Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under age 70: Up to the overall maximum limit, Age 70-79: Up to the overall maximum limit or $100,000, whichever is lower.
  • Co-Insurance:
    In Network:After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network:After deductible is paid by insured, plan pays as per URC 100% up to policy maximum
  • PPO Network Provides First Health PPO Network.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Not available for North Korea, Syria, Iran and Cuba.
  • Members cannot be located in the following locations at the time of purchase: Maryland, Washington, Canada, New York, Australia.

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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
Urgent Care

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.

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  • Pre-existing Conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits
  • Routine physical exam.
  • Birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions
  • Pregnancy except as covered under Complications of Pregnancy after 26th week of pregnancy.
  • HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.
  • Mental health disorders.
  • Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic conditions of skin, nevus
  • Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal bypass surgery.

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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

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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

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You may extend policy online before expiration date of policy. You may extend minimum of 5 days. Insurance company charge $5 extension fee for each renewal. Total coverage duration cannot be more than 364 days including extension.

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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:

  • $25 cancellation fee will apply for administrative costs incurred by us; and
  • Only the unused portion of the plan cost will be refunded; and
  • You cannot have filed any claims to be eligible for premium refund.

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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.

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Country Restriction

No coverage available for these countries when selected on application as home country, citizenship country or destination country.

  • Cuba
  • Iran
  • North Korea
  • Sudan

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