Tokio Marine HCC

Visitor Secure Insurance

BEST SUITABLE FOR: Non US citizens while visiting the USA
ELIGIBILITY:
  • Travelers traveling outside their home country and who are at least 14 days of age
  • US citizens must be traveling outside of the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands in order to be eligible
  • For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival
Visitor Secure Plan offers pre-existing conditions coverage.
UNDERWRITERS: Underwritten by Lloyds
ADMINISTRATOR : Tokio Marine HCC(formerly known as HCC Medical Insurance Services) Related Links
Advantages
Disadvantages

Plans highlights

Policy maximum

  • Age 14 days through 69 years: Plan A - $50,000; Plan B - $75,000; Plan C - $100,000; Plan D - $130,000;
  • Age 70 through 79 years: Plan A - $50,000; Plan B - $75,000;
  • Age 80 and above: Plan A - $10,000;
Co-insurance
  • No Co-insurance
Benefit Period: 90 days.
DEDUCTIBLE
  • Age 14 days through 69 years: $0, $50 or $100
  • Age 70 years and above:
    • Plan A: $100 or $200
    • Plan B: $100 or $200
  • Ages 80 years and above:
    • Plan A: $100 or $200

Pre-Existing Conditions Coverage(only available to members under age 70 years)

Optional Pre-Existing Condition Rider?
  • Plan A: $50,000 lifetime maximum for eligible expenses
  • Plan B: $75,000 lifetime maximum for eligible expenses
  • Plan C: $100,000 lifetime maximum for eligible expenses
  • Plan D: $100,000 lifetime maximum for eligible expenses
  • $25,000 lifetime maximum for emergency medical evacuation

Benefits details

Coverage details Plan A Plan B Plan C Plan D
Plan maximum per injury/sickness $50,000 $75,000 $100,000 $130,000
Inpatient
Hospital Room & Board $1,450 per day, maximum 30 days $1,725 per day, maximum 30 days Up to $2,000/day, 30 day max Up to $2,585/day, 30 day max
Hospital Intensive Care Unit $2,200 per day, maximum 8 days $2,600 per day, maximum 8 days $3,000 per day, maximum 8 days $3,800 per day, maximum 8 days
Surgery $3,600 per session $4,800 per session $6,000 per session $7,800 per session
Consultant physician $450 maximum $475 maximum $500 maximum $650 maximum
Private duty nurse $550 maximum $550 maximum $550 maximum $700 maximum
Physician visits $60 maximum per visit, 30 visits max. $75 maximum per visit, 30 visits max. $90 maximum per visit, 30 visits max. $115 maximum per visit, 30 visits max.
Outpatient
Surgical $3,300 per session $4,400 per session Up to $5,500 per session Up to $7,150 per session
Outpatient surgical facility $1,100 maximum $1,150 maximum $1,200 maximum $1,500 maximum
Pre-admission testing $1,100 maximum $1,100 maximum $1,100 maximum $1,450 maximum
Diagnostic x-ray and labs $500 maximum, plus $400 for one CAT Scan, MRI or PET $550 maximum, plus $450 for one CAT Scan, MRI or PET $600 maximum, plus $500 for one CAT Scan, MRI or PET $750 maximum, plus $650 for one CAT Scan, MRI or PET
Emergency room (all expenses incurred therein) $375 maximum $485 maximum $600 maximum $785 maximum
Observation room services $355 maximum $465 maximum $575 maximum $750 maximum
Outpatient prescription drugs $150 maximum $200 maximum $250 maximum $300 maximum
Office visits, including urgent care $70 allowable per visit, 10 visits max. $85 allowable per visit, 10 visits max. $100 allowable per visit, 10 visits max $130 allowable per visit, 10 visits max
Others
Anesthesiologist $825 $1,110 $1,375 $1,775
Assistant surgeon $825 $1,110 $1,375 $1,775
Local ambulance $500 maximum
Dental accident $550 maximum
Physical therapy $40 maximum per visit, 1 visit per day, maximum 12 visits
Mental & nervous disorder & substance abuse Same as any illness
Durable medical equipment $1,100 maximum $1,200 maximum $1,300 maximum $1,700 maximum
Other Benefits (not subject to deductible or overall policy maximum)
Emergency medical evacuation $50,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Available only to members under age 70.
Repatriation of remains $25,000 per member
Local burial & cremation $5,000 per member
Common carrier accidental death & dismemberment $25,000 lifetime maximum principal sum per member Death or loss of two limbs - principal sum Loss of one limb - one-half the principal sum

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