Plan Administrator: WorldTrips | AM Best Rating: A "Excellent" | Underwriter: Lloyd's
| Age and Policy Maximum |
Age (0-64)- $2,00,000 |
| Doctor Visit | Up to Policy Maximum |
| Urgent Care | Up to Policy Maximum |
| Hospital Room and Board | Average semi-private room rate, including nursing services. |
| Ambulance | Up to $300 per injury or illness, when covered illness or injury results in hospitalization as inpatient |
| Prescription | 50% of actual charges. |
Complete details are given in certificate of insurance.
Complete details are given in certificate of insurance.
| Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) |
Up to $25,000 lifetime maximum for eligible medical expenses |
You may renew your coverage as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a certificate period. Deductible and coinsurance must be re-satisfied as of each renewal date. After four years of continuous coverage or any break in coverage, a new plan must be purchased. A new application is required and you must re-satisfy your deductible, coinsurance, pre-existing condition provisions, and all other benefit limits. Extensions and renewals must be made online with payment by credit card.
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 us. This includes treatment or services for
which the medical provider will bill us directly. No payments will be made by us without you first
submitting a claim.
Notice of claim, Claimant’s Statement and Authorization, and proof of claim must be mailed to:
Tokio Marine HCC - MIS Group
P.O. Box 2005
Farmington Hills, MI 48333-2005
USA.