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phone1-317-318-8259 (English), phone1-317-318-8258 (中文)

HCC Atlas Travel Insurance

HCC Atlas Travel medical insurance provides customizable coverage for international travelers.

HCC Atlas Travel Medical Insurance 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.

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Summary of Benefits
Insurance Provider Tokio Marine HCC
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, $1,000,000 or $2,000,000
Deductible (Insured pays before insurance pays) $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Urgent Care Clinic $15 copay, deductible waived. Not applicable when $0 deductible selected.
Illness or Injury Coinsurance Insurance will pay 100% 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
Bedside Visit $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible.
Surgery Care Up to the Maximum
Preadmission Tests Up to the Maximum
Doctor Visit Up to the Maximum
Outpatient Surgery Up to the Maximum
Xray and Lab Up to the Maximum
Anesthesia Up to the Maximum
Mental Health and Substance Abuse Not Covered
Ambulance Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
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.
Dental Emergency Dental (Acute Onset of Pain)
Up to $300 - not subject to deductible
Accidental Death & Loss of Limb Lifetime Maximum - $25,000 Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
- not subject to deductible or overall maximum limit
(lower benefit levels 70 years old or older)
Hospital Indemnity $100 per overnight inpatient admission
Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition - not subject to deductible or overall maximum limit
Repatriation of remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance. This limit is for this benefit only and is not included in or subject to the overall maximum limit.
Pre-existing conditions (Illness or Injury) Acute Onset of pre-existing conditions:
Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower
Under age 70: Up to the overall maximum limit
Up to $25,000 lifetime maximum for Emergency Medical Evacuation
(excludes chronic and congenital conditions)
Group Pricing 5 or more primary insured have about 10% discount
More Information Personal Liability coverage included (Injury to another or damage to others property) - $25,000 maximum (Optional upgrade to $75,000)
Trip Interruption benefit included - $10,000 maximum
Lost Luggage benefit included - $1,000 maximum

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