15 days up to 12 months, by anyone living or traveling internationally. U.S. citizens don't have to play against the odds when they travel overseas. Non-U.S. citizens can obtain affordable major medical protection while working in or visiting the U.S.

Convenient automatic acceptance and payment options for monthly or payment in full benefit periods and choose from medical expense limits of: $50,000, $100,000, $250,000 or $1 million.
Deductible choices of: $125, $250, $500, $1,000 and $2,500

Comprehensive benefits for:
- Hospital and medical expenses After the Deductible,
- Co-insurance is 80% inside the U.S. and 100% outside the U.S.
- Emergency Evacuation - $100,000
- Emergency dental treatment- $500
- Trip cancellation- $5,000
- Lost checked luggage- $250
- Reunion of minor children- $5,000
- Up to $25, 000 AD&D
- Return of mortal remains- $20,000
- Hazardous sports (Optional Rider)

Go to https://www.hpainsurance.com/qt/OTM/default.aspx?agent=RobertBender
 for benefit information, brochures, applications and rates today!

RXPayCard - Four Tier Prescription card. No health questions; Nationwide acceptance
(1)$10 generic, (2)$20 brand name, (3)$50 brand name and select generic,
(4)negotiated special discount off retail.
Member $19.99; Member+OneDependent $28.99; Member+2 or more dependents $34.99

Doctor's Select Rx - Click here for $10 or $20 select generic & brand name drugs. Mail Order Savings, Free Drug Program Info.
$21.95 single - $36.95 family.

Travel Health

Travel health insurance provides accident and sickness medical coverage, travel assistance, and accidental death and dismemberment benefits to U.S. citizens traveling outside the United States for 15 days to 12 months. Coverage is also available for spouses and unmarried dependent children between the ages of 14 days and 18 years old.

Atlas Plan Highlights

$50,000 to $1,000,000 Policy Maximum, Per insured Person

Deductible Option - $100, $250, $500, $1,000, $2,500

Coinsurance (US/Canada) - 80/20, to $5,000, Thereafter Covers 100% to Policy Max

Coinsurance (outside US and Canada) - 100%, after Deductible, to Policy Limit

Easy Application with No Health Questions

Emergency  Evacuation & Repatriation Expenses to the Policy Maximum Limit*

Emergency Reunion - $10,000 Per Certificate Period*

Trip Cancellation - $5,000 Limit Per Certificated Period

Lost Luggage - $250 Limit Per Certificate Period

Common Carrier Accidental Death - $50,000

Accidental Death & Dismemberment - Up to $25,000 (principle sum)

Emergency Dental - $100 for Acute Onset of Pain Per Certificate Period

Hazardous Sports Rider - $5,000 Limit Per Certificate Period

*Expenses for these services are only payable when pre-approved and coordinated through MultiNational Underwriters.


Three Plans To Choose From...

   Atlas International - Up to $1,000,000 - Short term coverage for US citizens traveling outside their home country, 15 days to 6 months.

   Atlas America - Up to $500,000 - Short term coverage for non-US citizens traveling outside their home country, 15 days to 6 months.

Atlas Extra - Up to $1,000,000 - Long term coverage for travelers of all nationalities who will be outside their country of citizenship for more than 6 months and up to one year in the U.S. or 2 years outside the U.S.