U.S. government: Coronavirus (COVID-19) information

CDC: Coronavirus (COVID-19) Travel Advice

Tokio Marine HCC-MIS: How Coronavirus Affects Your Coverage

If You Purchased Your Atlas Policy on Or After July 15, 2020 : Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.  

Atlas Travel Medical Insurance Accident Death and Dismemberment Coverage

Atlas Travel Medical Insurance is an insurance policy designed for international travelers from around the world. Atlas travel insurance includes comprehensive medical, emergency evacuation and essential travel benefits that provide financial protection to international travelers against different kinds of risks you can encounter while traveling outside of your home country.


If you are unfortunately injured or lose your life in a covered accident during your travel, Atlas Travel Medical Insurance provides Accidental Death and Dismemberment (AD&D) benefit that pays a lump sum payment  to you or your beneficiary, up to the amount indicated in the Schedule of Benefits. 



Travel Plan

Premium Plan

Ages 18 through 69

Lifetime Maximum - $25,000


Death - $25,000

Loss of 2 Limbs - $25,000 

Loss of 1 Limb - $12,500 


Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69) 

Lifetime Maximum - $25,000 

Death - $25,000 

Loss of 2 Limbs - $25,000

Loss of 1 Limb - $12,500

- not subject to deductible or overall maximum limit 


Lifetime Maximum - $100,000 


Death - $100,000 


Loss of 2 Limbs - $100,000 


Loss of 1 Limb - $50,000 


Under age 18

Lifetime Maximum - $5,000


Death - $5,000

Loss of 2 Limbs - $5,000 

Loss of 1 Limb - $2,500 

Lifetime Maximum - $5,000 


Death - $5,000 


Loss of 2 Limbs - $5,000 


Loss of 1 Limb - $2,500 


Ages 70 through 74

Lifetime Maximum - $12,500 


Death - $12,500

Loss of 2 Limbs - $12,500 


Loss of 1 Limb - $6,250 

Lifetime Maximum - $12,500 


Death - $12,500 


Loss of 2 Limbs - $12,500 


Loss of 1 Limb - $6,250 


Ages 75 and older

Lifetime Maximum - $6,250


Death - $6,250

Loss of 2 Limbs - $6,250 

Loss of 1 Limb - $3,125 

Lifetime Maximum - $6,250 


Death - $6,250 


Loss of 2 Limbs - $6,250 


Loss of 1 Limb - $3,125 



$250,000 maximum benefit any one family or group. 


- not subject to deductible or overall maximum limit


source: Atlas Travel Description of Coverage



For accident death, the AD&D benefit will be paid to your beneficiary. You can name a beneficiary upon purchasing your insurance who would receive the benefit in the event of your death. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:

Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate. 

Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.


Tokio Marine HCC-MIS Group can organize Repatriation of Remains or Local Burial or Cremation and pay for the cost. 


If you are severely injured in an accident which causes dismemberment (loss of arm, leg or eye), the AD&D benefit will be paid to you. Atlas Travel Medical Insurance has medical benefits that pay  for eligible medical and dental expenses. If necessary, the insurance company can organize emergency medical evacuation to transport you to the nearest qualified hospital to get life-saving medical treatment.  


Accident means a sudden, unintentional and unexpected occurrence caused by external, visible means and resulting in physical injury to you. The cause or one of the causes of such accident is external to your own body and occurs beyond your control.


Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.


Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.


If the death or loss of limbs / eyes is caused by non-covered reasons, e.g. suicide, committing a felony, illness, terrorism or war and so on, then you or your beneficiary will not get AD & D payment.


If the accidental death is due to an accident occurred while riding as a fare paying passenger on a commercial airline or cruise line, Atlas travel insurance may pay Common Carrier Accidental Death benefit to your beneficiary. 



ACCIDENTAL DEATH AND DISMEMBERMENT 

YOU ARE COVERED

  1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary; or 
  2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits; or 
  3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits. 

YOU ARE NOT COVERED unless you fulfill the following conditions: 

  1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and 
  2. The accident giving rise to the accidental death must not be a common carrier accident; and 
  3. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease. 

YOU ARE NOT COVERED IF: 

1. Accidents or loss caused by or contributed to by any of the following: 

a. Terrorism, war or act of war, whether declared or undeclared; 

b. Your participation in a riot, insurrection or violent disorder; 

c. Your service in the armed forces of any country; 

d. Suicide or attempted suicide or self-inflicted injury, while sane or insane; 

e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician; 

f. Committing or attempting to commit a felony; 

g. Sickness, mental health disorder, or pregnancy; 

h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident
occurred, whether directly or indirectly; 

i. Myocardial infarction or cerebrovascular accident (CVA / Stroke); 

j. Infection, except infection through a wound caused solely by an accident; 

k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation; 

l. Medical or surgical treatment for any of the above; or 

m. Any non-covered sports activities. 

2. Expenses arise directly or indirectly from anything in the General Exclusions. 

In no event will our payment under this benefit total more than the principal sum. The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000. 


source: Atlas Travel Description of Coverage


If you need help with medical or travel emergencies while traveling abroad, you have access to Tokio Marine HCC-MIS Group World Service Center for Travel and Medical Assistance Services


You must file a claim for any expenses to be paid by HCC-MIS. Keep the original receipts for any expenses which have already been paid by you or on your behalf as proof of claim.  


You may send all claim related documents through ClientZoneemail to service@hccmis.com , or mail to:

Tokio Marine HCC – MIS Group

Box No. 2005

Farmington Hills, MI 48333-2005

U.S.A.