Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

Incidental Home Country Medical Coverage

For every three months of coverage purchased, the Atlas Series provides 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 the Home County must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

M. INCIDENTAL TRIP COVERAGE – As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance during incidental return trips to his/her Home Country (“Incidental Trips”) up to fourteen (14) days during the Period of Coverage, beginning with the date the Insured Person first arrives back in his/her Home Country, provided that:
(1) The Insured Person has departed his/her Home Country prior to any Incidental Trip; and

(2) The Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage; and

(3) The intention or purpose of the Insured Person’s return trip to the Home Country is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country; and

(4) The Insured Person’s return trip to the Home Country does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

Home Country Coverage

Incidental Trips to Your Home Country – This benefit covers You for incidental trips to Your Home Country (60 days per 12 months of purchased coverage or pro rata thereof – example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to Your Home Country.

Home Country Extension of Benefits – The Plan shall pay up to a maximum of $5,000 for Covered Expenses incurred in Your Home Country related to an Injury or Illness which occurred, was diagnosed and treated outside Your Home Country during Your period of coverage (does not apply for Emergency Evacuation or Repatriation).

Home Country shall mean the country where You have Your true, fixed and permanent home and principal establishment.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

HOME COUNTRY COVERAGE

Incidental Trips to Your Home Country: This Policy shall pay Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of 30 days per one hundred and eighty-seven (187) days of purchased coverage or pro rata thereof – example: approximately 5 days per month of purchased coverage. This benefit is not available for purchases of less than 30 days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intentions. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after a completed one hundred and eighty-seven (187) day Period of Coverage. If You choose to purchase a new one hundred and eighty-seven (187) day Period of Coverage, the earning of incidental days will start over again, i.e. 5 days for every month that You purchase, allowing up to a maximum amount of 30 days per one hundred and eighty-seven (187) days of purchased coverage.

For this benefit, the Medical Maximum is reduced to $50,000, minus Your Deductible and selected Coinsurance option (Plan A, B, E, or F). The incidental trip to Your Home Country must not be for the purpose of obtaining treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

Follow Me Home Coverage: This Policy shall pay Eligible Benefits incurred in Your Home Country up to $5,000, minus Your Deductible and selected Coinsurance option (Plan A, B, E, or F), for one hundred and eighty days (180) from the onset of a new covered Injury or Illness that begins while you are traveling outside Your Home Country. In order to receive benefits, the Injury or Illness must be first diagnosed and treated outside Your Home Country.

If Seven Corners Assist evacuates/repatriates you to your Home Country for a Covered Injury or Illness, the $5,000 limit for Follow Me Home Coverage does not apply to the Medical Benefits. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

Full Policy Wording

HOME COUNTRY COVERAGE

Incidental Trips to Your Home Country: This Policy shall pay Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of 30 days per one hundred and eighty-seven (187) days of purchased coverage or pro rata thereof – example: approximately 5 days per month of purchased coverage. This benefit is not available for purchases of less than 30 days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intentions. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after a completed one hundred and eighty-seven (187) day Period of Coverage. If You choose to purchase a new one hundred and eighty-seven (187) day Period of Coverage, the earning of incidental days will start over again, i.e. 5 days for every month that You purchase, allowing up to a maximum amount of 30 days per one hundred and eighty-seven (187) days of purchased coverage.

For this benefit, the Medical Maximum is reduced to $50,000, minus Your Deductible and selected Coinsurance option (Plan A, B, E, or F). The incidental trip to Your Home Country must not be for the purpose of obtaining treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

Follow Me Home Coverage: This Policy shall pay Eligible Benefits incurred in Your Home Country up to $5,000, minus Your Deductible and selected Coinsurance option (Plan A, B, E, or F), for one hundred and eighty days (180) from the onset of a new covered Injury or Illness that begins while you are traveling outside Your Home Country. In order to receive benefits, the Injury or Illness must be first diagnosed and treated outside Your Home Country.

If Seven Corners Assist evacuates/repatriates you to your Home Country for a Covered Injury or Illness, the $5,000 limit for Follow Me Home Coverage does not apply to the Medical Benefits. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

Full Policy Wording

Home Country Coverage

Incidental Trips to Your Home Country – This benefit covers You for incidental trips to Your Home Country (60 days per 12 months of purchased coverage or pro rata thereof – example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to Your Home Country.

Home Country Extension of Benefits – The Plan shall pay up to a maximum of $5,000 for Covered Expenses incurred in Your Home Country related to an Injury or Illness which occurred, was diagnosed and treated outside Your Home Country during Your period of coverage (does not apply for Emergency Evacuation or Repatriation).

Home Country shall mean the country where You have Your true, fixed and permanent home and principal establishment.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

OPTIONAL COVERAGE RIDERS – Please see Confirmation to determine applicability

Home Country/Follow Me Home Coverage- In consideration of additional premium paid, under the Exclusions section the following is deleted in its entirety – 35. expenses incurred in your Home Country; and the following is added under the Medical Expense Benefits :

Home Country Coverage Benefit Maximum: $50,000
Deductible: $100
Coinsurance: 80% of the first $5,000 of Covered Expenses, then 100% to $50,000 maximum
Follow Me Home Coverage Benefit Maximum: $5,000
Deductible: $100
Coinsurance: 80% of the first $5,000 of Covered Expenses, then 100% to $5,000 maximum

Full Policy Wording

Home Country Coverage

Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)

Full Policy Wording

Home Country Coverage

Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)

Full Policy Wording

Home Country Coverage

Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)

Full Policy Wording

There is no Home Country Coverage with this plan.

Full Policy Wording

There is no Home Country Coverage with this plan.