Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's
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) (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.
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:
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.
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 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.
No coverage available for these countries when selected on application as home country, citizenship country or destination country.