| Insurance Provider | WorldTrips - Tokio Marine HCC |
| Medical Provider Network | UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. |
| Plan Type | Travel Medical Insurance for US citizens traveling outside the US, and for Non-US citizens traveling outside their country of residence. |
| Maximum Benefit | Age 80 or older $10,000. Age 70 to 79: $50,000, $100,000, or $150,000. All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000. |
| Deductible (Insured pays before insurance pays) | $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period |
| Trip Benefits | N/A |
| Illness or Injury Coinsurance | Insurance will pay 75% of eligible expenses, after the deductible and copay, to the overall maximum benefit limit. |
| Hospital Room & Board | Average semi-private room rate, including nursing services |
| Intensive Care | Up to the overall maximum limit |
| Mental Health and Substance Abuse | Not Covered |
| Emergency Room | URC for injury or illness resulting in hospitalization. Additional $200 deductible for illness without hospitalization |
| Prescription Drugs | URC for drugs which require prescription by a physician for treatment of a covered injury or illness, for a maximum supply of 60 days per prescription. |
| Urgent Care Clinic | $15 copay, deductible waived. Not applicable when $0 deductible selected. |
| Walk in Clinic | $15 copay, deductible waived. Not applicable when $0 deductible selected. |
| Surgery Care | Up to the Maximum |
| Doctor Visit | Up to the Maximum (Includes Virtual Doctor Visit) |
| Xray and Lab | Up to the Maximum |
| Ambulance | Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient. |
| Hospital Indemnity | N/A |
| Accident Dental | N/A |
| Accidental Death & Loss of Limb | N/A |
| Bedside Visit | N/A |
| Medical Evacuation | Up to $500,000 lifetime maximum - not subject to deductible or overall maximum limit |
| Repatriation of Remains | Up to $25,000 lifetime maximum - not subject to deductible or overall maximum limit |
| Pre-existing conditions | N/A |
| Group Pricing | N/A |
| Age | Travel Including US 30 days Premium | Travel Excluding US 30 days Premium |
|---|---|---|
| Select age group | Select age group |
HCC Atlas Essential (WorldTrips) medical insurance provides customizable coverage for international travelers.
HCC Atlas Essential Medical Insurance (WorldTrips) is for U.S. Citizens traveling out of the U.S., and Non-U.S. Citizens traveling out of their country of residence. Purchase 5 days - 364 days for travel to the US. Non-US citizens traveling to non-US destinations can purchase up to three years.
After submitting an application online successfully, you will receive an Email in a few minutes which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance.