Policy maximum? Age 80+:$10,000. Age 70 to 79:$50,000, $100,000 or $150,000. All others:$50,000, $100,000, $250,000, $500,000, or $1,000,000
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Atlas Essential insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas Essential insurance underwriter
Underwritten by Lloyds, London.
Atlas Essential travel Insurance for USA
Atlas Essential is for budget-conscious travelers, an Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country.
Atlas Essential insurance has two plans:
Atlas Essential America insurance is ideal for visiting the US.
Atlas Essential International Insurance is ideal for traveling outside the US.
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of Essential paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Tokio Marine HCC(HCCMIS) Atlas Essential travel insurance summary
Atlas Essential insurance coinsurance?
Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit.
Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Atlas Essential insurance restrictions
The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
Hospital room and boardAverage semi-private room rate, including nursing services.
Intensive care unitUp to the overall maximum limit.
Local AmbulanceUsual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
Emergency Room Co-payment – claims incurred in U.S.You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
Urgent Care Center – claims incurred in U.S.For each visit, you shall be responsible for a $15 co-payment, after which coinsurance will apply.
co-payment waived for members with a $0 deductible
not subject to deductible
TerrorismUp to $50,000 lifetime maximum, eligible medical expenses only.
Emergency Medical EvacuationUp to $500,000 lifetime maximum, not subject to deductible or coinsurance
Repatriation of RemainsUp to $25,000 lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit).
Local Burial or CremationUp to $5,000 lifetime maximum, not subject to deductible or coinsurance.
Atlas Essential insurance - Provider network and how to find hospital or doctor?
Tokio Marine HCC maintains a wide network of health care providers. In US there are 2 options: First Health care network and United health care.
You need to check your insurance card to find any one of the below 2 logos:
If you are traveling within the U.S. and have First Health logo on your ID card then click here
If you are traveling within the U.S. and have United Healthcare logo on your ID card then click here
Outside US: Equian International Provider Network
If you are traveling outside the U.S. and have the Equian logo on your ID card, then click here Find Provider Network
Tokio Marine HCCMIS resourceful travel insurance links