Page 5 - AtlasGroup_Brochure
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Complications of Pregnancy Home Country Coverage termination of the certificate, underwrit-
Atlas Group offers coverage for compli- Incidental Home Country Coverage ers will pay eligible medical expenses,
cations of pregnancy during the first 26
weeks of gestation. For individuals with U.S. as home country, as defined herein, for up to 90 days
for every three-month period during
Crisis Response which the Member is covered hereunder, beginning on the first day of diagnosis or
medical expenses incurred in the U.S. are
Atlas Group offers up to $10,000 (or up covered up to a maximum of 15 days. treatment of a covered injury or illness
to $100,000 if ***additional coverage
is selected) to offset costs associated For individuals with a home country other while the member is outside his or her
with kidnapping, such as ransom, crisis than the U.S., for every three-month
response expenses, and loss of personal period during which the Member is home country and while the certificate
belongings. This benefit includes covered hereunder, medical expenses
access to the services of Unity Crisis incurred in the member’s home country was in effect. The benefit period applies
Group for advice, coordination with law are covered up to a maximum of 30 days.
enforcement, and negotiations during a only to eligible medical expenses related
kidnapping. Any benefit accrued under a single
three-month period does not accumulate to the injury or illness that began while
Personal Liability to another period. Failure of the member
to continue his or her international trip the certificate was in effect.
Atlas Group offers up to $10,000 (or up or the members return to their home
to $100,000 if additional coverage is country for the sole purpose of obtaining Enrollment
selected) to offset the following types treatment for an illness or injury that
of court-entered eligible judgments or began while traveling shall void any You may access the online quoting and
approved settlements incurred by the home country coverage provided under
member: the terms of this agreement. purchasing system or you may complete
• Third-party injury Benefit Period Medical Coverage an application and mail or fax along with
• Damage/loss of a third party’s personal While the certificate is in effect, the your payment to your agent or to Tokio
property benefit period does not apply. Upon
Marine HCC- MIS Group.
• Damage/loss of a related third party’s
personal property Claim Filing
You may file a claim by submitting a
claimant’s statement and authorization
form. This form may be found online,
in ClientZone, or you may contact Tokio
Marine HCC- MIS Group for a copy.
Complete the form, attach all itemized
invoices and payment receipts, and
send them to the address shown on the
claimant’s statement.
This insurance is not subject to, and does not provide
certain insurance benefits required by the United
States’ Patient Protection and Affordable Care Act
(“PPACA”). PPACA requires certain US citizens or US
residents to obtain PPACA compliant health insurance,
or “minimum essential coverage.” PPACA also
requires certain employers to offer PPACA compliant
insurance coverage to their employees. Tax penalties
may be imposed on U.S. residents or citizens who
do not maintain minimum essential coverage, and on
certain employers who do not offer PPACA compliant
insurance coverage to their employees. In some cases,
certain individuals may be deemed to have mini-
mum essential coverage under PPACA even if their
insurance 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.
Atlas Group 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 compa-
nies. 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 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.
Atlas Group offers coverage for compli- Incidental Home Country Coverage ers will pay eligible medical expenses,
cations of pregnancy during the first 26
weeks of gestation. For individuals with U.S. as home country, as defined herein, for up to 90 days
for every three-month period during
Crisis Response which the Member is covered hereunder, beginning on the first day of diagnosis or
medical expenses incurred in the U.S. are
Atlas Group offers up to $10,000 (or up covered up to a maximum of 15 days. treatment of a covered injury or illness
to $100,000 if ***additional coverage
is selected) to offset costs associated For individuals with a home country other while the member is outside his or her
with kidnapping, such as ransom, crisis than the U.S., for every three-month
response expenses, and loss of personal period during which the Member is home country and while the certificate
belongings. This benefit includes covered hereunder, medical expenses
access to the services of Unity Crisis incurred in the member’s home country was in effect. The benefit period applies
Group for advice, coordination with law are covered up to a maximum of 30 days.
enforcement, and negotiations during a only to eligible medical expenses related
kidnapping. Any benefit accrued under a single
three-month period does not accumulate to the injury or illness that began while
Personal Liability to another period. Failure of the member
to continue his or her international trip the certificate was in effect.
Atlas Group offers up to $10,000 (or up or the members return to their home
to $100,000 if additional coverage is country for the sole purpose of obtaining Enrollment
selected) to offset the following types treatment for an illness or injury that
of court-entered eligible judgments or began while traveling shall void any You may access the online quoting and
approved settlements incurred by the home country coverage provided under
member: the terms of this agreement. purchasing system or you may complete
• Third-party injury Benefit Period Medical Coverage an application and mail or fax along with
• Damage/loss of a third party’s personal While the certificate is in effect, the your payment to your agent or to Tokio
property benefit period does not apply. Upon
Marine HCC- MIS Group.
• Damage/loss of a related third party’s
personal property Claim Filing
You may file a claim by submitting a
claimant’s statement and authorization
form. This form may be found online,
in ClientZone, or you may contact Tokio
Marine HCC- MIS Group for a copy.
Complete the form, attach all itemized
invoices and payment receipts, and
send them to the address shown on the
claimant’s statement.
This insurance is not subject to, and does not provide
certain insurance benefits required by the United
States’ Patient Protection and Affordable Care Act
(“PPACA”). PPACA requires certain US citizens or US
residents to obtain PPACA compliant health insurance,
or “minimum essential coverage.” PPACA also
requires certain employers to offer PPACA compliant
insurance coverage to their employees. Tax penalties
may be imposed on U.S. residents or citizens who
do not maintain minimum essential coverage, and on
certain employers who do not offer PPACA compliant
insurance coverage to their employees. In some cases,
certain individuals may be deemed to have mini-
mum essential coverage under PPACA even if their
insurance 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.
Atlas Group 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 compa-
nies. 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 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.
