TOKIOMARINE HCCMIS

Atlas America Insurance

  • Atlas America offers medical coverage for students studying in USA or Canada.
  • It is an ideal plan for students on Optional Practical Training (OPT) status in USA.
  • Atlas America is underwritten by Lloyds and administered by Tokio Marine HCC
  • For more details of Atlas America coverage for pre-existing conditions
  • Download brochure click here
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What's Covered?

Plan Highlights

Maximum Coverage per Injury or Illness
  • Age 80 or older: $10,000
  • Age 70 to 79: $50,000, $100,000
  • All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000 or $2,000,000
Deductible
  • $0, $100, $250, $500, $1,000 or $2,500 per certificate period
Eligibility
  • This plan is eligible for individuals traveling to US or Canada for studies.

Coinsurance

    Claims incurred within the US
  • For the certificate period, underwriters will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. Coinsurance will be waived if expenses are incurred within the ppo and expenses are submitted to underwriters for review and payment directly to the provider
  • Claims incurred outside of US
  • For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the overall maximum limit

Plan Details

Benefit Period
  • 90 days
Policy Lifetime
  • 364 days
Children Coverage
  • A child under 10 years is covered free with one parent. If both mother and father are buying the plan together then 2 kids under 10 years age are covered for free. One child under 10 years/parent is covered free under this plan

Plan benefits

Acute Onset of Pre-existing Condition (under age 70) $25,000 lifetime maximum for emergency medical evacuation.
Intensive Care Usual, reasonable and customary charges
Local Ambulance Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient
Return of minor children $50,000 per certificate period (not subject to deductible or coinsurance)
Repatriation of remains Overall maximum limit (not subject to deductible or coinsurance)
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Maternity care for a covered pregnancy Covers for complications of pregnancy during the first 26 weeks of gestation.
Emergency dental (acute onset of pain) $250 limit per certificate period (not subject to deductible or coinsurance)
Sports Coverage Covers for eligible injuries and illnesses that occur while participating in many popular vacation sports - skiing, snowboarding, snorkeling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.

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