Page 2 - AtlasTravel_Specimen
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SPECIMENCONTENTS MEDICAL & REPATRIATION EXPENSES ................... 12
MEDICAL EXPENSES........................................... 12
IMPORTANT NOTICE AND DISCLAIMER EMERGENCY MEDICAL EVACUATION............... 13
CONCERNING THE UNITED STATES PATIENT TRIP INTERRUPTION ........................................... 14
PROTECTION AND AFFORDABLE CARE ACT.............3 RETURN OF MINOR CHILDREN.......................... 14
DESCRIPTION OF COVERAGE SUMMARY..................3 POLITICAL EVACUATION .................................... 14
IMPORTANT FEATURES OF YOUR TRAVEL REPATRIATION OF REMAINS ............................. 15
INSURANCE....................................................................3 LOCAL BURIAL OR CREMATION ........................ 15
CANCELLATION ......................................................3 INDEMNITY BENEFIT & VISITATION EXPENSES...... 16
U.S. PREFERRED PROVIDER ORGANIZATION HOSPITAL INDEMNITY......................................... 16
(PPO)........................................................................3 EMERGENCY REUNION ...................................... 16
CLAIMS ....................................................................4 BEDSIDE VISIT ..................................................... 16
APPEALS AND COMPLAINTS ................................4
DEFINITIONS ...........................................................4 TRAVEL ASSISTANCE ................................................ 16
PRE-EXISTING CONDITIONS .................................4 TRAVEL DELAY .................................................... 16
DATA PROTECTION................................................4 LOST CHECKED LUGGAGE ................................ 17
RIGHTS OF THIRD PARTIES ..................................4 NATURAL DISASTER - REPLACEMENT
LAW AND JURISDICTION .......................................4 ACCOMMODATIONS ............................................ 17
TOKIO MARINE HCC MEDICAL INSURANCE BORDER ENTRY PROTECTION .......................... 18
SERVICES GROUP (“MIS GROUP”) .......................4 PET RETURN ........................................................ 18
MEMBER ELIGIBILITY ....................................................5
CERTIFICATE EFFECTIVE & TERMINATION DATES 5 PERSONAL ACCIDENT ............................................... 19
CERTIFICATE EFFECTIVE DATE ...........................5 ACCIDENTAL DEATH AND DISMEMBERMENT.. 19
CERTIFICATE TERMINATION DATE ......................5 COMMON CARRIER ACCIDENTAL DEATH
BENEFIT PERIOD & HOME COUNTRY COVERAGE 5 BENEFIT................................................................ 19
BENEFIT PERIOD....................................................5
INCIDENTAL HOME COUNTRY COVERAGE.........5 SPORTS AND ACTIVITIES .......................................... 21
SCHEDULE OF BENEFITS AND LIMITS........................6 CRISIS RESPONSE ..................................................... 22
CLAIM PROCEDURES....................................................9 PERSONAL LIABILITY ................................................. 23
PROOF OF CLAIM ...................................................9 TERRORISM................................................................. 24
CLAIMS COOPERATION .......................................10 GENERAL EXCLUSIONS ............................................. 25
ACCESS TO ADDITIONAL MATERIALS ...............10 DEFINITIONS ............................................................... 27
OTHER INSURANCE .............................................10 OPTIONAL ACCIDENTAL DEATH & DISMEMBERMENT
ARBITRATION........................................................10 BENEFIT RIDER........................................................... 32
APPEAL AND COMPLAINTS PROCEDURE ................10 OPTIONAL CRISIS RESPONSE BENEFIT RIDER ...... 34
APPEALING A CLAIM ............................................10
COMPLAINTS PROCEDURE ................................11 KIDNAPPING AND EXPRESS KIDNAPPING ....... 34
PRE-EXISTING MEDICAL CONDITIONS .....................11 NATURAL DISASTER EVACUATION ................... 35
ACUTE ONSET OF PRE-EXISTING CONDITION .11 OPTIONAL PERSONAL LIABILITY BENEFIT RIDER .. 37
2 Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group
MEDICAL EXPENSES........................................... 12
IMPORTANT NOTICE AND DISCLAIMER EMERGENCY MEDICAL EVACUATION............... 13
CONCERNING THE UNITED STATES PATIENT TRIP INTERRUPTION ........................................... 14
PROTECTION AND AFFORDABLE CARE ACT.............3 RETURN OF MINOR CHILDREN.......................... 14
DESCRIPTION OF COVERAGE SUMMARY..................3 POLITICAL EVACUATION .................................... 14
IMPORTANT FEATURES OF YOUR TRAVEL REPATRIATION OF REMAINS ............................. 15
INSURANCE....................................................................3 LOCAL BURIAL OR CREMATION ........................ 15
CANCELLATION ......................................................3 INDEMNITY BENEFIT & VISITATION EXPENSES...... 16
U.S. PREFERRED PROVIDER ORGANIZATION HOSPITAL INDEMNITY......................................... 16
(PPO)........................................................................3 EMERGENCY REUNION ...................................... 16
CLAIMS ....................................................................4 BEDSIDE VISIT ..................................................... 16
APPEALS AND COMPLAINTS ................................4
DEFINITIONS ...........................................................4 TRAVEL ASSISTANCE ................................................ 16
PRE-EXISTING CONDITIONS .................................4 TRAVEL DELAY .................................................... 16
DATA PROTECTION................................................4 LOST CHECKED LUGGAGE ................................ 17
RIGHTS OF THIRD PARTIES ..................................4 NATURAL DISASTER - REPLACEMENT
LAW AND JURISDICTION .......................................4 ACCOMMODATIONS ............................................ 17
TOKIO MARINE HCC MEDICAL INSURANCE BORDER ENTRY PROTECTION .......................... 18
SERVICES GROUP (“MIS GROUP”) .......................4 PET RETURN ........................................................ 18
MEMBER ELIGIBILITY ....................................................5
CERTIFICATE EFFECTIVE & TERMINATION DATES 5 PERSONAL ACCIDENT ............................................... 19
CERTIFICATE EFFECTIVE DATE ...........................5 ACCIDENTAL DEATH AND DISMEMBERMENT.. 19
CERTIFICATE TERMINATION DATE ......................5 COMMON CARRIER ACCIDENTAL DEATH
BENEFIT PERIOD & HOME COUNTRY COVERAGE 5 BENEFIT................................................................ 19
BENEFIT PERIOD....................................................5
INCIDENTAL HOME COUNTRY COVERAGE.........5 SPORTS AND ACTIVITIES .......................................... 21
SCHEDULE OF BENEFITS AND LIMITS........................6 CRISIS RESPONSE ..................................................... 22
CLAIM PROCEDURES....................................................9 PERSONAL LIABILITY ................................................. 23
PROOF OF CLAIM ...................................................9 TERRORISM................................................................. 24
CLAIMS COOPERATION .......................................10 GENERAL EXCLUSIONS ............................................. 25
ACCESS TO ADDITIONAL MATERIALS ...............10 DEFINITIONS ............................................................... 27
OTHER INSURANCE .............................................10 OPTIONAL ACCIDENTAL DEATH & DISMEMBERMENT
ARBITRATION........................................................10 BENEFIT RIDER........................................................... 32
APPEAL AND COMPLAINTS PROCEDURE ................10 OPTIONAL CRISIS RESPONSE BENEFIT RIDER ...... 34
APPEALING A CLAIM ............................................10
COMPLAINTS PROCEDURE ................................11 KIDNAPPING AND EXPRESS KIDNAPPING ....... 34
PRE-EXISTING MEDICAL CONDITIONS .....................11 NATURAL DISASTER EVACUATION ................... 35
ACUTE ONSET OF PRE-EXISTING CONDITION .11 OPTIONAL PERSONAL LIABILITY BENEFIT RIDER .. 37
2 Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group
