Atlas Essential Insurance

Review the plan brochure for coverage benefits or the detailed description of coverage document for plan exclusions and in-depth policy information.

• Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
• Pre-Existing Conditions: Acute onset of pre-existing condition coverage is NOT covered, this benefit is NOT available in the Essential plan.
• Plan Brochure: Review the Atlas Essential Insurance Plan Brochure for policy details.
• Description of Coverage: Review the Atlas Essential Insurance Description of Coverage for policy exclusions and detailed information.

Atlas Essential Insurance Review of the plan brochure for coverage information and summary of benefits along with broad outline of the policy features.

• Plan Brochure: Atlas Essential Insurance Review of the Atlas Essential Insurance Brochure for policy information, coverage features and plan summary of benefits.

Atlas Essential Insurance Review of the plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.

• Certificate of Insurance: Review all the policy details available in the Atlas Essential America Insurance Certificate which is the detailed sample document of the master policy document.

Atlas Essential Visitor Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. Search for providers within the PPO network and save on co-insurance charges.

• USA Provider Network: Find doctors, surgeons, hospitals, clinics, labs, diagnostic centers, emergency rooms, urgent care centers, other providers by zip code in the U.S. included in Tokio Marine HCC PPO USA Provider Network, network services provided by FirstHealth.
• International Provider Network: Find limited international providers and caregivers outside the United States.

Quote, Apply & Buy Atlas Essential Insurance instantly online or print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Atlas Essential Insurance coverage with online application.
• Application Form: Complete, mail/fax the Atlas Essential Insurance Paper Application along with Essential payment.

Atlas Essential Visitor Insurance plan can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

• Renew Policy: Extend the policy coverage dates using Atlas Essential Insurance Renew Online.

Atlas Essential Visitor Insurance client zone for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

• Client Zone: Access the Atlas Essential Visitor Insurance Client Zone for existing policyholders.
• Claim Form: Submit the Atlas Essential Visitor Insurance Claim Form along with your bills and other supporting documents on the Client Zone for review and settlement.

Below are the rules pertaining to cancellation of the policy and refund of Essential.

• Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid Essential is refunded minus a $25 cancellation fee.
• Active Policy: After that effective date, the Essential is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.