408-421-6813
408-421-6813

Atlas America®

Non-U.S. citizens traveling to the U.S.

5 Days to 364 Days

Acute Onset of Pre-existing Conditions – Covered up to Policy Maximum for Ages Below 80 Years

The Atlas America plan provides coverage in very specific circumstances for the acute onset of pre-existing conditions to people below the age of 80. Understanding what a pre-existing condition is will help you understand what the acute onset coverage provides.

Pre-Existing Condition

A pre-existing condition means any of the following:

  • Condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the certificate effective date; or
  • Condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the certificate effective date; or
  • Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.

Acute Onset of a Pre-Existing Condition

A sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition, or a complication or consequence of a chronic or congenital condition, or a condition that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

  • If you are under age 80, you may be covered for an acute onset of a pre-existing condition up to the overall policy maximum.

This benefit is available under Atlas America for non-US citizens traveling anywhere outside their home country including the U.S. If emergency medical evacuation for a covered acute onset of a pre-existing condition is necessary, then the maximum limit is $25,000.

Conditions and Restrictions

YOU ARE COVERED:

  1. Charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which:
    • Occurs when you are under age 80; and
    • Occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms; and
    • Is of short duration; and
    • Is rapidly progressive; and
    • Requires urgent care.

YOU ARE NOT COVERED unless you fulfill the following condition:

  1. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

YOU ARE NOT COVERED IF:

  1. The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date; or
  2. The pre-existing condition is
    • a chronic or congenital condition; or
    • a complication or consequence of a chronic or congenital condition; or
    • a condition that gradually becomes worse over time; or
  3. The charges are for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date; or
  4. Expenses arise directly or indirectly from anything in the General Exclusions.

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