Page 2 - AtlasTravel-Plans-Comparison-Extract
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International Coverage destination country, Atlas Premium and Atlas Atlas Premium and AtlasTravel offer coverage
Travel will coordinate your alternate departure for complications of pregnancy during the first
Emergency Medical Evacuation and Emer- arrangements from that country and cover 26 weeks of gestation.
gency Reunion eligible associated costs.
Crisis Response
Would you know what to do if you found Natural Disaster – Replacement
yourself in a life-threatening situation far from Accommodations AtlasTravel offers up to $10,000 per
home?Tokio Marine HCC – MIS Group is
experienced in arranging emergency medical Natural disasters can happen anywhere and certificate period (or up to $100,000 if
evacuations. Atlas covers eligible expenses at any time. If a natural disaster occurs on your
necessary to transport you to the nearest med- trip, causing you to become displaced from **additional coverage is selected; $100,000
ical facility qualified to treat your life-threatening your accommodations, AtlasTravel and Atlas
condition. We also understand the importance Premium will provide relief of a maximum of for Atlas Premium) to offset costs associ-
of family support in these difficult situations. $250 a day for 5 days to help co ver the costs
Atlas Premium and AtlasTravel cover transpor- of alternative accommodations. ated with kidnapping such as ransom, crisis
tation, lodging, and meal costs for a relative to
join you after a covered emergency medical Atlas* Quality Benefits response expenses, and loss of personal
evacuation, up to the lifetime limit.
Acute Onset of Pre-Existing Conditions belongings.This benefit includes access to
Repatriation of Remains
AtlasTravel and Atlas Premium provide a the services of Unity Crisis Group for advice,
What would your family do if disaster struck limited benefit up to the medical coverage
while you were away from home?The death life¬time maximum for eligible medical coordination with law enforcement, and
of a loved one is never easy, no matter the expenses. If you are younger than 80, you
circumstances. In the unfortunate event of may be covered for an acute onset of a negotiations during a kidnapping.
your death while traveling abroad,Tokio Marine **pre-existing condition.This also includes up
HCC – MIS Group will arrange for and cover to a $25,000 lifetime maximum for emergency Personal Liability
eligible costs associated with the repatriation medical evacuation.
of your remains. AtlasTravel offers up to $10,000 per certificate
An acute onset of a pre-existing condition period ($100,000 for Atlas Premium) to offset
Return of Minor Children is a sudden and unexpected outbreak or the following types of court-entered eligible
recurrence of a pre-existing condition which judgments or approved settlements incurred
If you are expected to be hospitalized for more occurs spontaneously and without advance by the member:
than 36 hours due to a covered injury or illness warning either in the form of physician recom-
and covered children under 18 years of age will mendations or symptoms.Treatment must be • Third-party injury;
be left unattended as a result, Atlas Premium obtained within 24 hours of the sudden and
and AtlasTravel will cover the transportation unexpected outbreak or recurrence. Chronic • Damage/loss of a third party’s personal
cost for the children to return home. and congenital conditions are excluded from property;
coverage.
Terrorism • Damage/loss of a related third party’s
Hospitalization and OutpatientTreatment personal property.
In these turbulent times, the risk of a terrorist
attack is a reality. If you are in the wrong place If a covered illness or injury requires This insurance is not subject to, and does not provide
at the wrong time, and the country or region hospitalization, the plan provides coverage for certain insurance benefits required by the United
you’re visiting is NOT under a level 3 or level 4 costs associated with hospitalization, including States’ Patient Protection and Affordable Care Act
travel advisory, the Atlas line offers coverage intensive care unit and outpatient treatment. (“PPACA”). PPACA requires certain US citizens or US
for eligible medical expenses resulting from residents to obtain PPACA compliant health insurance,
those acts. Coverage excludes countries or Sports or “minimum essential coverage.” PPACA also
regions for which the U.S. Department of requires certain employers to offer PPACA compliant
State has issued a level 3 (“reconsider travel”) Atlas includes coverage for eligible injuries and insurance coverage to their employees. Tax penalties
or level 4 (“do not travel”) advisory. illnesses that could occur while participating may be imposed on U.S. residents or citizens who
in many popular vacation sports- skiing, do not maintain minimum essential coverage, and on
Political Evacuation snowboarding, snorkeling, water skiing, and certain employers who do not offer PPACA compliant
others- at no additional cost. Certain extreme insurance coverage to their employees. In some cases,
If, during the coverage period and after your sports are excluded from coverage. certain individuals may be deemed to have minimum
arrival, the United States government issues essential coverage under PPACA even if their insurance
a level 3 or level 4 travel advisory for your Complications of Pregnancy coverage does not provide all of the benefits required
by PPACA. You should consult your attorney or tax
professional to determine whether this policy meets
any obligations you may have under PPACA.
The Atlas Series is underwritten by Lloyd’s, London.
Tokio Marine HCC - Medical Insurance Services Group
(MIS Group) is a service company and a member of the
Tokio Marine HCC group of companies. Tokio Marine
HCC - MIS Group has authority to enter into contracts
of insurance on behalf of the Lloyd’s underwriting
members of Lloyd’s Syndicate 4141, which is managed
by HCC Underwriting Agency Ltd.
*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 the terms 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 at 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.
Travel will coordinate your alternate departure for complications of pregnancy during the first
Emergency Medical Evacuation and Emer- arrangements from that country and cover 26 weeks of gestation.
gency Reunion eligible associated costs.
Crisis Response
Would you know what to do if you found Natural Disaster – Replacement
yourself in a life-threatening situation far from Accommodations AtlasTravel offers up to $10,000 per
home?Tokio Marine HCC – MIS Group is
experienced in arranging emergency medical Natural disasters can happen anywhere and certificate period (or up to $100,000 if
evacuations. Atlas covers eligible expenses at any time. If a natural disaster occurs on your
necessary to transport you to the nearest med- trip, causing you to become displaced from **additional coverage is selected; $100,000
ical facility qualified to treat your life-threatening your accommodations, AtlasTravel and Atlas
condition. We also understand the importance Premium will provide relief of a maximum of for Atlas Premium) to offset costs associ-
of family support in these difficult situations. $250 a day for 5 days to help co ver the costs
Atlas Premium and AtlasTravel cover transpor- of alternative accommodations. ated with kidnapping such as ransom, crisis
tation, lodging, and meal costs for a relative to
join you after a covered emergency medical Atlas* Quality Benefits response expenses, and loss of personal
evacuation, up to the lifetime limit.
Acute Onset of Pre-Existing Conditions belongings.This benefit includes access to
Repatriation of Remains
AtlasTravel and Atlas Premium provide a the services of Unity Crisis Group for advice,
What would your family do if disaster struck limited benefit up to the medical coverage
while you were away from home?The death life¬time maximum for eligible medical coordination with law enforcement, and
of a loved one is never easy, no matter the expenses. If you are younger than 80, you
circumstances. In the unfortunate event of may be covered for an acute onset of a negotiations during a kidnapping.
your death while traveling abroad,Tokio Marine **pre-existing condition.This also includes up
HCC – MIS Group will arrange for and cover to a $25,000 lifetime maximum for emergency Personal Liability
eligible costs associated with the repatriation medical evacuation.
of your remains. AtlasTravel offers up to $10,000 per certificate
An acute onset of a pre-existing condition period ($100,000 for Atlas Premium) to offset
Return of Minor Children is a sudden and unexpected outbreak or the following types of court-entered eligible
recurrence of a pre-existing condition which judgments or approved settlements incurred
If you are expected to be hospitalized for more occurs spontaneously and without advance by the member:
than 36 hours due to a covered injury or illness warning either in the form of physician recom-
and covered children under 18 years of age will mendations or symptoms.Treatment must be • Third-party injury;
be left unattended as a result, Atlas Premium obtained within 24 hours of the sudden and
and AtlasTravel will cover the transportation unexpected outbreak or recurrence. Chronic • Damage/loss of a third party’s personal
cost for the children to return home. and congenital conditions are excluded from property;
coverage.
Terrorism • Damage/loss of a related third party’s
Hospitalization and OutpatientTreatment personal property.
In these turbulent times, the risk of a terrorist
attack is a reality. If you are in the wrong place If a covered illness or injury requires This insurance is not subject to, and does not provide
at the wrong time, and the country or region hospitalization, the plan provides coverage for certain insurance benefits required by the United
you’re visiting is NOT under a level 3 or level 4 costs associated with hospitalization, including States’ Patient Protection and Affordable Care Act
travel advisory, the Atlas line offers coverage intensive care unit and outpatient treatment. (“PPACA”). PPACA requires certain US citizens or US
for eligible medical expenses resulting from residents to obtain PPACA compliant health insurance,
those acts. Coverage excludes countries or Sports or “minimum essential coverage.” PPACA also
regions for which the U.S. Department of requires certain employers to offer PPACA compliant
State has issued a level 3 (“reconsider travel”) Atlas includes coverage for eligible injuries and insurance coverage to their employees. Tax penalties
or level 4 (“do not travel”) advisory. illnesses that could occur while participating may be imposed on U.S. residents or citizens who
in many popular vacation sports- skiing, do not maintain minimum essential coverage, and on
Political Evacuation snowboarding, snorkeling, water skiing, and certain employers who do not offer PPACA compliant
others- at no additional cost. Certain extreme insurance coverage to their employees. In some cases,
If, during the coverage period and after your sports are excluded from coverage. certain individuals may be deemed to have minimum
arrival, the United States government issues essential coverage under PPACA even if their insurance
a level 3 or level 4 travel advisory for your Complications of Pregnancy coverage does not provide all of the benefits required
by PPACA. You should consult your attorney or tax
professional to determine whether this policy meets
any obligations you may have under PPACA.
The Atlas Series is underwritten by Lloyd’s, London.
Tokio Marine HCC - Medical Insurance Services Group
(MIS Group) is a service company and a member of the
Tokio Marine HCC group of companies. Tokio Marine
HCC - MIS Group has authority to enter into contracts
of insurance on behalf of the Lloyd’s underwriting
members of Lloyd’s Syndicate 4141, which is managed
by HCC Underwriting Agency Ltd.
*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 the terms 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 at 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.
