Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's
|Age and Policy Maximum||
Age 80 or older $20,000.
Age 70 to 79: $50,000, $100,000, or $250,000.
All others: $50,000, $100,000, $250,000, $500,000,$1,000,000 or $2,000,000
|Doctor Visit||Up to the overall maximum limit|
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.
|Hospital Room and Board||Up to the overall maximum limit|
|Ambulance||Up to the overall maximum limit|
|Prescription||Up to the overall maximum limit|
Complete details are given in certificate of insurance.
|Pre-Existing Conditions (excludes chronic and congenital conditions)||
Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower
Under age 70: Up to the overall maximum limit $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: www.hccmis.com. For assistance locating a provider, contact us at 1-800-605-2282.
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: a. A $25 cancellation fee will apply for administrative costs incurred by us; and b. Only the unused portion of the plan cost will be refunded; and c. You cannot have filed any claims to be eligible for a premium refund.
This insurance policy has in it a Claims Procedure which tells you what steps you must take to file a claim, and explains our obligations to you. Beginning on the last day of your certificate period, you shall have 60 days to provide us proof of claim. This insurance policy has in it an Appeals and Complaints Procedure which tells you what steps you can take if you wish to make a complaint.
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.