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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 Repatriation of Remains 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 in the unfortunate event the insured person dies due to a covered illness or injury, Atlas Travel Medical Insurance provides Repatriation of Remains benefit that pays for air or ground transportation to bring remains or ashes of the deceased insured person back to their home country, and reasonable costs of preparation of the remains necessary for transportation, up to the amount indicated in the Schedule of Benefits and Limits.
Tokio Marine HCC-MIS Group must approve the travel arrangements for repatriation in advance. You can call HCC-MIS Customer Service to make arrangements.
The repatriation process must be coordinated by the insurance company. HCC-MIS can help to work with local authorities on post-mortem exam (if necessary), remove and embalm the body, prepare coffin or container, obtain approval from government for transport, arrange air or ground transportation, etc.
If you want to bury or cremate the deceased insured person in the country of death instead of repatriation, see Local Burial or Cremation benefit. You can use either local burial / cremation benefit or repatriation of remains benefit, but not both.
REPATRIATION OF REMAINS
YOU ARE COVERED:
- Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest your principal residence; and
- Reasonable costs of preparation of the remains necessary for transportation.
YOU ARE NOT COVERED unless you fulfill the following conditions:
- The illness or injury giving rise to the expense are covered under this insurance; and
- Travel arrangements are approved in advance and coordinated by us.
YOU ARE NOT COVERED IF:
- Expenses arise directly or indirectly from anything in the General Exclusions.
We are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the repatriation process or otherwise.
The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.
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 service@hccmis.com , or mail to:
Tokio Marine HCC – MIS Group
Box No. 2005
Farmington Hills, MI 48333-2005
U.S.A.