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.  

How to use Atlas Travel Medical Insurance  for Medical Care While Traveling Abroad? 

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.


Atlas Travel Medical Insurance provides worldwide coverage to international travelers. If you become ill or are injured while traveling outside of your home country, you are free to go to the health care providers of your choice to get medical treatment. 


Depending on which country you visit and your choice of medical providers, your doctor or hospital may send your medical bills directly to Tokio Marine HCC-MIS Group for payment, or you may have to pay for medical treatment up front and get reimbursed from the insurance company.


Where can I get medical care?

Tokio Marine HCC- MIS Group works with EQUIAN International Provider Network to maintain relationships with hospitals and doctors throughout the world. You may visit International Provider Network Online Directory to locate a healthcare provider in your country. You are free to choose health care providers inside or outside the International Provider Network.


Once you choose a medical provider, you may schedule an appointment or go directly to the health facility if it’s an emergency. You are not required to obtain a pre-approval from the insurance company before you visit a hospital or doctor. There's no need to get referrals to see a medical specialist. 


You can present your insurance ID card to your medical provider , and tell them that your insurance plan is with Tokio-Marine HCC-MIS Group. Your health care provider can contact  HCC-MIS Customer Service to confirm your insurance coverage and the billing process, or to define the benefits of your insurance policy. 


If you need medical care while traveling in the United States, you have access to the insurance company’s U.S. healthcare providers networks. More about how to pay health care providers in the United States.

How to pay for medical expenses?

Some of the medical providers may agree to bill HCC-MIS directly for medical expenses incurred by you. If you would like to have the providers send your medical bills directly to HCC–MIS Group, it is advised that you call HCC-MIS prior to seeking treatment or as soon as possible in case of emergency. A HCC-MIS representative will coordinate your healthcare services and work with the healthcare provider to make direct billing arrangement. 


If your medical providers agree to direct bill HCC-MIS, they can file a claim and submit the original itemized bills to HCC-MIS to document what medical services are provided to you and the cost for each service. HCC-MIS will pay eligible expenses directly to your health care provider(s). You may have to meet your deductible before your insurance plan begins to pay the cost of your medical bills.  


Other medical providers may require you to pay for medical treatment at the time of service. You can file a claim to HCC-MIS to request reimbursement for eligible medical expenses you have paid. You should collect all medical provider names, addresses, receipts, invoices and medical records. Each of your medical providers should provide you the original itemized bills that document what medical services are provided to you and the cost for each service. The insurance company will request these documents as proof of claim. 


Atlas Travel Medical Insurance pays 100% of eligible expenses up to the overall maximum limit. You may have to meet your deductible before your insurance plan begins to pay the cost of your medical bills.

How to file a claim?

After your medical treatment, you need to submit a completed Claimant’s Statement and Authorization Form , your proof of claim including the original itemized bills from your medical providers, original receipts for any expenses paid by you, your medical records, along with other requested documents to Tokio Marine HCC-MIS Group. 


Your Claimant’s Statement and Authorization provides HCC-MIS with information to evaluate your claim, also allows HCC-MIS to request medical records from your medical provider(s). Be sure to keep a copy of all submitted documents for your records. 


More about How to Complete and Submit a Claimant's Statement and Authorization Form?


The claims examiner at HCC-MIS will review your medical records and expenses to determine whether to pay or deny the claim(s). The claims examiner may request more information from you or your medical provider(s). HCC–MIS will complete the claims process once they have all the necessary information. 


If the claim is deemed eligible, the insurance company will pay will pay billed charges of eligible medical expenses directly to your healthcare provider(s), or reimburse you for eligible  expenses that you have paid. If there are any medical expenses that are not covered by your insurance plan, you need to pay the costs by yourself. 


You will receive an Explanation Of Benefit letter from HCC-MIS that tells you if your claim is paid or denied. During the claim process, you may visit Client Zone to check your claim status. 


Find out more about the claims process at  Tokio Marine HCC-MIS Group Claims Resource Center.