International Health Insurance Coverage Overview
What is Covered with Health Insurance for Travel Abroad?
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):
- Inpatient and Outpatient charges made by a Hospital.
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case.
- Charges 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 transfer from an acute care Hospital.
- Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization.
Complications of Pregnancy: Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this International Health Insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity.
Hospital Indemnity: If you are hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Series International Health Insurance will provide $100 for each night you spend in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance.
Acute Onset of a Pre-Existing Condition: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. International Health Insurance Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Emergency Dental: The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100.
Emergency Medical Evacuation: If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by Tokio Marine HCC – MIS Group, the Atlas Series International Health Insurance will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.
Emergency Reunion: In the event of a covered Emergency Evacuation, the Atlas Series International Health Insurance will provide the following benefits: The cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Evacuation and reasonable expenses for lodging and meals for your relative, for a period not to exceed 15 days.
Return of Minor Child(ren): If you are the only person age 18 or older, traveling with one or more child(ren) under the age of 18, who are also covered by the Atlas Series International Health Insurance, and you are Hospitalized for treatment of a covered Illness or Injury resulting in the child(ren) being left unattended for a period of time expected to exceed 36 hours, the Atlas Series Health Insurance for Travel Abroad will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child.
Terrorism: The Atlas Series Health Insurance for Travel Abroad provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:
- 1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
- 2. You have no direct or indirect involvement in the Act of Terrorism.
- 3. The Act of Terrorism is not in a country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to your date of arrival.
- 4. You have not unreasonably failed or refused to depart a country or location following the date an advisory to leave that country or location is issued by the United States government.
An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Accidental Death and Dismemberment: In the event of your Accidental Death (except while traveling on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Series Health Insurance for Travel Abroad will provide the following benefit:
- Accidental Death – Principal Sum to the Beneficiary designated on your Application
- Loss of 2 eyes or 2 or more limbs – Principal Sum to you
- Loss of 1 eye or limb – One Half Principal Sum to you
|14 days to 17 years||$5,000|
|18 to 69||$25,000|
The Accidental Death and Dismemberment benefit is not available for losses incurred during participation in a Hazardous Sport or in respect to losses resulting from an Act of Terrorism.
Common Carrier Accidental Death: In the event of your Accidental Death while traveling on board a commercial common carrier, the Atlas Series Health Insurance for Travel Abroad will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18), subject to a maximum of $250,000 per family, to the Beneficiary designated on your Application. This benefit is not available in respect to losses resulting from an Act of Terrorism.
Repatriation of Remains: In the event of a covered Injury or Illness resulting in your death, the Atlas Series International Health Plans will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
- If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas Series Health Insurance for Travel Abroad will provide the following benefit: The cost of an economy one way air and/or ground transportation ticket for you to the area of your Principal Residence; or
- If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery, the Atlas Series Health Insurance for Travel Abroad will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for your transportation from the area where you were hospitalized following the Emergency Evacuation, to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.
- Lost Checked Luggage: In the event your checked luggage is permanently lost by the carrier, the Atlas Series Health Insurance for Travel Abroad will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and provide copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.Natural Disaster Benefit: In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Series International Health Insurance Coverage will provide up to $100 a day for 5 days if the member is Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim.Atlas Travel Assistance Services: The following Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas plan is in effect. Contact Tokio Marine HCC – MIS Group to access any of these services.
- Pre-Trip Destination Information – Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country
- Provider Referrals – Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken
- Travel Document Replacement – Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents
Lost Luggage Assistance – Tracking service to assist in locating luggage or other items lost in transit
- Lost Luggage Assistance – Tracking service to assist in locating luggage or other items lost in transit
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 Assistance Services are not insurance benefits and provision of any Atlas Travel Assistance Services is not a guarantee of any other benefit 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)|
|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?
Tokio Marine HCC – MIS Group, headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide.
Who is the Insurer?
The Atlas Series Health Insurance for Travel Abroad is insured by Syndicate 4141 at Lloyd’s, London. Lloyd’s is the largest and oldest insurance market in the world and is rated ‘A’ (Excellent) by A.M. Best Company and ‘A+’ (Strong) by Standard & Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.
Tokio Marine HCC’s Client Zone and World Service Center
Whether you have misplaced your ID card or 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 resource tool that allows you to:
- Change personal information
- Renew coverage and reprint ID cards
- Obtain details about claim filing, including downloading necessary forms
- Pre-Notify for certain medical procedures and hospitalizations
- Locate providers within the PPO 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. Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, the Tokio Marine HCC – MIS Group’s Client Relations Specialist will arrange one.
Get your free Health Insurance for Travel Abroad Quote today!