Atlas Group Insurance by Tokio Marine HCC Medical Insurance Services(HCCMIS), Plan Benefits for Atlas Group 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.

Application
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Benefits
Comprehensive
COMPREHENSIVE PLAN
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)
ID Card
Claims
Provider Network

Atlas Group Insurance

Insurance Provider

Insurance Provider
Tokio Marine HCC

Underwriter

Underwriter
Underwritten by Lloyds

Policy Maximum

Lifetime maximum limit
Age 80+: $10,000.
Age 70 to 79: $50,000, $100,000.
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000

Deductible Options

Deductible Options^?
$0, $100, $250, $500, $1,000 or $2,500

Rating

AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-

Tokio Marine HCC(HCCMIS) Atlas Group plan summary

eligibility

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.

Plan Benefits of Atlas Group Insurance

Benefits	Coverage
Benefit Period	90 days
Emergency medical evacuation	$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or coinsurance)
Coinsurance^?	We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Local ambulance	Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient
Accidental Death and Dismemberment (AD&D) (Excludes loss due to common carrier accident)	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 for any one family or group (not subject to deductible or overall maximum limit).
Trip interruption	Up to $10,000 – not subject to deductible
Lost checked luggage	Up to $500 – not subject to deductible
Repatriation of remains	Overall maximum limit (not subject to deductible or coinsurance)
Emergency dental (acute onset of pain)	$250 limit per certificate period (not subject to deductible or coinsurance)
Common Carrier Accidental Death	Members 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. Subject to a maximum of $250,000 any one family or group (not subject to deductible or overall maximum limit).
Bedside Visit	Up to $1,500. Not subject to deductible.
Pet Return	Up to $1,000. Not subject to deductible.
Political Evacuation	Up to $100,000 lifetime maximum. Not subject to deductible.
Natural Disaster – Replacement Accommodations	Up to $250 a day for 5 days. Not subject to deductible.
Terrorism	Up to $50,000 lifetime maximum, eligible medical expenses only.
Personal Liability	Up 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.

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