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Novel Coronavirus: Am I Still Covered for My Trip to China?

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Novel Coronavirus: Am I Still Covered for My Trip to China?


On January 27, 2020, the Centers for Disease Control and Prevention (CDC) issued the following travel warning for China:

Warning Level 3 – Avoid Nonessential Travel

 

All travelers should avoid nonessential travel to China at this time. 

This travel warning is the result of a current outbreak of respiratory illness caused by a new coronavirus known as 2019 Novel Coronavirus (2019-nCoV).

Symptoms of the virus appear 2-14 days after exposure. These symptoms range drastically from mild flu-like symptoms to severe illness and death. The most common symptoms include:

  • Cough
  • Fever
  • Shortness of breath

Like the flu, coronavirus poses a higher risk to senior citizens and people with existing health issues. These individuals may be at increased risk of developing a more severe disease.

If you have spent any time in China within the past two weeks and you experience these symptoms, consult with your doctor immediately.

What You Can Do to Protect Yourself


Avoid all nonessential travel to China while the CDC’s level 3 travel warning is in effect.

(Note: Atlas and StudentSecure policies both have exclusions related to a CDC level 3 travel warning. Learn more below and read the Description of Coverage for your plan to see full benefits limits, conditions, and exclusions.)

If you must travel to China during a level 3 travel warning, follow these recommendations from the CDC:

  • Consult with your healthcare provider before traveling to China.
  • Avoid physical contact with anyone who is ill.
  • Wash your hands often. Use an alcohol-based hand sanitizer if you do not have access to soap and water.
  • Avoid animals, animal markets, and products that come from animals, including uncooked meat.

If you come into contact with someone who has been diagnosed with 2019-nCoV, follow these steps from the CDC.


How the Travel Warning Affects Your Travel Health Coverage

Review the full Description of Coverage for your travel health insurance plan to determine how your coverage works in the wake of a disease outbreak in your destination country. Carefully review the policy’s general exclusions and pay special attention to your benefit limits, conditions, and exclusions.

If you have any questions about your coverage, contact your insurance provider directly.

For Atlas and StudentSecure Policyholders

All travel health plans in the Atlas Series and all international student health plans in the StudentSecure Series from Tokio Marine HCC – MIS Group contain the following exclusion:

Charges resulting from a disease outbreak in a country or location where the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 travel warning are excluded if:

 

  1. the warning has been in effect within the 6 months immediately prior to your date of arrival, or

  2. you fail to depart the country or location within 10 days following the date the warning is issued

You will find this information in the “General Exclusions” section of the Description of Coverage for your plan.

Choose your plan from the list below to view your Description of Coverage:

What This Exclusion Means for Atlas and StudentSecure Policyholders

The CDC issued a “Level 3 – Avoid Nonessential Travel” warning for Wuhan, China on January 23, 2020.

The CDC expanded this "Level 3 - Avoid Nonessential Travel" warning to apply to all of China on January 27, 2020.

  • If you are currently traveling in China and you do not depart the warned-against location within 10 days of the date the warning was issued: Your Atlas or StudentSecure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
  • If you plan to travel to China against CDC advice while a level 3 travel warning is still in effect: Your Atlas or StudentSecure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
  • If you plan to travel to China after the level 3 travel warning is cancelled or downgraded: Your Atlas or StudentSecure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China until 6 months after the date the level 3 travel warning was cancelled or downgraded.

The U.S. Department of State issued a “Level 3: Reconsider Travel” advisory for China on January 27, 2020. This advisory was upgraded to a “Level 4: Do Not Travel” advisory for China on January 30, 2020.

This travel advisory affects coverage provided under the following benefits:

  • Terrorism benefit (Applicable to all Atlas plans and StudentSecure Elite, Select, and Budget plans)
  • Political Evacuation benefit (Applicable to all Atlas plans)

Review the Description of Coverage for your plan to learn more about these benefits and their conditions and exclusions. 

Note that you are still covered for eligible expenses incurred in China while the travel warning is in effect if the expenses do not result from a disease outbreak, terrorist act, political unrest, or other policy exclusions.

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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. 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 HCC Underwriting Agency Ltd.