Atlas Travel

International Travelers Medical and Travel Safety Insurance for Individual & Family

by Tokio Marine HCC

for travel anywhere in the world

Three options to choose from

What is International Travelers Health and Travel Safety Insurance for Individuals and Family?

When you are traveling abroad from your home country, alone or with family, you need medical and travel protection for your health and travel safety. Tokio Marine HCC MIS offers three plans having different levels of benefits for you to choose from: i) Atlas Essential, the most economical version, ii) Atlas Travel provides intermediate level of protection, and iii) Atlas Premium provides highest level of protection.

Insurance protection is available from minimum 5 days to 364 days. In addition to medical benefits for injuries and illnesses, this insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports.

Things to know before I sign up for it

What are the brief features of these plans?

  • U.S. and Non-U.S. Citizens who are at least 14 days age to 69+: benefits limit range from $50,000 to $1,000,000. For age group 70 to 79: the benefits limit is either $50,000 or $100,000; and for age 80 or older: the benefits are limited to $10,000.
  • The period of coverage for medical expenses due to illness and accident is from the moment you depart from your home country and stay abroad to the moment of your arrival back to home country. In addition to medical coverage, the policy also covers emergencies like:
    • emergency medical evacuation,
    • repatriation of remains, local burial or cremation, accidental death and dismemberment,
    • terrorism,
    • crisis response like ransom, personal belongings, emergency reunion, bedside visit, return of minor children, pet return, political evacuation, trip interruption, lost checked luggage, travel delay, emergency dental, natural disaster, hospital indemnity, and personal liability.
  • After termination of the coverage period within departure and arrival back to your home country, you have an extended coverage of a Benefit Period of up to 90 days beginning on the first day of diagnosis or treatment of Injury or illness you sustained abroad.
  • In addition to coverage abroad, your policy covers ‘Incidental home country coverage’ in case you make incidental trip(s) back to your home country. For U.S. Citizens, it is no more than 15 days per three-month period of coverage, and for non-U.S. Citizens, it is 30 days for any three-month period, and then you continue with your international travels and stay abroad. The policy does not cover you if you get back to your home country with the purpose to obtain treatment of an illness or injury you sustained abroad.
  • If you are a non-U.S. citizen or resident and your travel does not include the U.S. or U.S. territories, the maximum coverage duration is 365 days. You can renew coverage for two additional coverage periods. Coverage renewal requires satisfaction of a new deductible and coinsurance. If you are not this category of traveler, the maximum duration of coverage is 364 days and coverage is not renewable. You can do extensions and renewals online in your Client Zone
  • You must familiarize yourself with a number of exclusions in the plan, and Definitions of Terms
    given in the Description of Coverage booklet for the selected plan.
  • These plans come with worldwide network of healthcare providers who offer you discounted medical costs and out-of-pocket expenses.

 

Show me quick comparison of these three plans!

travel

Click below for quick comparison of these three plans: Atlas Essential, Atlas
Travel, and Atlas Premium.

Browse Download

What do I need to know more before I sign up!

Look over the Description of Coverage of each of three plan, and then click on Sign up for Plan you have selected, and follow the prompts:

Atlas Essential Watch Video
Description of Coverage Highlights of Benefits Sign up for Plan
individual & family coverage
  • 7 Deductibles, $0.00 to $5,000.
  • Coinsurance: 75% within PPO. Outside PPO: Usual, reasonable and customary
  • Pre-existing: $0
  • AD & D: $0
  • Emergency Medical Evacuation: $500,000
  • Maximum Coverage: $50K to $1 Million
individual & family sign up

 

Atlas Travel Watch Video

 

Description of Coverage Highlights of Benefits Sign up for Plan
Atlas Travel
  • Seven Deductibles, $0.00 to $5,000.
  • Coinsurance: 100% within PPO. Outside PPO: Usual, reasonable and customary
  • Pre-existing: Limited
  • AD & D: Max. $250,000 per any one family or group
  • Emergency Medical Evacuation: $500,000
  • Personal Liability: Up to $10,000. Option up to $90,000
  • Maximum Coverage: $50K to $1 Million
individual & family sign up atlas travel

 

Atlas Premium Watch Video
Description of Coverage Highlights of Benefits Sign up for Plan
atlas premium plan
  • 7 Deductibles, $0.00 to $5,000.
  • Coinsurance: 100% within PPO. Outside PPO: Usual, reasonable and customary
  • Pre-existing: Limited
  • AD & D: $250,000 per any one family or group
  • Emergency Medical Evacuation: $500,000
  • Personal Liability: Up to $100,000.
  • Maximum Coverage: $50K to $2 Million
atlas premium sign up

 

What do I need to know more before I sign up!

Look over the Description of Coverage of each of three plan, and then click on Sign up for Plan you have selected, and follow the prompts:

Atlas Essential Watch Video
Description of Coverage Highlights of Benefits Sign up for Plan
individual & family coverage
  • 7 Deductibles, $0.00 to $5,000.
  • Coinsurance: 75% within PPO. Outside PPO: Usual, reasonable and customary
  • Pre-existing: $0
  • AD & D: $0
  • Emergency Medical Evacuation: $500,000
  • Maximum Coverage: $50K to $1 Million
individual & family sign up

 

Atlas Travel Watch Video

 

Description of Coverage Highlights of Benefits Sign up for Plan
Atlas Travel
  • Seven Deductibles, $0.00 to $5,000.
  • Coinsurance: 100% within PPO. Outside PPO: Usual, reasonable and customary
  • Pre-existing: Limited
  • AD & D: Max. $250,000 per any one family or group
  • Emergency Medical Evacuation: $500,000
  • Personal Liability: Up to $10,000. Option up to $90,000
  • Maximum Coverage: $50K to $1 Million
individual & family sign up atlas travel

 

Atlas Premium Watch Video
Description of Coverage Highlights of Benefits Sign up for Plan
atlas premium plan
  • 7 Deductibles, $0.00 to $5,000.
  • Coinsurance: 100% within PPO. Outside PPO: Usual, reasonable and customary
  • Pre-existing: Limited
  • AD & D: $250,000 per any one family or group
  • Emergency Medical Evacuation: $500,000
  • Personal Liability: Up to $100,000.
  • Maximum Coverage: $50K to $2 Million
atlas premium sign up

 

How do I find medical care providers?

These plans come with worldwide network of healthcare providers who offer you discounted medical costs and out-of-pocket expenses.

Click below to find about networks of Medical Care Providers in U.S. and worldwide:

Worldwide Providers Network National PPO Network in U.S. Doctors Network in U.S. Dental Providers in U.S.
Worldwide Providers Network National PPO Network in U.S. Doctors NEtworks Dental Providers in U.S.

 

How do I find medical care providers?

These plans come with worldwide network of healthcare providers who offer you discounted medical costs and out-of-pocket expenses.

Click below to find about networks of Medical Care Providers in U.S. and worldwide:

Worldwide Providers Network National PPO Network in U.S. Doctors Network in U.S. Dental Providers in U.S.
Worldwide Providers Network National PPO Network in U.S. Doctors NEtworks Dental Providers in U.S.

 

I want to sign up. How should I go about it? What?

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Choose from one of the plan below

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Enter your information and browse plans

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Select the plan of your preference, and choose deductible.

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Select the plan of your preference, and choose deductible.

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Follow instruction in the email.

I just signed up. Now What?

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An email arrives in your Inbox from Tokio Marine HCC MIS. Read instructions and save this email.

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Register your account. This is Client Zone. Familiarize yourself with your account page. Download what you need.

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Your ID cards should arrive in the mail in about 3-5 days.

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Go over the policy and understand its scope, benefits, and limitations.

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Find doctor you want to visit, make appointment, and settle fee payment arrangements.

How do I make sure my medical bills are cleared timely?

If you are outside the U.S.

Check with the provider of the medical services if they accept your insurance ID card of Tokio Marine HCC policy and have capability to process medical claims directly. In this case, assign processing of bills to the medical service providers.

If the medical service providers do not process claims with insurer, take all bills from providers, pay for services upfront, take receipts of payments you to make and then file claims with insurance company for reimbursements. Your service provider may accept to wait for you to have insurance company pay directly and establish relationship.

If you are in the U.S.

Verify with the medical service providers in the network that they accept Tokio Marine HCC policy and they will process the claims directly with the insurance company. If so, the insurance company will notify you in Explanation of Benefits statement showing claims paid, claims denied, and what you owe.

Note of caution!

In either case, it is important that you file medical claims with the insurance company or have your medical service provider file claims and check their status online.

If your medical service provider is not dealing directly with insurance company, download online Claim Form, fill the medical services you received, bills of the service providers and submit paper claim by mail, or scan and submit claims to Service@hccmis.com, or preferably go to Client Zone of your registered account, login and submit the claims. You can fill the forms online as well and email supporting bills. As your claims are processed, you will receive a statement of Explanation of Benefits (EOB) from Claims Examiner, which will show claims paid or denied.

I’m a policyholder. I need help!

Phones (U.S.): 800.605.2282; 317.262.2132

QUESTIONS?

Call us at 407-792-6060 or leave message below. We’ll get back to youwithin 24 hours.


 

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Licensed in FL, TX, VA | NPN: 8652757