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 $10,000. Age 70 to 79: $50,000, $100,000, or $250,000. All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000 |
| Doctor Visit | Up to Policy Max |
| Urgent Care |
Claims incurred in U.S. For each visit, you shall be responsible for a $15 co-payment, after which coinsurance will apply. – 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. Upto overall maximum limit |
| Prescription | Up to Policy Max. |
Complete details are given in certificate of insurance.
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.
This insurance policy excludes coverage for pre-existing conditions.
Extend or Renew My Atlas Travel Insurance Coverage
Extension Fee: $5/Extension
After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible, nor will benefit limits be reset.
If your travel does not include the United States and you are not a U.S. Citizen, you may extend your coverage up to a maximum of 365 days. After 365 days of continuous coverage you may renew your policy for two additional 365-day coverage periods. Deductible must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible and Pre-existing Condition provisions.
Extensions or renewals must be made online in the Client Zone 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:
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.