• Multi-Trip Travel Medical Insurance
• Emergency Medical Evacuation
• Astonishing Travel Assistance Services

Atlas Professional is the obvious choice for corporate executives and other professionals who require travel medical insurance coverage for numerous trips during the year. When you buy Atlas Professional, coverage is automatically in place for those last minute international trips. State of the art travel and emergency medical assistance services are part of every Atlas Professional policy. These features are accompanied by the same astonishing service you have come to expect from MultiNational Underwriters^®, the leader in international travel medical insurance.

The answer is easy. Whether you travel for business or pleasure, international travel involves risk. You may arrive at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance will not provide adequate protection for these and other risks. Without appropriate travel insurance, you may be exposed to significant financial liability. MultiNational Underwriters^® can’t take the risk out of international travel, but if the unforeseen happens, it will be there to help you.

If you are under age 66 and you maintain medical insurance that covers you while you are in your Home Country, you are eligible for Atlas Professional. Your Spouse under age 66 and dependent children who are at least 14 days up through age 18 may also be covered, provided they too maintain medical insurance that covers them while they are in their Home Country. The Overall Maximum Limit is $1,000,000 per person.

The Effective Date is the later of: the date we receive your Application and correct premium or the date you request on your Application. The Certificate Period is 12 months. During the Certificate Period, you are covered for all trips of 30 days duration or less outside your Home Country. Coverage is effective the moment you depart your Home Country and ends the moment you return to your Home Country. If you purchase coverage for your Spouse and/or Dependents (under age 19), they are covered during the same time period as you as long as they accompany you on your trip.

Call MNU for current passport, visa, inoculation and vaccine requirements as well as for up-to-date travel safety advisories.

If you started a Benefit Period during a covered trip, you are covered for Medical expenses only for the duration of the Benefit Period regardless of whether you are at home or abroad. Your Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days.

All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits):

Medical:

1. Inpatient and Outpatient charges made by a Hospital.
2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case.
3. Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
5. Charges for oxygen and other gases and anesthetics and their administration.
6. Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
7. Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
8. Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization.

• Medical Referrals
• Assistance with Prescription Drug Replacement
• Dispatch of a Doctor or Specialist
• Up-to-the-minute travel medical advisories

Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity.

If you are hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Professional plan will provide $100 for each night you spend in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance.

If you experience an Acute Onset of a Pre-existing Condition during a covered trip, you are covered for up to $5,000 for Medical expenses plus $25,000 for Emergency Medical Evacuation expenses. The conditions for Emergency Medical Evacuation benefits, as described herein, must be met in order for this benefit to be available. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100.

If the United States government issues a travel warning that becomes effective after your arrival in your destination country, the plan will provide for transportation to the nearest place of safety or for return to your Home Country. You must contact MultiNational Underwriters^® within 10 days of the date the travel warning is issued and the evacuation must be approved in advance and coordinated by MultiNational Underwriters^®.

If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MultiNational Underwriters^®, the Atlas Professional plan will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

MNU will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

In the event of a covered Emergency Medical Evacuation, the Atlas Professional will provide the following benefits: The cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Medical Evacuation and reasonable expenses for lodging and meals for your relative, for a period not to exceed 15 days.

If you are the only person age 18 or older, traveling with one or more children under the age of 18, who are also covered by the Atlas Professional, and you are Hospitalized for treatment of a covered Illness or Injury resulting in the children being left unattended for a period of time expected to exceed 36 hours, the Atlas Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child.

When family members need to join you in an emergency, MNU can make the arrangements for you.

In the event of your Accidental Death (except while traveling on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Series will provide the following benefit:

1. Accidental Death – Principal Sum to the Beneficiary designated on your Application.
2. Loss of 2 or more eyes or limbs – Principal Sum to you
3. Loss of 1 eye or 1 limb – One-half of the Principal Sum to you

Age	Principal Sum
14 days to 17 years	$5,000
18 to 65	$25,000

The Accidental Death and Dismemberment benefit is deleted during participation in a hazardous sport.

The Accidental Death and Dismemberment benefit is doubled in the event of loss resulting from Hijacking, Kidnapping or attempted Kidnapping.

All Accidental Death and Dismemberment benefits are subject to a maximum of $250,000 per family.

In the event of your Accidental Death while traveling on board a commercial common carrier (except during a Hijacking), the Atlas Professional will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18) to the Beneficiary designated on your Application, subject to a maximum of $250,000 per family.

In the event of a covered Injury or Illness resulting in your death, the Atlas Professional will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.

In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Professional will provide up to $100 a day for 5 days if the member is Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim.

MNU will assist you in arranging and obtaining cash transfers anywhere in the world.

Losing important documents is extremely troublesome. We can help you notify the appropriate authorities for assistance with replacement of documents.

1. If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas Professional will provide the following benefit: The cost of an economy one way air and/or ground transportation ticket for you to the area of your Principal Residence; or
2. If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery, the Atlas Professional will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for your transportation from the area where you were hospitalized following the Emergency Evacuation, to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.

MNU will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

In the event your checked luggage is permanently lost by the carrier, the Atlas Professional will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and provide copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.

TravelGuard is the industry leader in tracking lost, checked baggage. TravelGuard will help you locate your lost checked baggage and deliver it to you anywhere in the world.

All Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas plan is in effect. In addition to the services already described, the following services are included:

• Embassy and consulate referrals
• Legal and accounting referrals
• Bail bond assistance
• Translation and interpretation assistance

Atlas Professional Assistance Services are not insurance benefits, and provision of any Assistance Service is not a guarantee of any other benefit under Atlas Professional.

The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:

1. For US citizens/residents, all charges incurred in the United States of America, including its territories and possessions, except for US citizens who have started a Benefit Period. This exclusion also applies to all non-US citizens/residents electing coverage excluding the US.
2. Charges resulting directly or indirectly from any Pre-existing Condition, as herein defined, are excluded from this insurance, except for an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
3. Treatment for or related to any congenital condition.
4. Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.
5. False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related to Pregnancy after the 26th week of Pregnancy.
6. Mental Health Disorders or Substance Abuse.
7. Charges which are not incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period.
8. Charges for use of Emergency Room within the US for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness.
9. Not Medically Necessary and administered or ordered by a Physician.
10. Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans.
11. Charges which exceed Usual, Reasonable and Customary.
12. Investigational, Experimental or for Research purposes.
13. While confined primarily to receive Custodial Care, Educational or Rehabilitative care.
14. Venereal Disease, and treatment of individuals who are HIV+ or have AIDS or ARC.
15. Treatment by a Chiropractor.
16. Diseases of the skin.
17. Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain.
18. Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures.
19. Injury resulting from participation in the following activities: Amateur Athletics, Contact Sports, and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded except the following which are excluded: Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher. Aviation, except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky diving, parachuting or bungee jumping; Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); Racing by any animal or motorized vehicle; and spelunking; and subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken for thrill seeking and exposes you to abnormal or extreme risk of injury.
20. Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse.
21. Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams.
22. The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits.
23. Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
24. Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Repatriation of Remains, Emergency Reunion and Trip Interruption sections of this insurance.
25. Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
26. Organ or tissue transplants or related services.
27. Acts of Terrorism, war, insurrection, riot or any variation thereof.

This is a summary of Exclusions. For more details, or for a complete copy of the Master Policy, contact us.

The Optional Hazardous Sports Rider is available for the adventurous traveler. This Rider adds coverage for the Amateur sports listed in exclusion #18. The maximum coverage under this rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during the course of the activity.

The Optional Atlas Terrorism Rider provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:

1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
2. You have no direct or indirect involvement in the Act of Terrorism.
3. The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival.
4. You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact us for additional information about this exciting new product offered by MultiNational Underwriters^®.

Hospitalizations, Surgeries, Emergency and Political Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must be Pre-certified. Simply call, or have your Physician call, MultiNational Underwriters® with the information relative to your claim. You may also pre-certify by submitting details through Client Zone. Be sure to have your ID number available. If you do not Pre-certify, medical expenses will be reduced by 50% and all other expenses will be forfeited.

MultiNational Underwriters® (MNU), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. MNU's international claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find their service team to be prompt, compassionate, and highly professional. MNU is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.0 billion, shareholders? equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor's, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.

Lloyd’s, the largest and oldest insurance market in the world, is the insurer of the Atlas Series. Rated 'A' (Superior) by A.M. Best Company and 'A' (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.

Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, MNU is ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to:

• Change personal information
• Reprint ID cards
• Obtain details about claim filing, including downloading necessary forms
• Pre-certify for certain medical procedures and hospitalizations
• Locate providers within the PPO Network
• Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
• Access health and wellness information
• View and download brochures, obtain policy information, or get quotes for other products offered by MultiNational Underwriters®

You may access Client Zone by logging in at http://www.buyamericaninsurance.com/clients/.

If you prefer to speak to one of our professional representatives, you may contact the World Service Center by calling toll-free from various countries around the world or by calling collect. MNU's World Service Center can provide you with service in many different languages.

MultiNational Underwriters^® respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact us to obtain a full version of our Privacy Policy.

You can either apply online on this web site or you can send the paper application using the links towards the top of this web page.
If paying by credit card, you may fax or email your application.

You will receive an Identification Card along with other information about Atlas Professional. You should keep this brochure in a safe place and refer to it if you have questions concerning your coverage. This is a summary of the benefits, provisions and exclusions contained in the Master Policy. For a complete description of coverage, you may obtain a copy of the Master Policy by contacting us.