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.
While traveling abroad, if you experience a medical emergency (a covered illness, injury or other medical condition) that is very serious, life-threatening or likely to get amputation, and the local hospital can not provide necessary medical treatment, Atlas Travel Medical Insurance has Emergency Medical Evacuation benefit that organizes air or ground transportation to transfer you to the nearest qualified hospital as soon as possible, so that you can get necessary medical treatment to prevent the loss of your life or limb. Atlas insurance pays for eligible expenses up to the amount indicated in the Schedule of Benefits and Limits.
source: Atlas Travel Description of Coverage
When in need of urgent medical assistance, immediately contact Tokio Marine HCC-MIS Group Travel Assistance Services.
The patient’s attending doctor needs to make a requirement to the insurance company, indicating that an emergency evacuation is medically necessary for the patient, otherwise it would result in the loss of patient’s life or limbs. The evacuation must be agreed by you or your relative.
Emergency medical evacuation must be approved and coordinated by Tokio-Marine HCC-MIS Group. The insurance company will determine the closest qualified hospital where you can get the treatment you need, arrange for appropriate air and/or ground transportation and medical escort if necessary, and pay for eligible expenses.
If you are visiting the U.S., the attending physician and the insurance company’s medical consultant agree that transfer to your home country is more appropriate than transfer to the nearest qualified hospital, then the insurance company will pay for expenses to return you to your home country.
Following a covered Emergency Medical Evacuation, if the attending physician states that it is medically necessary for you to return to your home country or to the area from which you were initially evacuated for continued treatment and recovery, Atlas Travel Medical Insurance has Trip Interruption benefit that pays for the cost of your air or ground transportation ticket.
If you have a covered Emergency Medical Evacuation, Atlas insurance has Emergency Reunion benefit that pays for the cost of a transportation ticket for one relative of yours to be with you, as well as reasonable expenses for lodging and meals for the relative.
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 ClientZone, email to firstname.lastname@example.org , or mail to:
Tokio Marine HCC – MIS Group
Box No. 2005
Farmington Hills, MI 48333-2005