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 premium 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)
Atlas group insurance offers short term group medical insurance coverage for missionaries, student groups, families, corporate groups and organizations. The group of travelers must comprise of atleast 5 members. 10% discount is available for groups of US citizens or non-US Citizens. It provides coverage for pre-existing condition for travelers in the group up to 70 years.
Acute onset of pre-existing condition coverage
Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions).
Covers $25,000 lifetime maximum for emergency medical evacuation.
Tokio Marine HCC(HCCMIS) Atlas Group Plan Summary
Atlas Group Insurance Eligibility
Groups of 5 or more travelers travelling outside their home country.
Missionary groups: Groups travelling to offer help in disaster relief.
Student groups: Student groups travelling overseas for studies or on excursions.
Family groups: Group of family members travelling abroad.
Individuals who are physically located in the state of New York at time of purchase will not be covered.
Atlas Group Insurance Coinsurance?
We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Emergency medical evacuation$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or coinsurance)
Accidental death & dismemberment
Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $50,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up : $25,000
Local ambulanceUsual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient
Trip interruptionUp to $10,000 – not subject to deductible
Lost checked luggageUp to $500 – not subject to deductible
Emergency dental (acute onset of pain)$250 limit per certificate period (not subject to deductible or coinsurance)
Common Carrier Accidental DeathMembers under age 18: Up to $25,000 lifetime maximum.
Members age 18-69: Up to $50,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Bedside VisitUp to $1,500. Not subject to deductible
Pet ReturnUp to $1,000. Not subject to deductible
Political EvacuationUp to $100,000 lifetime maximum. Not subject to deductible
Natural Disaster – Replacement AccommodationsUp to $250 a day for 5 days. Not subject to deductible
TerrorismUp to $50,000 lifetime maximum, eligible medical expenses only
Personal LiabilityUp to $10,000 lifetime maximum Up to $10,000 third person injury Up to $10,000 third person property Up to $2,500 related third person property Not subject to deductible or overall maximum limit.
Atlas Group insurance coverage for Coronavirus
On March 11, 2020, the U.S. Department of State issued a Global Level 3 Travel Advisory urging U.S. residents to reconsider traveling abroad to any country.
If you are an Atlas Group policyholder, this activates your political evacuation benefit as long as your location has not been under a level 3 or higher advisory in the past 10 days, or prior to your arrival.
All travel health insurance plans in the Atlas Group contain the following exclusion:
Charges resulting from a disease outbreak in a country or location where the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 travel warning are excluded if:
The warning has been in effect within the 6 months immediately prior to your date of arrival, or
You fail to depart the country or location within 10 days following the date the warning is issued
If the CDC Issues a Level 3 Travel Warning for the Location Where You Are Currently Traveling:
Coronavirus-related expenses will be covered for up to 10 days following the date the level 3 warning is issued, given that your expenses do not arise directly or indirectly from another policy exclusion.
Once 10 Days Have Passed from the Date the CDC Issued the Level 3 Travel Warning for Your Current Location:
You will no longer be covered for coronavirus-related expenses. You will still be covered for all other eligible expenses.
What This Exclusion Means for Atlas Group Policyholders
The CDC issued a “Level 3 – Avoid Nonessential Travel” warning for Wuhan, China on January 23, 2020.
The CDC expanded this "Level 3 - Avoid Nonessential Travel" warning to apply to all of China on January 27, 2020.
If you are currently traveling in China and you do not depart the warned-against location within 10 days of the date the warning was issued: Your Atlas or StudentSecure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
If you plan to travel to China against CDC advice while a level 3 travel warning is still in effect: Your Atlas Group plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
If you plan to travel to China after the level 3 travel warning is cancelled or downgraded: Your Atlas Group plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China until 6 months after the date the level 3 travel warning was cancelled or downgraded.
The U.S. Department of State issued a “Level 3: Reconsider Travel” advisory for China on January 27, 2020. This advisory was upgraded to a “Level 4: Do Not Travel” advisory for China on January 30, 2020.
Note that you are still covered for eligible expenses incurred in China while the travel warning is in effect if the expenses do not result from a disease outbreak, terrorist act, political unrest, or other policy exclusions.
Atlas Group 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
TokioMarine HCC COVID travel insurance - Know more
