Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's
|Age and Policy Maximum||
Age (0-69)- $50,000, $100,000, $250,000, $500,000,$1,000,000 or $2,000,000
Age (70-79)- $50,000, $100,000, or $250,000
Age (80-99) $10,000.
|Doctor Visit||Up to Policy Maximum|
Claims incurred in U.S.
For each visit, you shall be responsible for a $15 co-payment.
– Co-payment is waived for members with a $0 deductible.
– not subject to deductible
Claims incurred outside the U.S.No co-payment
|Hospital Room and Board||Average semi-private room rate, including nursing services.|
|Ambulance||Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.|
|Prescription||Up to Policy Maximum.|
Complete details are given in certificate of insurance.
|Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80)||Age 70-79: Up to the overall maximum limit or $100,000, whichever is lower
Under age 70: Up to the overall maximum limit
Up to $25,000 lifetime maximum for Emergency Medical Evacuation
You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by accessing the Internet website for Tokio Marine HCC MIS Group at:
Complete details are given in certificate of insurance
Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions:
You must submit a claim for any expenses to be paid by insurance company. This includes treatment or services for which you expect the medical provider is to bill insurance company directly. No payments will be made by insurance company without you first submitting a claim. You shall have 60 days beginning on the last day of the certificate period to submit proof of claim. Subsequent to receipt of proof of claim, insurance company may, at our sole discretion, request and require additional information, including but not limited to medical records, necessary to confirm the validity of any claim prior to payment thereof.
No coverage available for these countries when selected on application as home country, citizenship country or destination country.