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 much medical expenses does Atlas Travel Medical Insurance cover?

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.


When you buy Atlas Travel Medical Insurance, you can customize your plan by setting a maximum limit and deductible amount. Eligible medical expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.


Overall Maximum Limit means the maximum amount of eligible expenses that Atlas Travel medical Insurance pays for all covered medical and travel benefits. You may select an overall Maximum limit from $50,000 to $2 million U.S. dollars. Emergency Medical Evacuation benefit is up to $1 million U.S. dollars and not subject to overall maximum limit.


Deductible means the dollar amount of eligible medical expenses that you must pay per certificate period before eligible expenses are paid by the insurance company. You may select a Deductible amount from $0 to $5,000.


Most eligible medical expenses are covered up to the overall maximum limit, except for some specifically indicated expenses, e.g. Emergency Dental  for acute onset of pain is up to $300 and is not subject to deductible, Emergency Eye Exam for a Covered Loss is up to $150 and $50 deductible per occurrence (plan deductible is waived). 



Atlas Travel Medical Insurance Schedule of Benefits and Limits

 

Travel Plan

Premium Plan

Overall Maximum Limit

Age 80 or older $10,000.

Age 70 to 79: $50,000, $100,000, or $150,000.

All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000

Age 80 or older $20,000.

Age 70 to 79: $50,000, $100,000, or $150,000.

All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000

Maximum per Injury / Illness

Age 80 or older $10,000.

Age 70 to 79: $50,000, $100,000, or $150,000.

All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Age 80 or older $20,000.

Age 70 to 79: $50,000, $100,000, or $150,000.

All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Deductibles

$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period

Coinsurance

Insurance will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Benefit

Travel Plan

Premium Plan

Hospital Room and Board

Average semi-private room rate, including nursing services

Intensive Care Unit

Up to the overall maximum limit

Local Ambulance

Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.

Emergency Room Co-payment

Claims incurred in U.S.

You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.

Claims incurred outside the U.S.

No co-payment

Urgent Care Center Co-payment

Claims incurred in U.S.

For each visit, you shall be responsible for a $15 co-payment. – Co-payment is waived for members with a $0 deductible.
– not subject to deductible

Claims incurred outside the U.S.

No co-payment

Outpatient Physical Therapy and Chiropractic Care

Up to $50 maximum per day. Must be ordered in advance by a physician.

Emergency Dental (Acute Onset of Pain)

Up to $300 - not subject to deductible

Emergency Eye Exam for a Covered Loss

Up to $150. $50 deductible per occurrence (plan deductible is waived).

Acute Onset of Pre-existing Condition

(excludes chronic and congenital conditions) (only available to members under age 80)

Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower

Under age 70: Up to the overall maximum limit

Up to $25,000 lifetime maximum for Emergency Medical Evacuation

Terrorism

Up to $50,000 lifetime maximum, eligible medical expenses only

All Other Eligible Medical Expenses

Up to the overall maximum limit

Emergency Medical Evacuation

Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition

- not subject to deductible or overall maximum limit

source: Atlas Travel Description of Coverage



Atlas Travel Medical Insurance has comprehensive medical benefits that pays eligible medical expenses if you experience an unexpected illness or injury while traveling abroad.  Atlas insurance provides worldwide coverage. In the event of a medical emergency, you are free to go to doctors, hospitals, or other health care providers of your choice. 


If you need to get medical treatment while visiting the U.S., you have access to nationwide Preferred Provider Organization (PPO) networks of doctors and hospitals in all 50 states. More about How to Use Atlas Trave Medical Insurance If You Need Medical Care While Visiting the United States?  


Tokio Marine HCC- MIS Group works with EQUIAN International Provider Network to maintain relationships with hospitals and doctors throughout the world. You may visit EQUIAN International Provider Network to locate a healthcare provider in your country. More about How to use Atlas Travel Medical Insurance If You Need Medical Care While Traveling Abroad?


You have access to Tokio Marine HCC–MIS Group’s travel and medical assistance services such as health provider referrals, medical monitoring, prescription drug replacement, translation and interpretation assistance, and more.