NOTE THIS IS THE ORIGINAL POLICY AND IS WRITTEN IN AMERICAN ENGLISH AND ALL AMOUNTS SHOWN ARE IN US DOLLARS

ATLAS TRAVEL INSURANCE POLICY

 

COVERING MEMBERS OF 
THE ATLAS TRAVEL CLUB LTD
 
and 
The Atlas Club Inc

Class 1 is For Domestic Travel within Australia and New Zealand and for Trans Tasman Travel between Australia and New Zealand
and
Class 2 for Worldwide Travel  


Atlas members are covered under one autonomous Master Policy which
covers Members in Australia, Canada, New Zealand, U.K. and the USA.

The Insurance is managed by The Atlas Club Inc 

Claims and inquiries should be directed through your local contact office in the Country in which you reside.

 

 


Atlas Travel Insurance Policy

 


Underwritten by

A Member Company of the

 ATLAS INTERNATIONAL INSURANCE GROUP

(Referred to in this policy as "We, Us, or Our")

 

 

We have issued this policy to the Policyholder (referred to as You, Your or Yours) named in item (1) of Section I, for the premium paid as shown in item (3) of said section. We will insure persons becoming eligible hereunder (referred to as Insureds) for the events and in the manner described in Section II, Coverage.

Except as expressly provided herein, benefits will be paid only if an Insured sustains:

(1) an accidental bodily injury or an emergency illness while this policy is in force; and

(2) such injury or illness directly and independently causes a loss covered by the policy.

 

GUIDE TO THIS POLICY

Schedule Section I
Coverage Section II
Benefits Section III
Exclusions Section IV
Other Policy Provisions Section V

Section I                                          SCHEDULE

(1) POLICYHOLDER

 

Name:

The Atlas Club, Inc. (Referred to as "The Club")

Address:

11th Floor
Ocean Plaza Building
Ocean Plaza, Bermuda

 

(2) POLICY PERIOD

Effective Date   December 1, 2017
Expiration Date December 1, 2019

 

(3) Premium Per Insured Per Trip

(See attached Schedule A)

 

(4) ELIGIBLE PERSONS

Persons in the following Class or Classes are Eligible Persons and shall be Insureds under this Policy:

Class

Description of Class

I

All of your members who reside in Australia and New Zealand who (have booked their travel through The Club or who are members of The Club) and are travelling within and between Australia and New Zealand, and UK resident members travelling within the UK. Does not include any travel by sea.

2

All of your members who reside in Australia and New Zealand who (have booked their travel through The Club or who are members of The Club) and are travelling outside Australia and New Zealand and  members who reside in the UK and are travelling outside of the UK.

3

All of your members who reside in the United States or Canada who (have booked their travel through The Club or who are members of The Club and are travelling within the United States or Canada.

4

All of your members who reside in the United States, Canada or UK  who (have booked their travel through The Club or who are members of The Club and are travelling outside the United States or Canada 

 

 

(5) COVERAGE BY CLASS

Coverage for each Class of Insureds is described in Section II under the Coverage Code(s) shown below for such Class:

Class Coverage Code

Type of Coverage

1,2,3,4 ĽC-AAA-99

FULL COVERAGE

WHILE ON A TRIP

~(Including Scheduled Airline Aircraft)~

 

  

(6) BENEFITS BY CLASS

Benefits for each Class of Insureds are described in Section III under the Benefits Code(s) shown below for such Class:

Class Benefits Code

Type of Benefits

Maximum Amount of Benefits

I,2,3,4 B-AB

Loss of Life, Limbs or Sight

(Principal Sum)

ĽSee Attached Schedule of Benefits

Part II

I,2,3,4 B-MZZ-99

Emergency Medical/Dental Expense

Deductible Amount: $40.00

ĽSee Attached Schedule of Benefits

Part II

I,2,3,4 B-PNC

Other Trip Benefits

Deductible Amount: $40.00; except Trip Cancellation / Interruption or Default of Service Provider: $ 0

ĽSee Attached Schedule of Benefits

Part II

(7) AGGREGATE LIMIT
The (combined Benefit Amount) is the total maximum benefit payable under section 1, item 6 payable to or on behalf of a covered member in any one covered incident. The combined aggregate limit shall be no higher than the maximum benefit identified under Section 1, Item 6 (Loss of Life, Limb, Sight) Benefit Code B-AB.  The Total Aggregate Limit on any one incident is $5,000,000. Benefits will be paid on a pro rata basis up to the maximum aggregate limit of liability.

(8) BENEFICIARY RECORDS FOR ACCIDENTAL DEATH & DISMEMBERMENT

You will be the holder of the beneficiary records.

Benefits for loss, if any, as respects accidental death only shall be payable to the beneficiary or beneficiaries as designated in writing and on file with you. If no beneficiary designation has been made, benefits will be payable in accordance with the terms of this insurance.

All other benefits are payable to the Insured.

(9) AIRCRAFT OWNED OR OPERATED BY YOU

Exclusion numbers (4) (b) and (c), Section IV shall apply to this policy including any aircraft owned, operated or leased by an Insured or the employer or sponsor of any Insured. However, the Policyholderís duly licensed aircraft used for commercial common carrier purposes are covered.

(10) OTHER PROVISIONS

Trip curtailment means a scheduled trip that was terminated as a result of the death or injury of an Insured or a close relative, close business colleague, travelling companion or person with whom the Insured was travelling when the accident occurred.

An Insured is not covered for any claim in excess of the amount stated in the Schedule of Benefits selected in respect to any one Insured.

In the event of a claim, the Insured should apply to The Club for a claim form. When completed, the claim form should be submitted directly to The Club, together with the insurance certificate and relevant documentation, such as that identified below. Failure to complete and sign the claim form properly or to fail to include the required documentation may prejudice any right to indemnity or benefit under this insurance.

  • The insured must submit all information required in support of their claim, such as medical or police reports, declarations, receipts, valuations, certified translations or other evidence of ownership at the Insureds expense and to cooperate at all times.
  • If an Insured is admitted to a hospital or clinic as an inpatient, The Club must be notified within forty-eight hours of admission in order to confirm the conditions of cover.
  • An Insured must ask the treating physician or the facility to contact The Club immediately when admitted in order that such confirmation may be given and direct payment of medical bill arranged.
  • Settlement of hospital bills not paid by the Insured should be referred to The Club.
  • In respect of medical expense items, the insured must submit accounts of their Private health insurance before submission.
  • All losses under the Baggage and Travel Documents section must be reported to the local authority within 24 hours and a written acknowledgment obtained.

A twenty-four hour medical assistance telephone service is operated by The Atlas Club Inc for the benefit of the Insured, in the event of an emergency outside of and within the Insuredís Home Country.

To contact to The Atlas Club Inc while overseas call 61 415 999 374, if travelling within  Australia call  0415 999 374 

Through this assistance program we  provide the following services:

  • Access to it registered Medical Practitioner for emergency assistance and advice.
  • Emergency transportation to the nearest suitable hospital.
  • Emergency transportation back home if necessary.
  • Insuredís family back home will be advised of Insuredís medical condition and be kept informed of the situation.
  • Payment guarantees to hospitals and Insurance verification.
  • Second opinions on surgery.
  • Case management if hospitalized and cost containment and control.
  • Urgent message service and emergency travel planning.

The Insuredís reasonable extra travel and accommodation expenses (less any refund received for the unused prepaid travel and accommodation arrangements) actually and necessarily incurred on the written advice of a legally qualified medical practitioner, as a result of the Insuredís suffering an accidental injury or illness during the Period of Journey.

The reasonable extra travel and accommodation expenses (less any refund received for the unused prepaid travel and accommodation arrangements) actually and necessarily incurred on the written advice of a legally qualified medical practitioner, and with our written agreement, for one person to travel to, remain with, or accompany the insured back to their residence in their Home Country, as a result of the insured suffering an accidental injury illness during the Period of Journey.

The Insuredís reasonable extra travel and accommodation expenses (less any refund received for the unused prepaid travel and accommodation arrangements) actually and necessarily incurred due to:

A. the unforeseeable death, accidental injury or illness of the Insuredís relative, business partner or traveling companion.

B. any other unforeseeable circumstances outside of the Insuredís control.

If the insured does not hold a return ticket to their Home Country at the time of suffering any accidental illness, or injury covered by this policy, or at the time of the happening of any circumstances covered by this Section of the Policy, We will deduct from any claim which includes the cost of the Insuredís repatriation to their Home Country, an amount equal to their original carriers published one way economy class airfare for the route used for their return. The maximum amount We will pay is limited by the Sum Insured in the Schedule of Benefits.

In the event of the Insuredís death, the cost of returning their remains to their residence or the funeral or cremation costs if the Insuredís body is buried at the place of their death.

 

Section II

COVERAGE

Code C-AAA-99

FULL COVERAGE WHILE ON A TRIP
~(Including Scheduled Airline Aircraft)~

 
This Coverage applies only to those Insureds who are in a Class to which such Coverage applies as shown in item (5) of Section I.

 

DESCRIPTION OF COVERAGE

Subject to all other terms of the policy we will cover injury to and certain damages of the Insured "while on a trip/journey", except as follows:

Aircraft coverage is limited to riding as a passenger and not as a pilot or member of the crew in any "Scheduled Airline" aircraft.

DEFINITION

The term "while on a trip/journey" means while the Insured is on a trip between the point of departure from their Home Country and the destination (both as designated on the Insured's ticket) not to exceed 365 days for Australian and New Zealand members and 45 days for United States and Canadian members.

The term "Scheduled Airline" (including Chartered Airlines) means an airline with a license for civil scheduled air transport issued by the country in which its aircraft are registered. Such airline must file and publish schedules and fares for regular passenger service between cities.

The term "Chartered Airline" means an airline which provides regular commercial charters for non-homogeneous groups.

The term "accidental" means by causes other than outside of those of your own making such as but not limited to theft, fire, misappropriation, disaster, flood, transport accident, civil commotion.

Section III

BENEFITS

Code B-AB

PRINCIPAL SUM
~(LOSS OF LIFE, LIMBS OR SIGHT)~


These Benefits apply only to those Insureds who are in a Class to which such Benefits apply as shown in item (6) of Section I.

DESCRIPTION OF BENEFITS

If the Insured's injury results in a loss shown below within one year after the accident causing the loss, we will pay for:

Loss of Life The Principal Sum
Loss of both Hands or both Feet or sight of both Eyes The Principal Sum
Loss of one Hand and one Foot The Principal Sum
Loss of one Hand or one Foot and sight of one Eye The Principal Sum
Permanent Quadriplegia The Principal Sum
Loss of one Hand or one Foot or sight of one Eye One-Half The Principal Sum
Permanent Paraplegia One-Half The Principal Sum

DEFINITIONS

Loss of Hand or Foot means the complete and permanent severance through or above the wrist or ankle joint.

Loss of Sight means the total and permanent loss of entire sight. Such loss correctable by surgery or lenses is not considered total and permanent.

If the Insured suffers more than one loss from any one accident, we will pay only one amount, the largest applicable.

Section IV

BENEFITS

Code B-MZZ-99

EMERGENCY MEDICAL / EMERGENCY DENTAL EXPENSE

These Benefits apply only to those Insureds who are in a Class to which such Benefits apply as shown in item (6) of Section I.

DESCRIPTION OF BENEFITS

If the Insured's injuries or illnesses result in expenses shown below, we will pay for the "Necessary" medical treatment up to the "Usual" and "Customary" charge for such expense incurred within 365 days from the date of the accident. The first expense must be incurred within forty-eight hours of the date of the incident if for a covered accident.

Such expense must be for:

a) treatment by a "Physician"; or

b) medical services in a "Hospital"; or

c) the use of a ground ambulance within forty-eight hours of the covered accident; or

d) in the event of an emergency, treatment of natural teeth for the relief of sudden and acute pain

Such expenses must be in excess of the deductible amount (if any), but not more than the maximum amount shown in the schedule of benefits.

We will not pay for:

(A) hernia, however caused; or

(B) services or treatment given by any person employed or retained by you; or

(C) experimental procedures; or

(D) cosmetic surgery or procedures; or

(F) medical expenses for which the Insured is entitled to benefits under any worker's compensation act; or

(G) any surgical or medical treatment which can reasonably be delayed until your return to your usual place of domicile; or

(H) any treatment or medication which at the time of departure is known to be required to be continued during the trip; or

(I) the cost of dentures, dental appliances, false limbs, hearing aids, contact or corneal lenses or spectacles (prescription or otherwise); or

(J) any repatriation costs not authorized by (The Atlas Club Inc); or

(K) the additional cost of a single or private room at a hospital, clinic or nursing home except when the physician treating the Insured Person considers it necessary.

 

EMERGENCY MEDICAL EVACUATION / REPATRIATION

 

Emergency evacuation and medical transportation services will be provided by the most appropriate means, should an Insured suffer a serious illness or injury while traveling out of their Home Country, or within their own country when travelling more than 150 miles from their permanent place of residence, that requires a medical transport of that ill or injured Insured in need of specialized treatment, not available locally, to the nearest appropriate medical facility capable of providing such specialized treatment. These medical transportation services will be provided using medically equipped ground, water or air transportation, that is provided through a medical transportation specialist or, if appropriate, by common air carrier. Transportation will be arranged upon authorization from both the Insuredís attending physician and Atlasís medical director that the Insured has experienced a "serious illness", as defined herein, and is in need of emergency evacuation. When the Insured is confined in a medical facility outside of their Home Country and his treating physician and The Atlas Club Ibnc determines it is feasible and medically necessary to transfer the Insured to a medical facility nearer his permanent residence to recuperate in familiar surroundings, medical repatriation for the Insured will be provided. In no event will we pay more than the amount listed on the Schedule of Benefits under this benefit.

DEFINITIONS

The term "Necessary" means medical treatment that is vital and required for the treatment of a covered accident or illness.

The term "Usual" charge means the fee regularly charged.

The term "Customary" charge means a charge that does not exceed the general level of charges made by the providers of the same type of training and experience when furnishing the usual treatment for a similar condition. The "locality" where the charge is made will also be considered.

The term "Locality" means a county or such greater area as is needed to represent a cross section of providers giving the type service or supplies for which the charge was made.

The term "Home Country" means the Insuredís permanent place of residence.

The term "The Journey" means a trip booked by the insured member through The Club or undertaken by a member of the club. Once a Journey has commenced, no refund of premium will be made.

The term "Physician" means a person licensed in the healing arts acting within the scope of his or her license.

The term "Hospital" means an institution that meets all of the following requirements:

(1) It is properly accredited and where required by law, holds a license as a Hospital; and

(2) it operates mainly for the care and treatment of sick or injured persons as inpatients; and

(3) it provides twenty-four hours a day nursing care by Registered Nurses; and

(4) it has a staff of one or more Physicians available at all times; and

(5) it provides organized facilities for diagnosis and surgical procedures; and

(6) it is not primarily a clinic, nursing home or convalescent home or similar place of business; and

(7) it is not mainly a place for treating alcoholics or drug addicts.

With respect to outpatient surgery, or diagnostic testing, an ambulatory surgical center or a clinic will be considered as a Hospital. Such facility must be properly accredited and where required by law, hold a license allowing the facility to operate as such.

The term "Immediate Family" means the Insured's spouse, domestic partner, brothers, sisters, parents and in-laws, limited to brothers, sisters, parents and dependent child, defined herein.

The term "dependent child" means the Insured's natural child, spouse's child, or legally adopted child who is not over the age of 23.

The term "domestic partner" means a person designated by and listed as a Domestic Partner on the account of the Insured, who is a least 18 years of age, and who during the past 12 months: 1) has been in a committed relationship with the Insured; and 2) has been the Insuredís sole spousal equivalent; and 3) has resided in the same household as the Insured; and 4) has been jointly responsible with the Insured for each other's financial obligations, and intends to continue the relationship described indefinitely.

Section V

BENEFITS

Code B-PNC

OTHER TRIP BENEFITS

These Benefits apply only to those Insureds who are in a Class to which such Benefits apply as shown in item (6) of Section I.

DESCRIPTION OF BENEFITS

BAGGAGE DELAY

In the event that the Insuredís checked baggage is delayed by a common carrier for twelve hours or more from the actual time of arrival at the Insured's final destination, we will reimburse expenses incurred up to the amount listed in the schedule of benefits excess of any reimbursable expenses incurred by the common carrier.

BAGGAGE/CREDIT CARDS/TRAVEL DOCUMENTS & MONEY LOSS

For accidental loss of or damage to the Insuredís checked baggage by a common carrier we may choose to replace, repair, or pay for the loss after making allowances for depreciation and wear and tear. We will pay up to the amount listed on the schedule of benefits excess of any reimbursable expenses incurred by the common carrier.

We will pay for the non-recoverable cost of replacing travel documents, credit cards and travelers cheques taken with the insured on The Journey.

We will pay for the Insuredís legal liability for payment amount arising out of unauthorized use of their travel documents, credit cards and travelers cheques, following theft during The Journey by any person not related to the insured.

We will pay for the accidental loss due to theft of cash, bank or currency notes, cheques, postal or money orders or petrol coupons taken with the insured on The Journey for the Insuredís personal use. The maximum amount we will pay is limited to $200.

TRIP CANCELLATION AND INTERRUPTION

The necessary and unavoidable abandonment of the trip for the Insured following a covered accident, sickness or death to the Insured or an immediate family member or travelling companion with whom the Insured was travelling when the incident occurred, resulting in written medical advice by a qualified medical practitioner to either return to the usual place of domicile or to attend a local hospital as an inpatient as authorized by The Atlas Club Inc. In no event will we pay more than the amount listed on the schedule of benefits under this benefit.

FINANCIAL COLLAPSE OR DEFAULT COVERAGE

We will pay Travel Agents cancellation fees of up to $100 if incurred. In the event of financial collapse or default of any service provider. Our payment will be limited to the amount outstanding following recovery by the insured from any statutory fund or compensation scheme or other source which is not a contract of insurance. In no event will we pay more than the amount listed in the Schedule of Benefits under this benefit.
Where emergency air evacuation is provided by an alternate carrier travellers who are not able to complete their journey home through the default must avail themselves of any rescue offer made by an alternate carrier(s) to bring them back to their usual place of domicile at the least cost and within the timetable set by the alternate carrier(s). Passengers who have connections to other non-defaulting carriers as part of their itinerary should contact their travel office.
Where the default service provider is other than an airline carrier the insured will be provide with alternate arrangements.
In no event will we pay more than the amount listed on the schedule of benefits under this benefit.

Section V                                  EXCLUSIONS

We will not pay for any loss as a result of:

(1) Loss or theft of money, jewelery,  cameras, electronic equipment, sporting equipment, eyewear prescription or lenses, sunglasses, personal care items, hair dyers, shavers, travel documents and other valuables stored in luggage placed in the baggage or cargo holds of aircraft, ships, trains, buses or other public transport including taxis, placed in unaccompanied baggage, or left in unattended accommodation rooms, restaurants or other public places unless placed in a locked safe or deposited with a security service at the reception desk.
(2) Loss or theft of cellphones (mobile phones) camera equipment, computers and notebook computers.

REPATRIATION OF MORTAL REMAINS

If a benefit is payable under the Accidental Death Benefit under this Policy in respect to the Insured, we will pay in addition to all other Benefits for the preparation and transportation of the Insured's remains or ashes back to the usual place of domicile. In no event, will we pay more than the amount listed on the Schedule of Benefits under this benefit. This benefit must be authorized by The Atlas Club Inc.

Coverage Period: The period of insurance coverage will not exceed 365 consecutive days per any one Journey for Australian and New Zealand members and forty-five (45) consecutive days for United States and Canadian members per any one Journey. Coverage is reinstated for an additional (365) days for Australian and New Zealand members and forty-five (45) days for United States and Canadian members each time the Insured returns to their Home country, and books another Journey.

 

DEFINITIONS

The term "common carrier" means an airline, busline, railroad or cruiseline that are licensed to furnish transportation services to the general public for a fee.

EXPOSURE AND DISAPPEARANCE

We will pay the appropriate Benefit if the Insured:

(1) is exposed to the elements due to an accident covered by the policy; and
(2) sustains a loss for which a Benefit would otherwise be paid under the policy.

We will presume death due to an injury to the Insured if:

(1) the Insured's body is not found within one year from the date of an aircraft accident, sinking or wrecking of any other conveyance in which he or she was a passenger; and

(2) if the aircraft accident or other event or accident is covered by the policy.

Section IV                                  EXCLUSIONS

We will not pay for any loss as a result of:

(1) a pre-existing condition. This limitation precludes coverage for those medical conditions that manifested themselves, became acute, or were being treated in the 90 days before coverage goes into effect. However, the Insured may have a condition that requires that the Insured take medication. Unless the condition for which the prescribed drugs or medicine is unstable or there has been a change in the required prescription it will not be considered pre-existing. In other words, unless the Insured has a new medical condition or one that has recently flared-up, or the Insured has had a change in the Insured's required medication, the policy will provide coverage. ~(Example: I have high blood pressure and take medication on a daily basis. Will I be covered? So long as You have not had a change in the required medication and Your high blood pressure is under control during the 90 days before the coverage goes into effect, You will be covered.)~;

(2) Any physical defect, condition, illness or disease for which any immediate family member, travelling companion or any other person whose state of health will effect the Insuredís Journey has to the knowledge of the Insured received or been prescribed treatment, medication or advice (including investigation) by a medical or dental practitioner in the 90 days prior to the period of Journey.

(3) war or any act of war;

(4) serving in one of the armed forces of any country or international authority;

Note 1: If the Insured becomes a member of such armed forces during the policy term, upon receipt of written notice, we will refund pro rata the unearned premium.

Note 2: This exclusion (3) does not apply to an Insured who is:

(a) a member of an armed force reserve corps or National Guard unit; and

(b) in attendance at an authorized active or inactive duty training session or other active duty that is less than 30 days;

(5) riding as a passenger or otherwise in any flying device, other than a licensed commercial common carrier aircraft:

(a) other than as provided in Section II, Coverage;

(b) owned by Insured or the employer or sponsor of any Insured other than as provided in item (8), of Section I;

(c) operated by Insured or the employer or sponsor of any Insured other than as provided in item (8), of Section I;

Note: The term "operated" by the Insured or the employer or sponsor of any Insured shall mean any non-owned aircraft borrowed, leased or rented for a period of either 10 straight days or 20 days per year.

(d) not having a valid and current Standard Airworthiness Certificate issued by the proper authority;

(e) whose pilot is not properly licensed; or

(f) on a flight which requires a special permit or waiver from the authority having control over civil aviation even though granted.

Note: A permit which is given to fly over or land on a territory is not a special permit.

(g) being used for other than transportation purposes, such as but not limited to:

 

  • racing or endurance tests
  • crop dusting or seeding or spraying
  • fire fighting
  • exploration
  • pipe or power line inspection
  • parachuting, except as a life-saving means
  • animal herding
  • aerial photography
  • banner towing
  • experimental tests
  • skydiving or skywriting
  • hunting

 

(6) hernia;

(7) intentionally self-inflicted injury, or injury due to: acts of war, suicide, violating or attempting to violate the law, fighting or brawling except in self defense, or loss in consequence of being intoxicated or under the influence of any drugs or narcotic unless administered by or on the advice of a physician;

(8) taking part in a riot or civil disturbance;

(9) deliberate exposure to exceptional danger except in an attempt to save human life;

(10) fighting or from a firearm or knife or any other lethal instrument during a fight unless provoked;

(11) the Insured fighting or brawling, except where provoked;

(12) the Insured is operating a motor vehicle and does not have a current and valid operator's license (except in a Driver's Education Program);

(13) this insurance also excludes any claim arising directly or indirectly where at the time of taking out the insurance the Insured whose condition gives rise to a claim is expected to give birth within two months from the date of a covered trip, is receiving or on a waiting list for inpatient hospital or clinic treatment, is travelling against the advise of a medical practitioner or for the purpose of obtaining medical treatment abroad, or has received a terminal prognosis;

(14) taking part in any scheduled athletic event;

(15) the benefits under this policy are all secondary to any other insurance under which the Insured Person has coverage.

(16) The non-refundable unused portion of travel or accommodation arrangements where alternative travel or accommodation is paid for by Us as part of a claim under this Policy.

(17)  A: Australian Members

Medical, surgical, hospital, ambulance, and nursing home expenses, and other costs of treatment, including dental treatment, incurred by Australian residents or other persons who are eligible persons under the health Insurance Act 1973 or who qualify by way of reciprocal health arrangements with Australia or otherwise for National Health Benefits.

B: New Zealand Members

The cost of private medical treatment when public care or treatment is available under any reciprocal health agreement between the Government of New Zealand and the Government of any other country.

Costs related to any personal injury, medical misadventure or work injury to the extent that You are covered or entitled to be covered by an ACT of PARLIAMENT.

(18) Medical, surgical, hospital, ambulance, and nursing home expenses, and other costs of treatment, including dental treatment, incurred more than 24 months after the accidental injury or illness which is the subject of the claim, first occurred.

(19) Sexually transmitted disease of any sort, Acquired Immune Deficiency Syndrome (AIDS), or AIDS Related Complex (ARC) or Human Immunodeficiency Virus (HIV).

(20) Any potentially fatal condition which has been diagnosed before the Certificate of Cover was issued, or any condition for which the Insured is traveling to seek medical or other treatment.

(21) Expenses incurred for continuing treatment including any medication commenced prior to the date Your Certificate of Cover was issued, and which You have been advised to continue during The Period of Journey.

(22) Expenses incurred for dental treatment due to normal wear and tear, or the normal maintenance of dental health.

(23) Claims arising from delays caused by carriers or re-scheduling.

(24) Claims arising from any business commitment, financial or contractual obligation, including those of any travelling companion or Immediate Family Member, except for the Insured being retrenched from their usual full time employment in their country of residence.

(25) Claims arising from the inability of any tour operator or wholesaler to complete arrangements for any tour due to a deficiency in the number of people required to commence any tour or Journey.

(26) Scratching or breakage of fragile or brittle items. This exclusion does not apply to photographic or video equipment, binoculars, spectacles or contact lenses.

(27) Damage or loss arising from wear and tear, deterioration, or losses caused by atmospheric or climatic conditions, mould, or fungus, insects, rodents, vermin or any process of cleaning, ironing, repairing, restoration or alteration.

(28) Baggage, personal effects, travel documents, or money left in an unlocked and unattended vehicle or building.

(29) Unaccompanied baggage or unaccompanied personal effects, or unaccompanied travel documents or money or baggage, or personal effects, or travel documents or money shipped under any freight agreement, or items sent by postal or courier services.

(30) Personal jewellery, cell phones, laptop computers, watches, cameras or other goods not forming part of the travellers personal luggage or duty free goods above the allowable value for importation under the duty free allowance of the respective country.

(31) Any goods that are intended for sale or trade or losses due to devaluation or depreciation or currency.

Section V OTHER POLICY PROVISIONS


(1) THE CONTRACT: This policy, and all endorsements and any attached papers make up the entire contract. Any change to this policy or waiver of its provisions must be approved by our officer. This approval must be noted on or attached to this policy. No agent may change or waive any provision in this policy.

(2) POLICY PERIOD: The policy takes effect on the effective date shown in item (2) of Section I. It will become effective at 12:01 a.m. at your address shown in item (1) of Section I. The policy will continue in force until the expiration date shown in item (2) of Section I. The policy may also be terminated in accordance with item (7) of this section.

(3) PREMIUM:  Premiums due for the policy shall be remitted to us as shown in item (3) of Section I.

(4) GRACE PERIOD: There is a 31 day grace period for late payment of each premium after the first one. The grace period starts on the premium due date. Premium will accrue during this grace period, and you are liable for such premium. There is no grace period if we advise you in writing that we are not going to renew the policy. This notice will be given at least 30 days before the premium due date. Our notice in writing will be mailed or delivered to your last address shown in our records.

(5) EXAMINATION AND AUDIT: We have the right to examine your records relating to this policy. We may do this at any time during the policy term. We may also do this within three years after the policy ends.

 

(6) EFFECTIVE AND TERMINATION DATES OF INDIVIDUAL INSURANCE:

Effective Date: Coverage becomes effective 12:01am on the day after The Club receives the Insuredís initial payment for The Journey.

Termination Date: All coverage ends on the earlier of (a) the date the trip is completed; (b) the Insuredís arrival at the return destination on a round trip, or the destination on a one way trip; (c) cancellation of The Journey covered by the policy. All coverage under the policy will be extended if: (a) the Insuredís entire Journey is covered by the policy, and (b) the Insuredís return is delayed by unforeseeable circumstances beyond his/her control. If coverage is extended for the above reasons, coverage will end on the earlier of: (a) the date and time the insured reaches his/her return destination and when provisions within each benefit definition have been met, or (b) seven (7) days after the date The Journey was scheduled to be completed.

(7) POLICY TERMINATION: You may cancel this policy at any time after premium has been paid by giving us written notice in advance of such cancellation. The effective date of termination will be the date we receive such notice, or a later date if shown in the notice. We may cancel this policy at any time by sending a written notice to you at the address shown in our records. The effective date of termination will be at least 30 days later than the date of our written notice.

Any premium owed to us, in the event of you or us canceling, must be promptly paid. If you cancel, we will refund the unearned premium, if any, based on the normal short rate procedures. If we cancel, we will refund the unearned premium, if any, on a pro rata basis.

(8) NOTICE OF CLAIM: Written notice of claim must be given to us within thirty (30) days after a covered loss occurs or begins. If such notice cannot be given during such time, then it must be done as soon as reasonably possible. The notice must include the Insured 's name and policy number. It should be sent to us in care of: The Atlas Club, Inc., 1436 Sorell Road, Boulder City, NV. 89005. Or such other address as the Club nominates from time to time.

(9) CLAIM FORMS: An Insured can contact The Club for claim forms. The Club will send the claimant forms for filing proof of loss within 15 days. Written proof of loss will be met by the Insured or beneficiary by sending us written proof as described below.

(10) WRITTEN PROOF OF LOSS: Proof of loss must describe the incident, extent and the type of loss. For death claims, proof of loss means certified copies of the death certificate, autopsy if performed, Coroner, Medical Examiner or Justice of the Peace reports. Police Motor Vehicle Accident Report or Police Incident Report, if applicable, are also proof of loss documents.

Written proof of loss must be sent to us at the address shown above, or to one of our agents. If the claim is for a continuing loss for which we make periodic payments, the claimant must give us written proof of loss within 90 days after the end of each period that benefits are payable.

For any other loss, written proof must be given to us within 90 days after the date of loss. If proof of loss cannot be given in that time, such proof of loss must be given as soon as reasonably possible. Except in the absence of legal capacity, the claimant must give written proof within one year of the time otherwise required.

(11) TIME OF PAYMENT OF CLAIMS: We will pay any benefits due once we receive written proof of loss. Benefits that provide for periodic payment will be paid monthly.

(12) PAYMENT OF CLAIMS: We will pay death benefits to the beneficiary designated by the Insured and on file with the holder of beneficiary records. If a beneficiary has not been designated, death benefits will be paid to the estate of the Insured. All other benefits will be paid to the Insured except for medical benefits (if applicable). These may be paid directly to the provider of medical services.

Any payments we make in good faith will end our liability to the extent of the payment.

(13) PHYSICAL EXAMINATION AND AUTOPSY: We have the right to have the Insured examined by a physician of our choice. This may be done as often as reasonably necessary while a claim is pending or while we are paying benefits. We may require an autopsy where lawful. We will pay the cost of both the exam and autopsy.

(14) LEGAL ACTIONS: No legal action may be brought to recover on this policy within 60 days after written proof of loss has been given as required by the policy. No such action may be brought after 5 years from the time written proof of loss is required to be given.

(15) BENEFICIARY DESIGNATION AND CHANGE: The Insured may choose one or more beneficiaries. We will furnish forms for this use. Such forms shall be filed with the holder of the beneficiary records as shown in item (7) of Section I. The Insured may change beneficiaries at any time. The beneficiary's consent is not required unless an irrevocable beneficiary has been named. The change will be effective only upon receipt by the holder and it will take effect on the date the Insured signs it. Any payment made by us in good faith prior to our receipt of any beneficiary change will end our liability to the extent of such payment.

(16) ASSIGNMENT: An Insured may assign his or her interest under this policy. In the case of an irrevocable beneficiary, that person must give written consent. No assignment will be binding on us unless it is in writing and a copy sent to us. We accept no responsibility for the validity of an assignment.

(17) CERTIFICATE OF INSURANCE: We shall provide you with master certificates so that you can produce a certificate for each Insured where required by law. The certificate will describe the Insured's coverage and to whom we will pay benefits. The certificate is not part of the policy.

(18) WORKERS' COMPENSATION: This policy is not a substitute for the Workers' Compensation Law requirement.

(19) CONFORMITY WITH STATE STATUTES: Any provision of this policy which, on its effective date, is in conflict with the laws of the state where the policy is issued, is amended to meet those laws. This policy shall be interpreted in accordance with the law of the State or Territory in which the Insuredís certificate was issued and be subject to the jurisdiction of the courts of that State or Territory.

Signed by us as of the policy effective date. This policy is not binding upon us unless it is approved by Atlas International Insurance Inc.

Secretary President

MJBartlett

Approved: 2nd January 2017

 This policy has been approved, signed and dated and the original is with our office.

______________________________

 Atlas International Insurance Inc

SCHEDULE A

PART 1 - INSURANCE PREMIUM

CLASS

PREMIUM PER PERSON PER JOURNEY *

1. All  members who reside in Australia and New Zealand  and are travelling within and between Australia and New Zealand by air. All UK members travelling within UK

AUD$20/NZ$25

2. All  members who reside in Australia, New Zealand and UK  who are members of The Club and are travelling outside Australia, New Zealand or UK

AUD$85/NZ100

* Maximum age: under 75 years

PART 2 Ė SCHEDULE OF BENEFITS
NOTE ALL BENEFITS ARE PAID LOCAL CURRENCY OF THE DOMICILE
Based on the Atlas Rate of Exchange used for the payout month

Benefit

Class 1

Class 2

Class 3

Class 4

Trip Cancellation

($50 Deductible)

US$2,500

US$10,000

US$2,500

US$10,000

Excess Medical/Dental

($40 Deductible)

US$2,500

US$40,000

US$2,500

US$40,000

Excess Baggage/Credit Card/Travel Documents/Money Loss

($40 Deductible)

US$1,500

Cash to a maximum $200

US$2,500

Cash to a maximum $200

US$1,500

Cash to a maximum $200

US$2,500

Cash to a maximum $200

24-Hour Accidental Death & Dismemberment

($0 Deductible)

US$10,000

US$15,000

US$10,000

US$15,000

Scheduled Air Accidental Death & Dismemberment

($0 Deductible)

US$25,000

US$50,000

US$25,000

US$50,000

Emergency Medical Evacuation / Repatriation

($0 Deductible)

$2,500

Combined Single Limit with Excess Medical/Dental

US$20,000

$2,500

Combined Single Limit with Excess Medical/Dental

US$20,000

Default of Service ($0 Deductible)

Travel Agent Maximum: $100

US$1,500

US$3,000

US$1,500

US$3,000

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