Cigna Global Medical Plans to Cover You
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Benefits | Silver | Gold | Platinum |
Annual beneft – maximum per beneficiary per period of cover. This includes claims paid across all sections of International Medical Insurance. |
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Hospital charges for: Nursing and accomodation for inpatient and daypatient treatment and recovery room | Paid in full for semi-private room | Paid in full for a private room | Paid in full for a private room |
Hospital charges for:
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Paid in Full | Paid in Full | Paid in Full |
Intensive care
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Paid in Full | Paid in Full | Paid in Full |
Surgeons’ and anaesthetists’ fees Where surgery is provided on an inpatient, daypatient or outpatient basis. |
Paid in Full | Paid in Full | Paid in Full |
Specialists’ consultation fees Paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity. |
Paid in Full | Paid in Full | Paid in Full |
Hospital accommodation for a parent or guardian Up to the maximum amount shown per period of cover. If a beneficiary who is under the age of 18 years old needs inpatient treatment and has to stay in hospital overnight, we will also pay for hospital accommodation for a parent or legal guardian, if:
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Paid in Full |
Transplant services for organ, bone marrow and stem cell transplants We will pay for inpatient treatment directly associated with an organ transplant, for the beneficiary if:
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Paid in Full | Paid in Full | Paid in Full |
Kidney dialysis Where treatment is provided on an inpatient, daypatient or outpatient basis. |
Paid in Full | Paid in Full | Paid in Full |
Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) Where investigations are provided on an inpatient or daypatient basis. |
Paid in Full | Paid in Full | Paid in Full |
Advanced Medical Imaging (MRI, CT and PET scans) Up to the maximum amount shown per period of cover. We will pay for these scans whether received on an inpatient, daypatient or an outpatient basis. |
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Paid in Full |
Physiotherapy and complementary therapies Up to the maximum amount shown per period of cover. Where treatment is provided on an inpatient or daypatient basis. |
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Paid in Full |
Home nursing Up to 30 days and the maximum amount shown per period of cover. |
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Paid in Full |
Rehabilitation Up to 30 days and the maximum amount shown per period of cover. |
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Paid in Full |
Hospice and palliative care Up to the maximum amount shown per lifetime. |
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Paid in Full |
Internal prosthetic devices/surgical and medical appliances We will pay for:
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Paid in Full | Paid in Full | Paid in Full |
External prosthetic devices/surgical and medical appliances Up to the maximum amount shown per period of cover. We will pay for:
For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices. |
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Local ambulance and air ambulance services Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalisation. |
Paid in Full | Paid in Full | Paid in Full |
Inpatient cash benefit Per night up to 30 nights per period of cover. We will make a cash payment to the beneficiary when they:
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Emergency inpatient dental treatment Dental treatment in hospital after a serious accident. |
Paid in Full | Paid in Full | Paid in Full |
Mental health care Up to the maximum amount shown per period of cover Subject to the limits explained below we will pay for: • the treatment of mental health conditions and disorders; and • the diagnosis of addictions (including alcoholism); |
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Paid in Full |
Cancer care › Following a diagnosis of cancer, we will pay for costs for the treatment of cancer if the treatment is considered by us to be active treatment and evidence-based treatment. This includes chemotherapy, radiotherapy, oncology, diagnostic tests and drugs, whether the beneficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient. › We do not pay for genetic cancer screening. |
Paid in Full | Paid in Full | Paid in Full |
Routine maternity benefit care (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay for the following parent and baby care and treatment, on an inpatient or daypatient basis as appropriate, if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more: • hospital, obstetricians’ and midwives’ fees for routine childbirth; and • any fees as a result of post-natal care required by the mother immediately following routine childbirth. › We will not pay for surrogacy or any related treatment. We will not pay for maternity benefit care or treatment for a beneficiary acting as a surrogate or anyone acting as a surrogate for a beneficiary. |
Not covered |
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Complications from maternity (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay for inpatient or outpatient treatment relating to complications resulting from pregnancy or childbirth if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more. This is limited to conditions which can only arise as a direct result of pregnancy or childbirth, including miscarriage and ectopic pregnancy. |
Not covered |
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Homebirths (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay midwives’ and specialists’ fees relating to routine home births if the mother has been a beneficiary under this policy for a continuous period of 12months or more. › Please note that the Complications from maternity cover explained above does not include cover for home childbirth. This means that any costs relating to complications which arise in relation to home childbirth will only be paid in accordance with the home childbirth limits, as explained in the list of benefits. |
Not covered |
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Newborn care Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the policy for 12 months or more. › Provided the newborn is added to the policy, we will pay for: • up to 10 days routine care for the baby following birth; and • all treatment required for the baby during the first 90 days after birth instead of any other benefit; if at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth. |
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Congenital conditions Up to the maximum amount shown per period of cover. › We will pay for treatment of congenital conditions on an inpatient or daypatient basis which manifest themselves before the beneficiary’s 18th birthday if: • at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth and the newborn is added to the policy within 30 days of the birth. • they were not evident at policy inception. |
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Deductible (various) A deductible is the amount which you must pay before any claims are covered by your plan. |
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Cost share after deductible and out of pocket maximum Cost share is the percentage of each claim not covered by your plan.The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum. |
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Cigna Global Health Options helps you create a health insurance plan that’s perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of additional modules to build a plan which fits your needs.
• US Citizens living outside the USA cannot get an Atlas Plan to cover them when they are returning to the USA for a visit.
• If you are a US Citizen living outside the USA, click here to see the details on the Liaison Majestic Travel Health Insurance plan that will cover you when you are return to the USA for a visit. |
Are you calling your parents to visit you? If so, you’ll want to get them the Atlas America plan. |
Click here to get an Atlas plan quote
Acute Onset of a Pre-Existing Condition: Acute Onset of a Pre-Existing Condition: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. |
What is a Pre-Existing Condition? – A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. |
Atlas America – Only non-US Citizens who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.
Atlas International – Only US Citizens and non-US citizens whose travel does not include the US, except US citizens whose travel includes an Incidental Trip to the US, and who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.
The Atlas Travel Series also has an annual plan called the Atlas Professional if you need supplemental medical coverage while working in another country |
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, Underwriters will pay Eligible Medical Expenses, as defined herein, which are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses.
End of Trip Home Country Coverage – In the event a Member is covered hereunder and is outside his or her Home Country continuously for six (6) months or more, the Member may purchase an additional 30 days of End of Trip Home Country Coverage. Home Country Coverage applies only to Eligible Medical Expenses.
Incidental Home Country Coverage – For each three (3) months during which a Member is covered hereunder, 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.
A brief description is below. For complete coverage, terms, conditions and exclusions, click here to to view or download the HCCMIS Atlas Travel Series Description of Coverage.
Click here for Atlas’ secure online quote & order form
Deductibles | ![]() |
Coinsurance – Claims incurred in US or Canada | ![]() |
Coinsurance – Claims incurred outside US or Canada | ![]() Expenses after the Deductible up to the Overall Maximum Limit. |
Hospital Room and Board | ![]() |
Local Ambulance | ![]() |
Intensive Care Unit | ![]() |
Hospital Indemnity | ![]() |
Physical Therapy | ![]() |
All Other Eligible Medical Expenses | ![]() |
Acute Onset of Pre-existing Condition | ![]() $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70 |
Emergency Dental (Acute Onset of Pain) | ![]() |
Emergency Medical Evacuation | ![]() Onset of Pre-existing Condition) |
Return of Minor Children | ![]() |
Repatriation of Remains | ![]() |
Emergency Reunion | ![]() |
Natural Disaster | ![]() |
Trip Interruption | ![]() |
Lost Checked Luggage | ![]() |
Political Evacuation | ![]() |
Terrorism | ![]() |
Accidental Death and Dismemberment (excludes loss due to Common Carrier Accident) | ![]() Death – $25,000 Loss of 2 Limbs – $25,000 Loss of 1 Limb – $12,500 Benefits reduce 50% at age 70 and an additional 50% at age 75.Members under age 18 Death – $5,000 Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500 $250,000 Maximum Benefit any one family |
Common Carrier Accidental Death | ![]() $50,000 per Member ![]() $25,000 per Member |
Hospital Pre-certification Penalty | ![]() |
Optional Hazardous Sports Rider | ![]() |
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death) | ![]() |
Click here for Atlas’ secure online quote & order form
When Does Coverage Become Effective and When Does it End? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Your 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 is made by mail), the moment you depart from your Home Country, or 12:01am on the date you request on your Application. Your coverage will end on the earliest of: 12:01am on the last day of the period for which you have paid a premium, 12:01am on the date requested on your Application, or 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).
*Times expressed above are based on US Eastern Standard Time. |
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Click here for Atlas’ secure online quote & order form | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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Does the Atlas Series Provide any Home Country Coverage? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage.
Incidental Home Country Coverage – The Atlas Series will provide you 15 days of incidental coverage for trips to your Home Country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers Medical expenses only.Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling. Benefit Period Medical Coverage – A Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days. If you started a Benefit Period while this insurance was in effect, you are covered only for Medical expenses for the duration of the Benefit Period, regardless of whether you are at home or abroad. End of Trip Home Country Medical Coverage – If you are covered under the Atlas Series and outside of your Home Country continuously (except for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage. Home Country Defined – If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail. |
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Which Plan Should I Purchase? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
US citizens, as well as non-US citizens traveling outside of the US, should purchase Atlas International, which provides coverage outside of the US. Non-US citizens traveling to the United States should purchase Atlas America. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
What is Covered? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits):
Medical:
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Complications of Pregnancy:
Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity. Hospital Indemnity: If you are hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Series will provide $100 for each night you spend in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance. Acute Onset of a Pre-Existing Condition: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Emergency Dental: The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident that is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental Treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100. Political Evacuation: If the United States government issues a travel warning that becomes effective after your arrival in your destination country, the plan will provide for transportation to the nearest place of safety or for return to your Home Country. You must contact HCCMIS within 10 days of the date the travel warning is issued and the evacuation must be approved in advance and coordinated by HCCMIS. Emergency Medical Evacuation: 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, the Atlas Series will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment. |
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Click here for Atlas’ secure online quote & order form | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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Emergency Reunion:
In the event of a covered Emergency Medical Evacuation, the Atlas Series will provide the following benefits: 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 travel to the area where you are hospitalized following Emergency Medical Evacuation and reasonable expenses for lodging and meals for your relative, for a period not to exceed 15 days. Return of Minor Children: If you are the only person age 18 or older, traveling with one or more children under the age of 18, who are also covered by the Atlas Series, and you are 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, the Atlas Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child. |
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Terrorism
The Atlas Series provides 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:
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. For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact your representative for additional information about this exciting new product offered by HCCMIS Accidental Death and Dismemberment:
The Accidental Death and Dismemberment benefit is not available for losses incurred during participation in a Hazardous Sport or in respect to losses resulting from an Act of Terrorism. Common Carrier Accidental Death: In the event of your Accidental Death while traveling on board a commercial common carrier, the Atlas Series will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18), subject to a maximum of $250,000 per family, to the Beneficiary designated on your Application. This benefit is not available in respect to losses resulting from an Act of Terrorism. Repatriation of Remains: In the event of a covered Injury or Illness resulting in your death, the Atlas Series 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. Natural Disaster: In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Series will provide you up to $100 a day for 5 days if you are Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim. |
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Trip Interruption:
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Lost Checked Luggage:
In the event your checked luggage is permanently lost by the transportation provider, the Atlas Series will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and submit copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage. |
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Click here for Atlas’ secure online quote & order form | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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Schedule of Benefits and Limits |
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Click here for Atlas’ secure online quote & order form | ||||||||||||||||||||||||||||||||||||||||||||||||||||
What Is Excluded? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:
This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact HCC Medical Insurance Services |
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Click here for Atlas’ secure online quote & order form | ||||||||||||||||||||||||||||||||||||||||||||||||||||
What if I Plan to Participate in a Sport or Athletic Activity that is Excluded? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
The Optional Hazardous Sports Rider is available for the adventurous traveler for an additional 20% premium.
This Optional Hazardous Sports Rider adds coverage for the Amateur sports listed in exclusion #18. The maximum coverage under this Rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during the course of the activity. |
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What are the Pre-certification Requirements? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Hospitalizations, Surgeries, Emergency and Political Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must be Pre-certified. 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. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
How is Pre-certification handled in the case of an emergency or natural disaster? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
You, a family member, your Physician or anyone else has up to 48 hours after the event, or as soon as possible, if there’s no ability to contact HCCMIS (ie: natural disaster) about what happened. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Who is the Plan Administrator? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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. Our international claims specialists, medical professionals and service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas.HCC has assets of more than $8.6 billion, shareholders? equity in excess of $2.7 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Who is the Insurer? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
The Atlas Series is insured by Syndicate 4141 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. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
How do I Extend or Renew my Coverage? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 12 months 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 12 months of continuous coverage you may renew your coverage for up to 12 additional months.If 24 months of continuous coverage is maintained, a final period of up to 12 months may be purchased.Deductible and Coinsurance must be re-satisfied as of each renewal date. After 36 months of continuous coverage under Atlas International, or 12 months of continuous coverage under Atlas America, or any break in coverage, a new plan must be purchased.A new Application is required and you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions. Extensions or renewals must be made online with payment by credit card.For additional information on extending or renewing your plan, please visit Client Zone. |
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Can Coverage Be Cancelled? | ||||||||||||||||||||||||||||||||||||||||||||||||||||
If for any reason you wish to cancel your policy, you must submit your cancellation request in writing to HCCMIS in order to receive a refund of premium.To be eligible for a full refund, the request for cancellation must be received prior to your effective date.Cancellation requests received after the effective date will be subject to the following conditions:
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HCCMIS’s Client Zone and World Service Center | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, HCCMIS is ready to respond.Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to:
You may access Client Zone by logging in at https://zone.hccmis.com/clientzone/. Click here for Atlas’ secure online quote & order form Questions? Call Deanna, Becky, Tara or Steve toll free at 1-888-407-3854. |
ExpatriateTripInsurance.com is a division of TripInsuranceStore.com
![]() Since Jan. 2005 | ||
Easily Contact ExpatriateTripInsurance.com via email: steve [at] tripinsurancestore.com |
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816-282-6858
Local: 507-214-3854
Toll free : 1-888-407-3854
Office hours: (Eastern Time Zone)
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