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

  • Eligibility: U.S. Citizens and Non-U.S. Citizens who are at least 14 days to 99 yrs of age are eligible for people visiting outside their home country and excluding USA.
  • Coverage Length: Min 5 days up to max 365 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:After deductible is paid by insured, plan pays 100% up to policy maximum
  • PPO Network: Provides Equian International 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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  • Doctor Visit: Up to policy max.
  • Urgent care: $15 co-payment, after which coinsurance will apply (No deductible).
  • Hospital room and board: Up to policy max.
  • Emergency room: Up to policy max ($200 co-payment for each use of emergency room for an illness unless you are admitted to hospital).
  • X-rays & Lab Services: Up to policy max.
  • Medicine: Up to policy max.
  • Ambulance: Up to policy max.
  • Loss of Checked Baggage: $500, not to exceed $50/item.

Complete details are given in certificate of insurance.

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  • Pre-existing conditions, except acute onset of pre-existing condition.
  • Routine physical exam.
  • Preventive care services such as flu shots.
  • Pregnancy except as covered under Complications of Pregnancy after 26th week of pregnancy.
  • Charges resulting from violation of law.
  • Eye surgery, such as corrective refractory surgery.
  • Eyeglasses, contact lenses, hearing aids.
  • Services provided by a chiropractor.

Complete details are given in certificate of insurance.

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Acute Pre-Ex Coverage

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80) Age 70 to 79: Up to $100,000
Under age 70: Up to the overall maximum limit
Up to $25,000 lifetime maximum for Emergency Medical Evacuation

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 70) – Up to policy maximum. $25,000 lifetime maximum for Emergency Medical Evacuation.

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of  a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

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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 Medical Insurance Group at:

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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:

  • A $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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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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