|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|
|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.|
|Accidental Death & Loss of Limb||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|
|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.