chat-icon
guy-with-laptop

Atlas Essential Insurance

For budget-conscious travelers, an Atlas Essential travel insurance policy provides coverage for the basic necessities as you travel away from your home country.

Perfect for:

  • Travelers on a budget
  • Travelers buying for several people
  • Healthy individuals with low concerns
  • Individuals traveling on a J-1 Visa

Why do I need travel medical insurance?

International travel can represent financial risk. The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. A travel medical insurance plan can be the difference between a trip ruined by unexpected illness or injury, versus a trip with access to quality care and financial help if the unexpected strikes. Compare all Atlas Travel medical insurance plans.

Atlas Essential Insurance: Plan Benefits

Benefits1 Details
Deductibles $0, $100, $250, $500, $1,000 or $2,500 per certificate period
Maximum Coverage per Injury or Illness

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

Age 80 or older: $10,000

All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000

Maximum Coverage per Certificate Period

(Excludes Emergency Medical Evacuation)

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

Age 80 or older: $10,000

All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000

Coinsurance – Claims Incurred in U.S. or Canada 75% of eligible expenses after the deductible to the maximum coverage limit
Coinsurance – Claims Incurred Outside U.S. or Canada 75% of eligible expenses after the deductible to the maximum coverage limit
Hospital Room and Board Average semi-private room rate, including nursing services
Local Ambulance Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient
Intensive Care Unit Usual, reasonable and customary charges
Physical Therapy No coverage
Terrorism $50,000 maximum lifetime limit, eligible medical expenses only
Benefits2 Details
Emergency Medical Evacuation $500,000 lifetime maximum
Repatriation of Remains $25,000 lifetime maximum
Local Burial or Cremation $5,000 lifetime maximum
All Other Eligible Medical Expenses Usual, reasonable, and customary charges
1Eligible expenses subject to deductible or coinsurance
2Eligible expenses NOT subject to deductible or coinsurance

Certain types of medical expenses are excluded from coverage under Atlas Essential. Some exclusions are listed here. Refer the Description of Coverage for the complete list of exclusions.

  • Pre-existing conditions—charges resulting directly or indirectly from any pre-existing condition, as herein defined, are excluded from this insurance unless it is a sudden and unexpected outbreak or recurrence that is of short duration and requires urgent care. Under Atlas Travel, no coverage is available for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of coverage.
  • Routine medical examinations
  • Routine pre-natal care, pregnancy, child birth, and post-natal care
  • Medical expenses for injury or illness resulting from participation in extreme sports (see Description of Coverage for full list of excluded sports)

Atlas Travel does offer medical expense coverage in your home country in the following situations:

  • Benefit Period –Atlas Travel will cover eligible medical expenses in the member’s home country for 90 days after the beginning of treatment so long as the related illness or injury began while the certificate was still in effect and treatment began while the member was outside their home country.
Incidental Home Country Coverage – For U.S. citizens, medical expenses are only covered during incidental trips home totaling no more than 15 days per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit. Medical expenses for non-U.S. citizens will be covered up to a maximum of 30 days for any three-month period. Medical expenses incurred in your home country will not be covered if your purpose for returning to your home country is to obtain treatment of an illness or injury that began while traveling.

For non-U.S. citizens or residents whose travel does not include the U.S. or U.S. territories, the maximum coverage duration is 365 days. Additionally, coverage may be renewed up to 2 additional coverage periods. Coverage renewal requires satisfaction of a new deductible and coinsurance. Renewals may be filed through the Client Zone.

For all other travelers, the maximum duration is 364 days, and coverage is not renewable.
You may submit a written cancellation request to HCCMIS prior to the effective date of coverage for a full refund. If HCCMIS receives the cancellation request following the effective date of coverage, only the unused portion of premium will be refunded. A $25 cancellation fee will apply.
No. Atlas Travel coverage is purchased for a duration you specify and applies to a single trip only. For coverage that applies to multiple trips, our Atlas MultiTrip™ product may work for you.
Yes. Certain travel restrictions declared by the U.S. State Department, the Centers for Disease Control and Prevention (CDC), and certain OFAC sanctions, affect Atlas Travel coverage.
Anyone who is at least 14 days old and traveling internationally is eligible for coverage. . Policies must cover a minimum of five days; however, travel is not required for all five days. Applicants under age 70 may select an overall maximum limit ranging from $50,000 to $1,000,000. The overall maximum limit for members age 70 - 79 is $100,000, and the overall maximum limit for members over age 80 is $10,000 ($20,000 under Atlas Premium).

Your Atlas Travel insurance coverage becomes effective on the latest of:

  • the moment we receive your application and correct premium (if application and payment is made online or by fax)
  • 12:01am on the date we receive your application and payment (if application and payment are made by mail)
  • the moment you depart from your home country
  • 12:01am on the date you request on your application

Your coverage will end on the earliest of:

  • 11:59pm on the last day of the period for which you have paid a premium,
  • 11:59pm on the date requested on your application,
  • the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)
Yes. StudentSecure is extendable up to 364 days and renewable for 3 additional coverage periods as long as you continue to meet eligibility requirements. Extension does not require satisfaction of a new deductible or coinsurance. Renewal does require satisfaction of a new deductible and coinsurance. Any breaks in coverage will require the purchase of a new plan.
No. StudentSecure plans do not provide coverage for a spouse and/or any dependents.
Yes. All StudentSecure plans meet current J-1 visa requirements.

Your StudentSecure insurance coverage becomes effective on the latest of:

  • the moment we receive your application and correct premium (if application and payment is made online or by fax)
  • 12:01am on the date we receive your application and payment (if application and payment are made by mail)
  • 12:01am on the date you request on your application

Your coverage will end on the earliest of:

  • 11:59pm on the last day of the period for which you have paid a premium
  • 11:59pm on the date requested on your application
  • 12:01am on the date you no longer meet eligibility requirements
The moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)
Charges resulting directly or indirectly from any pre-existing condition are excluded from StudentSecure Elite and Select during the first 6 months of coverage, and the first 12 months of Budget coverage. StudentSecure Smart plans provide coverage only for the acute onset of a pre-existing condition. See the description of coverage for more details.

If conception occurs after the effective date of coverage, StudentSecure Elite, Select, and Budget plans provide maternity benefits including, but not limited to:

  • Pre-natal care
  • Delivery
  • Post-natal care
Routine nursery care of newborns is also covered, subject to the maximum shown in the schedule of benefits and limits. StudentSecure Smart does not provide any maternity or newborn coverage. For complete details, see the benefits table or description of coverage.
Medical expenses are only covered during incidental trips home totaling no more than 15 days per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit. Medical expenses incurred in your home country will not be covered if your purpose for returning to your home country is to obtain treatment of an illness or injury that began while traveling.
You may submit a written cancellation request to HCCMIS prior to the effective date of coverage for a full refund. A cancellation fee of $25 may apply. If HCCMIS receives the cancellation request less than 60 days following the effective date, only the unused portion of premium will be refunded. No refund is given after 60 days.
Yes. StudentSecure coverage is purchased for a specific duration and applies to eligible countries traveled to during that time period that are outside of your home country. Policy periods typically span a semester, a school year, or a calendar year. Plans can be renewed using your Student Zone login (https://zone.hccmis.com/studentzone) if an additional coverage period is needed.
Following the initial purchase, Atlas Travel coverage may be extended up to 364 days past the original effective date of coverage. Extension does not require satisfaction of a new deductible or coinsurance. File all extensions through the HCCMIS Client Zone with payment by credit card.
Yes.  You may purchase Atlas Travel coverage for your spouse and any number of additional dependents.
HCC Medical Insurance Services (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insur­ance needs of consumers worldwide. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), a leading international specialty insurance group with offices across the United States and in the United Kingdom, Spain and Ireland. HCC specializes in diversified financial products; group life, accident and health; aviation; London market account; and other specialty lines of business. HCC's major domestic and international insurance companies have a financial strength rating of "AA (Very Strong)" from Standard & Poor's Corporation. HCC's major domestic insurance companies have a financial strength rating of "AA (Very Strong)" from Fitch Ratings, "A1 (Good Security)" from Moody's Investors Service, Inc., and "A+ (Superior)" by A.M. Best Company, Inc. HCC trades on the New York Stock Exchange under the symbol “HCC.” With assets of $10.3 billion and shareholders' equity of $3.6 billion on December 31, 2013, HCC is well capitalized and well positioned to continue its success.

HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd

Our international insurance plans are insured by Syndicate 4141 or 308 at Lloyd's, London. Lloyd's is the largest and oldest insurance market in the world and is rated “A (Excellent)” by A.M. Best Company and “A+ (Strong)” by Standard & Poor's. Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd's is recognized as a market leader in the accident and health insurance arena and is well known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.

To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel Insurance Coverage page.

After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. If you are covered under Atlas International, after 364 days of continuous coverage you may renew your coverage for up to two additional coverage periods. Deductible and Coinsurance must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions.

Extensions or renewals must be made online in the Client Zone with payment by credit card.

If your group members are at least 14 days old and traveling internationally for at least 5 days, they are eligible for coverage. If they are under age 70, you may select the Overall Maximum Limit, ranging from $50,000 to $1,000,000. The Overall Maximum Limit for members age 70 to 79 is $50,000. Atlas Group International insurance offers coverage for applicants over 80 with a $10,000 policy maximum. The same Overall Maximum Limit must be purchased for every member of your group under the age of 70. The same Deductible must be purchased for every member of your group.
Yes. Atlas International and Atlas America will provide foreign visitors with limited Home Country Coverage. However, there are two types of coverage in the home country, all of which are restricted to medical expenses only:

Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Atlas Group Travel will pay Eligible Medical Expenses that are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses related to the Injury or Illness that began while the Certificate was in effect.

Incidental Home Country Coverage – For each three (3) months during which a Member is covered under the Atlas Group Travel plan, Medical Expenses only are covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

To see an overview of the medical expenses covered under an Atlas Group Travel plan, please take a look at our Atlas Group Travel Insurance Coverage page.
The Atlas Group Travel Insurance plan requires Pre-certification for: Hospitalizations, Surgeries, Emergency and Political Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI). Simply call, or have your Physician call, HCCMIS with the information relative to your claim. You may also pre-certify by submitting details through Client Zone. Be sure to have your ID number available. If you do not Pre-certify, medical expenses will be reduced by 50% and all other expenses will be forfeited.

To contact HCCMIS regarding Pre-certifications, you may choose one of the following methods:

  • Log into Client Zone (members) or access the HCCMIS provider page (providers)
  • Call us at (800) 605-2282 or (317) 262-2132 (collect calls accepted)
In order to be eligible for either of our StudentSecure® international student health plans, you must meet the following requirements:
  1. Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a student under age 19 enrolled in a secondary school; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the U.S. holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
  2. Must be residing outside Home Country for the purpose of pursuing international educational activities.
  3. Must not have obtained residency status in the Host Country.
  4. Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested. For U.S. citizens and residents, the Host Country must be outside the U.S., including U.S. territories.
Which plan you choose depends on several factors. We suggest you review the StudentSecure® Schedule of Benefits Chart to see which of our international student travel health insurance plan meets your needs.
To see all the benefits provided with a StudentSecure® international student health insurance plan, please visit our StudentSecure® Insurance Coverage page.
Organized sports activities are part of the benefits you receive with a StudentSecure plan. Medical expenses for Injuries or Illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure Budget plan up to a maximum of $3,000 per Injury or Illness and up to a maximum of $5,000 per Injury or Illness for StudentSecure Elite or StudentSecure Select. Covered organized sports are: basketball, baseball, cross country, dance team, football, golf, kickball, soccer, softball, swimming, tennis, track, volleyball, weight training, and wrestling. No sports coverage is provided under StudentSecure Smart.
StudentSecure® provides benefits for Mental Health Disorders. Outpatient treatment is covered to a maximum of $50 per day, with a $500 Lifetime Maximum. Usual, Reasonable, and Customary expenses are covered for Inpatient treatment to a $10,000 Lifetime Maximum. Treatment for Mental Health Disorders is covered only if not obtained from a Student Health Center.
The following Emergency Dental expenses are covered with the StudentSecure international student medical insurance plan: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in a covered Accident, subject to a maximum of $250 per tooth and $500 Certificate Period Maximum; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per Certificate Period. No dental treatment is provided under StudentSecure Smart.
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS, StudentSecure® will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.
StudentSecure® will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:
  1. Following a covered Emergency Medical Evacuation; or
  2. You are hospitalized due to a life-threatening Injury or Illness for more than five days.

HCCMIS must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an Emergency Medical Evacuation will be paid only following the end of the Inpatient hospitalization.

You can reach our Customer Service team by calling them directly at (800) 605-2282 or (317) 262-2132 (collect calls accepted). Representatives will also answer emails sent to service@hccmis.com or via Live Chat.

StudentSecure® Elite, StudentSecure Select, and StudentSecure Budget provide Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 Lifetime Maximum, provided all of the following conditions are met:
  1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
  2. You have no direct or indirect involvement in the Act of Terrorism.
  3. The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival.
  4. You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

* StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.

In the event of your Accidental Death or Dismemberment resulting from a covered Injury, StudentSecure Elite and StudentSecure Select will provide the following benefit:
  • Accidental Death - Principal Sum to the Beneficiary designated on your Application
  • Loss of Sight in both eyes or loss of two or more Limbs - Principal Sum to you
  • Loss of Sight in one eye or loss of one Limb - One-half of the Principal Sum to you

Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle. The Accidental Death and Dismemberment benefit is not available for losses resulting from an Act of Terrorism.

* Neither StudentSecure Budget nor StudentSecure Select provides an Accidental Death benefit.

In the event of a covered Injury or Illness resulting in your death, StudentSecure® will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
StudentSecure® offers limited Home Country coverage. Medical expenses only can be covered during incidental visits of up to 15 days cumulative per Certificate Period. The member must return abroad, either to the Host Country or another country en route to the Host Country, following any incidental visit days in order to be eligible for this benefit. Return to the Home Country must not be taken for the purpose of obtaining treatment for an Injury or Illness that began outside of the Home Country.
If you are hospitalized as inpatient on your coverage termination date, StudentSecure® will provide a benefit period of 60 days for the condition(s) you were hospitalized for only. The benefit period begins on the first date that you receive diagnosis or treatment for that condition and continues for 60 days, regardless of whether you are abroad or return to your home country.
The StudentSecure® policy requires Pre-certification for: Hospitalizations, Surgeries, Pregnancies, Emergency Medical Evacuations, Emergency Reunions, Repatriation of Remains, Computerized Tomography (CAT Scan), and Magnetic Resonance Imaging (MRI). To have a procedure Pre-certified, either the member or their physician must call HCCMIS with information relative to the claim. Pre-certification can also be done by submitting details through Student Zone. The member ID number will be needed. If a procedure is not Pre-certified, medical expenses will be reduced by 50% and all other expenses will be forfeited. To contact HCCMIS regarding cancelling your StudentSecure policy, you may choose one of the following methods:
  • Email us at orders@hccmis.com
  • Call us at (800) 605-2282 or (317) 262-2132 (collect calls accepted)
Renewal may be completed within the last 6 months of a 12-month Certificate Period. Deductible and Coinsurance must be re-satisfied as of each renewal date. Extensions and renewals must be made online with payment by credit card. You can access the StudentSecure® Renewal Indication Form in Student Zone then return via email at orders@hccmis.com.

Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:

  1. Go to the HCC Client Zone at: https://zone.hccmis.com/clientzone/
  2. To login, you will need to enter your Certificate/ID number (ID #) and your password.  If you don’t know your password, click the “forgot password” button and enter your Certificate ID (ID #) and your date of birth.  Click “Login.”
  3. Click “Extend Coverage.”
  4. Enter the extension of coverage date. Click “Recalculate.” Click “Proceed to Payment Page.”
  5. Enter payment information.  Click “Extend My Coverage.”
  6. The email you enter in the payment information will receive coverage confirmation. 
  • ATop

  • Acts of Terrorism — an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
  • Acute Onset of Pain (Emergency Dental) — a sudden and unexpected occurrence of pain which occurs spontaneously and without advance warning, either in the form of physician or dentist recommendation or symptoms, including pain, which would have caused a prudent person to seek medical or dental attention prior to onset of pain. Treatment must be obtained within 24 hours of the sudden and unexpected occurrence of pain.
  • BTop

  • No terms found
  • CTop

  • No terms found
  • DTop

  • Displaced — required to depart a destination due to an evacuation ordered by prevailing authorities.
  • ETop

  • Emergency Medical Evacuation — if recommended by your attending physician, who certifies that: evacuation is necessary to safeguard your life or limb, medically necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS. If all circumstances are met, and the illness or injury is covered, certain plans will provide the following benefits: emergency air and/or ground transportation to the nearest hospital that is qualified to provide the medically necessary treatment.
  • Emergency Reunion — an emergency reunion is the transportation of one relative (parent, spouse, sibling, or child aged 18 or older) to the hospital where a member is receiving inpatient care in the event of a covered emergency medical evacuation.
  • Express Kidnapping — the actual or attempted abduction and holding of the member against his or her will, where personal belongings and/or readily available assets of the member are surrendered by the member in exchange for his or her release.
  • FTop

  • No terms found
  • GTop

  • Guaranteed Issue — a type of insurance policy that is not medically underwritten.
  • HTop

  • Home Country — if you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is the country where you principally reside and receive regular mail.
  • ITop

  • Insured Losses — covered losses and expenses consisting of the following: ransom, personal belongings, and/or crisis response fees and expenses.
  • JTop

  • No terms found
  • KTop

  • Kidnapping — the actual, alleged, or attempted abduction and holding of the member against his or her will by a person or persons who demand a ransom specifically form the assets of the member in exchange for the member’s release.
  • LTop

  • Lost Checked Luggage — lost checked luggage is a benefit that provides money for the replacement of clothes and personal hygiene items in the event your checked luggage is permanently lost by the transportation provider.
  • Lost Luggage Assistance — tracking service to assist in locating luggage or other items lost in transit.
  • MTop

  • No terms found
  • NTop

  • Natural Disaster — any event of force of nature caused by environmental factors that has catastrophic consequences. For the purpose of this insurance, natural disasters include: avalanche, earthquake, flood, hurricane, impact event, landslides, mudslides, tornado, tsunami, tropical cyclone, typhoon, volcanic eruption, and wildfire.
  • OTop

  • No terms found
  • PTop

  • Personal Belongings — monies and/or property of monetary value that are:
    • being carried or transported by the member when an express kidnapping or kidnapping first occurs; and
    • are surrendered during the course of an express kidnapping or kidnapping
  • Political Evacuation — political evacuation is a benefit offered under certain plans that assists in the coordination and associated costs of transportation to a safe country after a U.S. Government travel warning has been issued after arrival to the destination country.
  • Pre-Destination Information — up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country.
  • QTop

  • No terms found
  • RTop

  • Return of Minor Children — return of minor children is the assistance and financial coverage of transporting covered minor children to the terminal serving the area of principal residence when the only person age 18 or older traveling with them has been hospitalized for treatment of a covered Illness or Injury resulting in the children being left unattended for a period of time expected to exceed 36 hours.
  • Repatriation of Remains — this is a benefit that covers expenses to return an insured’s remains (bodily or ashes) to their home country in the event of his or her death resulting from a covered Injury or Illness.
  • Ransom — monies and/or other consideration of monetary value that are surrendered or to be surrendered by, or on behalf of, the member to meet an express kidnapping or kidnapping demand.
  • STop

  • No terms found
  • TTop

  • Travel Document Replacement — assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents.
  • Travel Assistance Services — travel assistance services are complimentary services that focus on potential travel issues, which are available to every member that purchases an international insurance product from HCCMIS. See the travel assistance services list for more details.
  • UTop

  • No terms found
  • VTop

  • No terms found
  • WTop

  • No terms found
  • XTop

  • No terms found
  • YTop

  • No terms found
  • ZTop

  • No terms found

1000-AT-627-8971-6

Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.