Atlas MultiTrip Insurance administered by Tokio Marine HCC Medical Insurance (formerly HCC Medical Insurance Services) is the obvious choice for corporate executives and other professionals who require travel medical insurance coverage for numerous international trips annually.
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 Multitrip underwriter
Underwritten by Lloyd's London
Atlas Multitrip insurance eligibility
If you are under age 66 and you maintain medical insurance that covers you while you are in your Home Country, you are eligible for Atlas MultiTrip.
Your Spouse under age 66 and dependent children who are at least 14 days up through age 18 may also be covered, provided they too maintain medical insurance that covers them while they are in their Home Country.
Tokio Marine HCC(HCCMIS) Atlas Multitrip travel insurance summary
Atlas Multitrip insurance coinsurance?
Claims incurred inside U.S.: For each trip, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.
Claims incurred outside U.S.: For each trip, Underwriters 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
Repatriation of RemainsOverall maximum limit (not subject to deductible or coinsurance).
Baggage Loss$500 limit per certificate period (not subject to deductible or coinsurance)
Acute Onset of Pre-existing Condition (only available to members younger than 70)Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions) $25,000 lifetime maximum for emergency medical evacuation.
Personal LiabilityUp to $25,000 lifetime maximum Up to $25,000 third person injury Up to $25,000 third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit).
Sports CoverageCertain extreme or adventure sports activities is included.
Hospital Room and BoardAverage semi-private room rate, including nursing services.
Local AmbulanceUsual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
Intensive Care UnitUp to the overall maximum limit.
Emergency room co-paymentClaims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S. - No co-payment.
Urgent care center co-paymentClaims incurred in the U.S. - Up to $25 co-payment. (co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S. - No co-payment.
Return of Minor ChildrenUp to $50,000 -not subject to deductible or coinsurance
Pet ReturnUp to $1,000 - 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 $25,000 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.
Common carrier accidental deathUp to $50,000 for ages 18 through 69 Up to $10,000 under age 18 Up to $25,000 for ages 70 through 74 Up to $12,500 for ages 75 and older Maximum of $250,000 for any one family or group.
Natural disasterUp to $250 a day for 5 days (not subject to deductible or coinsurance).
Travel DelayUp to $100 a day after a 12-hour delay period, maximum of 2 days.
Trip interruptionUp to $10,000 (not subject to deductible or coinsurance).
Political evacuationUp to $100,000 lifetime maximum (not subject to deductible or coinsurance).
Bedside visitUp to $1,500 (not subject to deductible or coinsurance).
Local Burial or CremationUp to $5,000 lifetime maximum (not subject to deductible or coinsurance).
Crisis Response- Ransom, Personal Belongings, and Crisis Response Fees and ExpensesUp to $10,000( not subject to deductible or overall maximum limit).
Optional Crisis Response Rider with Natural Disaster EvacuationUp to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation( not subject to deductible or overall maximum limit).
Emergency ReunionUp to $100,000, subject to a maximum of 15 days(not subject to deductible).
Lost Checked LuggageUp to $1,000( not subject to deductible).
Lost or Stolen Passport/Travel VisaUp to $100( not subject to deductible).
Border Entry ProtectionUp to $500 if traveling on a valid B -2 visa and denied entrance at the U.S. border( not subject to deductible).
Atlas Mutlitrip 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