Coverage Overview

With Health Insurance for Travel Abroad all benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and limits.

Medical

  • Inpatient and Outpatient charges made by the Hospital
  • Charges made by a Physician, Surgeon, Radiologist, and Anesthesiologist, and any other medical specialist to whom the Physician has referred the case
  • Changes made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
  • Charges for diagnostic testing using radiology, ultrasonographic or laboratory services

  • Charges for oxygen and other gases and anesthetics and their administration
  • Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs
  • Charges made by a licensed Extended Care Facility upon direct from an acute care Hospital
  • Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization

Other travel and medical assistance services available include

Prescription Drug Replacement | Emergency Travel Arrangements | Dispatch of Physician | Translation Assistance | Credit Card/Traveler Check Replacement

* Atlas Travel Insurance Services are not insurance benefits and provision of any Atlas Travel Assistance Services is not a guarantee of any other benefits under the Atlas Series

Schedule of Benefits and Limits
Deductibles $0, $100, $250, $500, $1,000 or $2,500 per Certificate Period
Coinsurance – Claims incurred in US or Canada: For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit
Coinsurance – Claims incurred outside US or Canada: For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
Hospital Room and Board: Average Semi-private room rate, including nursing services
Local Ambulance: Usual, Reasonable and Customary charges
Hospital Indemnity: $100 per day (not subject to Deductible or Coinsurance)
Intensive Care Unit: Usual, Reasonable and Customary charges
Outpatient Treatment: Usual, Reasonable and Customary charges
Acute Onset of Pre-existing Condition: $15,000 limit per Certificate Period for Eligible Medical Expenses; $25,000 limit per Certificate Period for Emergency Medical Evacuation (only available to members under age 70)
Physical Therapy: $50 per visit
All Other Eligible Medical Expenses: Usual, Reasonable and Customary charges
Emergency Dental: Accident – Overall Maximum Limit Acute Onset of Pain – $100 limit per Certificate Period
Emergency Medical Evacuation: $500,000 Lifetime Maximum, except as provided under Acute Onset of Pre-existing Condition (not subject to Deductible or Coinsurance)
Emergency Reunion: $15,000 limit per Certificate Period
Return of Minor Children: $5,000 limit per Certificate Period
Terrorism: $50,000 Maximum Lifetime Limit, Medical Expenses only
Accidental Death and Dismemberment: Principal Sum: $25,000 Adults age 18-69; $12,500 Adults age 70-74; $6,250 Adults age 75 and above; $5,000 Children age 17 and below (not subject to Deductible or Coinsurance)
Common Carrier Accidental Death: $50,000 per adult, $25,000 children under age 18; $250,000 Maximum per family (not subject to Deductible or Coinsurance)
Repatriation of Remains: Overall Maximum Limit (not subject to Deductible or Coinsurance)
Trip Interruption: $5,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Lost Checked Luggage: $250 limit per Certificate Period (not subject to Deductible or Coinsurance) (not subject to Deductible or Coinsurance)or following a disaster strike
Natural Disaster Benefit Up to $100 a day for 5 days when Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike
Hospital Pre-Notification Penalty: 50% of Eligible Medical Expenses
Optional Hazardous Sports Rider: Overall Maximum Limit
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment and Common Carrier Accidental Death): Age 14 days to 69 – $50,000, $100,000, $500,000 or $1,000,000; Age 70 to 79 – $50,000; Age 80 or older – $10,000
Who is the Plan Administrator/Insurer?
Tokio Marine HCC - MIS Group
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Tokio Marine HCC - MIS Group, headquarter in Indianapolis, Indiana, is full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide.

Tokio Marine HCC's Client Zone and World Service Center

Whether you have misplaced your ID card to benefit booklet, need assistance with a claim, or have a question about benefits, Tokio Marine HCC - MIS Group is always ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone.

Client Zone is an online account management and resources tool that allows you to:

  • Change personal information
  • Renew coverage and reprint ID cards
  • Obtain details about claim filling, including downloading necessary forms
  • Pre-Notify for certain procedures and hospitalizations
  • Locate providers within the PRO Network

  • Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
  • Access health and wellness information
  • View and download brochures, obtain policy information, or get quotes for other products offered by Tokio Marine HCC - MIS Group

At times, there is simply no substitute for human intervention. Tokio Marine HCC - MIS Group’s Client Relations team is available 24 hours a day, 7 days a week to answer your questions about travel International Health Insurance Coverage and may be reached at no cost through our worldwide 800 numbers.

Privacy Policy

Tokio Marine HCC - MIS Group respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact us or visit our website to obtain a full version of our Privacy Policy.

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