Atlas International Visa

Accidental Death & Dismemberment (excludes loss due to Common Carrier Accident)

AGE	BENEFIT
Under age 18:	Lifetime Maximum - $5,000 Death - $5,000 Loss of 2 Limbs - $5,000 Loss of 1 Limb - $2,500
Ages 18 to 69:	Lifetime Maximum - $25,000 Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500
Ages 70 through 74:	Lifetime Maximum - $12,500 Death - $12,500 Loss of 2 Limbs - $12,500 Loss of 1 Limb - $6,250
Ages 75 and older:	Lifetime Maximum - $6,250 Death - $6,250 Loss of 2 Limbs - $6,250 Loss of 1 Limb - $3,125

$250,000 maximum benefit any one family or group.
- not subject to deductible, coinsurance, or overall maximum limit

YOU ARE COVERED FOR:

1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary; or
2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits; or
3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits. 

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this
    insurance; and
2. The accident giving rise to the accidental death must not be a common carrier accident; and
3. Death must occur within thirty (30) days of the sudden, unintentional and unexpected occurrence and not
    be contributed to by illness or disease.

YOU ARE NOT COVERED IF:

1. Accidents or loss is caused by or contributed to by any of the following:

a. Terrorism, war or act of war, whether declared or undeclared;
b. Your participation in a riot, insurrection or violent disorder;
c. Your service in the armed forces of any country;
d. Suicide or attempted suicide or intentional self-inflicted injury, while sane or insane;
e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician;
f. Committing or attempting to commit a felony;
g. Illness, mental health disorder, or pregnancy;
h. As the result, directly or indirectly, of: i) intoxication as defined by the laws of the jurisdiction in which the accident or injury occurred, or ii) intoxication consistent with a .08 Blood Alcohol Content (BAC); whichever is lower, or (iii) an expert’s report, such as that of a medical practitioner or forensic expert; (iv) the witness report of a third party; (v) your own admission; or (vi) the description of events you described to us or you had described to any treating medical professional (such as a paramedic, nurse, doctor) or attending emergency service member as documented in their records.
i. Myocardial infarction or cerebrovascular accident (CVA / Stroke);
j. Infection, except infection through a wound that was caused solely by an accident;
27 Atlas Travel Description of Coverage | WorldTrips
k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation
l. Medical or surgical treatment for any of the above; or
m.Any non-covered sports activities.

2. Expenses arise directly or indirectly from anything in the General Exclusions.

In no event will our payment under this benefit total more than the principal sum. The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

Accidental Death means a sudden, unintentional, and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within thirty (30) days of the sudden, unintentional, and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional, and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:
Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.
Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.