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Atlas Travel The Atlas Travel plan from Tokio Marine HCC – MIS Group (MIS Group), a member of Tokio Marine HCC, is withyou almost anywhere in the world you may travel for vacation, study abroad, corporate travel, or mission work.
Whatever your reason,international travel shouldbe a pleasant experience.Complications and emergenciessuch as illness, injury, and naturaldisasters are a fact of life. Whilewe hope none of these incidentshappen, we’re here to help ifthey do.That’s why Atlas Travel providescoverage for unexpected medicalexpenses as well as emergencytravel benefits and multilingualtravel assistance services.Do I need travel medical insurance?insurance group conducting businessMany times, the primary medicalin approximately 180 countries andinsurance in your home country offersunderwriting more than 100 classes oflittle or no coverage for medicalspecialty insurance. Headquartered inexpenses incurred as you travel outsideHouston, Texas, the company is made upof your home country. Atlas Travelof highly entrepreneurial teams equippedprovides international coverage as wellto underwrite special situations, compa-as important benefits like Emergencynies, and individuals acting independentlyMedical Evacuation, Hospital Room andto deliver effective solutions.Board, and Crisis Response for kidnapOur prod-ucts and capabilities set theand ransom situations abroadstandard for the industry, and manyFor more information about AtlasTravel, please visit hccmis.com.After purchasing coverage, howcan I trust the company to be thereif I need them?Tokio Marine HCC – MIS Group,headquartered in the United States inIndianapolis, Indiana, is a full-serviceof our nearly 2,500 employees areindustry-leading experts. Tokio MarineHCC is part of Tokio Marine, a premierglobal company with a market cap ofapproximately 30 billion.*Tokio Marine HCC holds a financialstrength rating of AA- for Standard& Poor’s and Fitch Ratings and A (Superior) by A.M. Best Company.company offering international medicalFor more information about Atlasinsurance designed to meet needs ofTravel, please visit hccmis.com.consumers worldwide.Tokio Marine HCC is a leading specialty*At the time of printing. For more information onthese ratings, please visit: www.standardandpoors.com, www.ambest.com, and www.fitchratings.com.
Atlas Travel Schedule of Benefits and LimitsPLAN DETAILSDeductibles 0, 100, 250, 500, 1,000, 2,500, or 5,000 per certificate period.Age 80 or older - 10,000; Age 65 to 79 - 50,000 or 100,000; All others - 50,000, 100,000, 250,000, 500,000, 1,000,000, or 2,000,000.CoinsuranceWe will pay 100% of eligible expenses after the deductible up to the overall maximum limit.Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.BENEFITLIMITHospital Room and BoardAverage semi-private room rate, including nursing services.Local AmbulanceUsual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.Intensive Care UnitUp to the overall maximum limit.Claims incurred in the U.S.You shall be responsible for a 200 co-payment for each use of emergency room for an illness unless you are admittedto the hospital.Emergency Room Co-paymentThere will be no copayment for emergency room treatment of an injury.Claims incurred outside the U.S.No co-paymentClaims incurred in the U.S.For each visit, you shall be responsible for a 15 co-payment– co-payment is waived for members with a 0 deductibleUrgent Care Center Co-payment– not subject to deductibleClaims incurred outside the U.S.No co-paymentOutpatient Physical Therapy and Chiropractic CareUp to 50 maximum per day. Must be ordered in advance by a physician.All Other Eligible Medical ExpensesUp to the overall maximum limit.Up to the overall maximum limit.Acute Onset of Pre-existing Condition (excludes chronic andcongenital conditions) (only available to members under age 80) Up to 25,000 lifetime maximum for Emergency Medical Evacuation.Emergency Dental (Acute Onset of Pain)Up to 300 – not subject to deductibleEmergency Eye Exam for a Covered LossUp to 150. 50 deductible per occurrence (plan deductible is waived).EMERGENCY TRAVEL BENEFITSLIMITUp to 1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition. – not subject toEmergency Medical Evacuationdeductible or overall maximum limitReturn of Minor ChildrenUp to 50,000 – not subject to deductiblePet ReturnUp to 1,000 – not subject to deductibleEqual to the elected overall maximum limit - not subject to deductible or coinsuranceRepatriation of RemainsThis limit is for this benefit only and is not included in or subject to the overall maximum limit.Emergency ReunionUp to 100,000, subject to a maximum of 15 days – not subject to deductibleNatural Disaster – Replacement AccommodationsUp to 250 a day for 5 days – not subject to deductibleTrip InterruptionUp to 10,000 – not subject to deductibleUp to 100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.Travel Delay– not subject to deductibleLost Checked LuggageUp to 1000 – not subject to deductibleLost or Stolen Passport/Travel VisaUp to 100 – not subject to deductiblePolitical EvacuationUp to 100,000 lifetime maximum – not subject to deductibleAccidental Death & Dismemberment (excludes loss due to common carrier accident)Ages 18 through 69Ages 70 through 74Lifetime Maximum - 25,000Lifetime Maximum - 12,500 250,000 maximum benefit any one family or group.Death - 12,500Death - 25,000– not subject to deductible or overall maximum limitLoss of 2 Limbs - 12,500Loss of 2 Limbs - 25,000Loss of 1 Limb - 6,250Loss of 1 Limb - 12,500Ages 75 and olderUnder age 18Lifetime Maximum - 6,250Lifetime Maximum - 5,000Death - 6,250Death - 5,000Loss of 2 Limbs - 6,250Loss of 2 Limbs - 5,000Loss of 1 Limb - 3,125Loss of 1 Limb - 2,500Overall Maximum LimitOptional Accidental Death & Dismemberment Rider (onlyavailable to members age 18 through age 69)Lifetime Maximum - 25,000Death - 25,000Loss of 2 Limbs - 25,000Loss of 1 Limb - 12,500- not subject to deductible or overall maximum limitCommon Carrier Accidental DeathAges 18 through 69 50,000Under age 18 10,000Ages 70 through 74 25,000Ages 75 and older 12,500Subject to a maximum of 250,000 any one family or group.Crisis Response - Ransom, Personal Belongings, and CrisisResponse Fees and Expenses- not subject to deductible or overall maximum limitUp to 10,000 – not subject to deductible or overall maximum limitBedside VisitOptional Crisis Response buy-up with Natural Disaster Evacuation Coverage. 90,000 per certificate period, with 10,000 maximum for Natural Disaster Evacuation. 100 per day of inpatient hospitalization – not subject to deductibleUp to: 25,000 lifetime maximum 25,000 third person injury 25,000 third person property 2,500 related third person property– not subject to deductible or overall maximum limitOptional Personal Liability Rider of up to 75,000 Lifetime max.– not subject to deductible or overall maximum limitUp to 1,500 – not subject to deductibleBorder Entry ProtectionUp to 500 if traveling on a valid B-2 visa and denied entrance at the U.S. border – not subject to deductibleHospital IndemnityPersonal Liability
International CoverageEmergency Medical Evacuation andIn these turbulent times, the risk of aterrorist attack is a reality. If you are in thewrong place at the wrong time, and thecountry or region you’re visiting is NOTunder a level 3 or level 4 travel advisory,Atlas Travel offers coverage for eligiblemedical expenses resulting from thoseacts. Coverage excludes countries orregions for which the U.S. Departmentof State has issued a level 3 (“reconsidertravel”) or level 4 (“do not travel”) advisoryin the 6 months prior to your arrival date.Emergency ReunionPolitical EvacuationWould you know what to do if you foundyourself in a life-threatening situationfar from home? Tokio Marine HCC - MISGroup is experienced in arranging emergency medical evacuations. Atlas Travelwill cover eligible expenses necessaryto transport you from an initial treatingfacility to the nearest hospital qualifiedto treat your life-threatening condition.We also understand the importanceof family support in these difficultsituations. Atlas Travel will also cover thetransportation, lodging, and meal costsfor a relative to join you after a coveredemergency medical evacuation, up tothe lifetime limit.If, during the coverage period and afteryour arrival, the U.S. Department of Statesissues a level 3 or level 4 travel advisoryfor your destination country, Atlas Travelwill coordinate your alternate departurearrangements from that country and covereligible associated costs.Repatriation of RemainsWhat would your family do if disasterstrikes while you are away from home?The death of a loved one is nevereasy, no matter the circumstances. Inthe unfortunate event of your deathwhile traveling abroad, Atlas Travel willarrange for and cover eligible costsassociated with the repatriation of yourremains.Return of Minor ChildrenIf you are expected to be hospitalizedfor more than 36 hours due to a coveredinjury or illness and covered childrenunder 18 years of age will be leftunattended as a result, Atlas Travel willcover the eligible transportation cost forthe children to return home.TerrorismNatural Disaster – ReplacementAccommodationsNatural disasters can happen anywhereand at any time. If a natural disaster occurson your trip, causing you to becomedisplaced from your planned and paidaccommodations, Atlas Travel will providerelief of a maximum of 250 a day for 5days to help cover the costs of alternativeaccommodations.Atlas Travel* Quality BenefitsAcute Onset of Pre-Existing ConditionsAtlas Travel provides a limited benefit up tothe medical coverage lifetime maximumfor eligible medical expenses. If you areyounger than 80, you may be covered for anacute onset of a pre-existing condition. Thisalso includes up to a 25,000 lifetime maximum for emergency medical evacuation.An acute onset of a pre-existing conditionis a sudden and unexpected outbreak orrecurrence of a pre-existing condition whichoccurs spontaneously and without advancewarning, either in the form of physicianrecommendations or symptoms. Treatmentmust be obtained within 24 hours ofthe sudden and unexpected outbreakor recurrence. Chronic and congenitalconditions, complications or consequencesof a chronic or congenital condition, orconditions that gradually become worseover time are excluded from coverage.Hospitalization and Outpatient TreatmentIf a covered illness or injury requireshospitalization, the plan provides coverage for eligible costs associated withhospitalization, including intensive careunit and outpatient treatment.Sports CoverageAtlas Travel includes coverage for eligibleinjuries and illnesses that could occurwhile participating in many popularvacation sports - skiing and snowboarding(recreational downhill and/or cross country), snorkeling, water skiing, and others- at no additional cost. Certain extremesports are excluded from coverage.Complications of PregnancyAtlas Travel offers coverage for complications of pregnancy during the first 26weeks of gestation.Crisis ResponseAtlas Travel offers up to 10,000 (or upto 100,000 if **additional coverageis selected) to offset costs associatedwith kidnapping, such as ransom, crisisresponse expenses, and loss of personalbelongings. This benefit includes accessto the services of Unity Crisis Group foradvice, coordination with law enforcement,and negotiations during a kidnapping.Personal LiabilityAtlas Travel offers up to 25,000 (or up to 100,000 if additional coverage is selected)to offset the following types of courtentered eligible judgments or approvedsettlements incurred by the member: Third-party injury; Damage/loss of a third party’s personalproperty; Damage/loss of a related third party’spersonal property.*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect theterms and conditions of any insurance policy issued by Tokio Marine HCC -MIS Group or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.**A pre-existing condition is any condition: for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you***A buy-up of an additional 90,000 is available for selection, which includes the added benefit of a 10,000 maximum for natural disaster evacuation.
for an illness or injury that began whilein Client Zone, or you may contact Tokiotraveling shall void any home countryMarine HCC – MIS Group for a copy.coverage provided under the terms ofComplete the form, attach all itemizedthis agreement.invoices and payment receipts, andBenefit Period Medical Coveragesend them to the address shown on theWhile the certificate is in effect, the benefitperiod does not apply. Upon terminationHome Country Coverageof the certificate, underwrit ers will payIncidental Home Country Coverageeligible medical expenses, as definedFor individuals with U.S. as homeherein, for up to 90 days. This period beginscountry, for every three-month periodon the first day of diagnosis or treatmentduring which the member is coveredof a covered injury or illness incurred whilehereunder, medical expenses incurredthe member was outside his or her homein the U.S. are covered up to a maxi-country and while the certificate was inmum of 15 days.effect. The benefit period applies onlyFor individuals with a home countryother than the U.S., for everythree-month period during which theto eligible medical expenses related tothe injury or illness that began while thecertificate was in effect.member is covered hereunder, medicalEnrollmentexpenses incurred in the member’sYou may access the online quoting andhome country are covered up to apurchasing system, or you may completemaximum of 30 days.an application and mail or fax along withAny benefit accrued under ayour payment to your agent or to Tokiosingle three-month period does notMarine HCC - MIS Group.accumulate to another period. FailureClaim Filingof the member to continue his orher international trip or the memberreturning to their home country for thesole purpose of obtaining treatmentYou may file a claim by submitting aClaimant’s Statement and AuthorizationForm. This form may be found online,Claimant’s Statement and Authorizationform.Patient Protection and Affordable Care Act(“PPACA”): This insurance is not subject to, anddoes not provide certain insurance benefits requiredby, the United States’ Patient Protection andAffordable Care Act (“PPACA”). PPACA requirescertain US citizens or US residents to obtain PPACAcompliant health insurance, or “minimum essentialcoverage.” PPACA also requires certain employers tooffer PPACA compliant insurance coverage to theiremployees. Tax penalties may be imposed on U.S.residents or citizens who do not maintain minimumessential coverage, and on certain employers whodo not offer PPACA compliant insurance coverage totheir employees. In some cases, certain individuals may be deemed to have minimum essentialcoverage under PPACA even if their insurancecoverage does not provide all of the benefits requiredby PPACA. You should consult your attorney or taxprofessional to determine whether this policy meetsany obligations you may have under PPACA.Atlas Travel is underwritten by Lloyd’s. TokioMarine HCC - Medical Insurance Services Group(MIS Group) is a service company and a member ofthe Tokio Marine HCC group of companies. TokioMarine HCC - MIS Group has authority to enter intocontracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which ismanaged by HCC Underwriting Agency Ltd.
Outstanding Customer ServiceMedical Monitoring Translation AssistanceClient Zone and World Service CenterConsultations with attending medical Credit Card / Traveler’s Check Replace-Tokio Marine HCC - MIS Group Clientprofessionals during hospitalizationZone is an online account managementand establishment of a single point-of-and resource tool available to:contact for family members to receive Extend coverage and reprint ID cards Obtain details about claim filing anddownloading formsongoing updates regarding medicalstatus.Provider Referrals Locate providers within the PPO NetworkContact information for Western-styleLog In to Client Zone at:practices, and pharmacies in the destina-https://zone.hccmis.com/clientzoneIf you prefer to speak to a professionalmedical facilities, medical and dentaltion country.Travel Document Replacementservice representative, contact the TokioAssistance with obtaining replacementMarine HCC - MIS Group World Servicepassports, birth certificates, visas,Center by calling toll-free from variousairline tickets, and other travel-relatedcountries or by calling collect. The Worlddocuments.Service Center can provide service inLost Luggage Assistancemany different languages.Worldwide Travel and MedicalAssistanceTracking service to assist in locatingluggage or other items lost in transit.Other Travel Assistance Services*Atlas Travel includes valuable travel andmedical assistance services, which are Prescription Drug Replacementavailable 7 days a week, 365 days a year. Emergency Travel ArrangementsContact Tokio Marine HCC - MIS Group to Dispatch of Physicianaccess any of these services.Contaact UsZainuddean A. JeewanjeeZain Jeewanjee Insurance Agency1894 Hamilton Ave Suite 101San Jose, CA 95125Phone: 408-478-9990Fax: 408-997-7890E-mail: sale@g1g.comwww.g1g.comA member of the Tokio Marine HCC group of companiesKHE2FFFYH6SP-152-1831ment*For a complete list of available assistance servicesor for more information, please contact TokioMarine HCC - MIS Group. Travel and medicalassistance services are not insurance benefits. Anytravel or medical assistance service provided is nota guarantee of any insurance benefit.
HCC is part of Tokio Marine, a premier global company with a market cap of approximately 30 billion.* Tokio Marine HCC holds a nancial strength rating of AA- for Standard & Poor s and Fitch Ratings and A (Superior) by A.M. Best Company. For more information about Atlas Travel, please visit hccmis.com. *At the time of printing.
