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Hospitalization & Outpatient Treatment Home Country Coverage shown on the claimant’s statement.

If a covered illness or injury requires Benefit Period Medical Coverage Patient Protection and Affordable Care Act
hospitalization, the plan provides cov- (“PPACA”): This insurance is not subject to, and
erage for eligible costs associated with While the certificate is in effect, the does not provide certain insurance benefits required
hospitalization, including intensive care benefit period does not apply. Upon by the United States’ Patient Protection and Afford-
unit, and outpatient treatment. termination of the certificate, underwrit- able Care Act (“PPACA”). PPACA requires certain
ers will pay eligible medical expenses, US citizens or US residents to obtain PPACA com-
Sports Coverage as defined herein, for up to 90 days pliant health insurance, or “minimum essential cov-
beginning on the first day of diagnosis or erage.” PPACA also requires certain employers to
Atlas MultiTrip includes coverage for treatment of a covered injury or illness offer PPACA compliant insurance coverage to their
eligible injuries and illnesses that could while the member is outside his or her employees. Tax penalties may be imposed on U.S.
occur while participating in many popular home country and while the certificate residents or citizens who do not maintain minimum
vacation sports- skiing, snowboarding, was in effect. The benefit period applies essential coverage, and on certain employers who
snorkeling, water skiing, and others- at only to eligible medical expenses related do not offer PPACA compliant insurance coverage
no additional cost. Certain extreme to the injury or illness that began while to their employees. In some cases, certain individ-
sports are excluded from coverage. the certificate was in effect. uals may be deemed to have minimum essential
coverage under PPACA even if their insurance cov-
Crisis Response Enrollment erage does not provide all of the benefits required
by PPACA. You should consult your attorney or tax
Atlas MultiTrip offers up to $10,000 (or up You may access the online quoting and professional to determine whether this policy meets
to $100,000 **if additional coverage is purchasing system or you may complete any obligations you may have under PPACA.
selected) to offset costs associated with an application and mail or fax along with
kidnapping, such as ransom, crisis response your payment to your agent or to Tokio Atlas MultiTrip is underwritten by Lloyd’s, London.
expenses, and loss of personal belongings. Marine HCC- MIS Group. Tokio Marine HCC - Medical Insurance Services
This benefit includes access to the services Group (MIS Group) is a service company and a
of Unity Crisis Group for advice, coordina- Claim Filing member of the Tokio Marine HCC group of compa-
tion with law enforcement, and negotiations nies. Tokio Marine HCC - MIS Group has authority
during a kidnapping. You may file a claim by submitting a to enter into contracts of insurance on behalf of the
claimant’s statement and authorization Lloyd’s underwriting members of Lloyd’s Syndicate
Personal Liability form. This form may be found online, or 4141, which is managed by HCC Underwriting
you may contact Tokio Marine HCC-MIS Agency
Atlas MultiTrip offers up to $10,000 (or up to Group for a copy. Complete the form,
$100,000 if additional coverage is selected) attach all itemized invoices and payment
to offset the following types of court-entered receipts, and send them to the address
eligible judgments or approved settlements
incurred by the member.

• Third-party injury;
• Damage/loss of a third party’s personal

• Damage/loss of a related third party’s

personal property.
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