TokioMarine       VisitorSecured.com        HCC

USA Toll Free 800-413-9067                         

Visitor Secure Insurance - Quote, Apply and Buy Online         


VisitorSecure Insurance is a low-cost plan for relatives or parents visiting USA, or for travel by anyone outside America also. Quote and buy Visitor Secure Insurance that provides cheap and affordable scheduled or fixed benefit travel medical protection coverage for immigrants or travelers to the U.S., or for visiting any foreign destination outside home country. VisitorSecure plan is available from a minimum of 14 days up to a maximum of one year. Visitor Secure Insurance is designed to protect the visitors health across borders with coverage benefits such as both inpatient and outpatient hospital medical expenses, emergency medical evacuation, and common carrier accidental death and dismemberment. and emergency travel features, and is suitable for a single individual or a group of family members or travelers to any nation. Individuals on one application must fall into one of these categories: below age 69, ages 70 to 79, and age 80 and above. If you will be traveling to the US and are age 65 or above, your date of arrival in the US must be no more than 30 days after your effective date. Visitor Secure Insurance is extendable and renewable up to 12 months of continuous coverage.

Review the Visitor Secure Insurance Brochure or the Visitor Secure Insurance Description of Coverage document for plan details and information.

Complete this application to Quote and Buy Visitor Secure Insurance online

Plan Detail

Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

Benefits


SCHEDULE OF BENEFITS AND LIMITS
 
All benefits, except Emergency Medical Evacuation; Repatriation of Remains; and Common Carrier Accidental Death and Dismemberment, are subject to deductible and are the maximum per certificate period unless stated otherwise.
 
Penalty for Failure to Pre-Certify: 50% of Eligible Medical Expenses
 
All benefits are per sickness and per injury.
 
Benefit Plan A Plan B Plan C Plan D
Maximum per Injury / Illness
Ages 14 days through 69 years
$50,000 $75,000 $100,000 $130,000
Overall Policy Maximum
Ages 70-79
$50,000 $75,000 Not available Not available
Overall Policy Maximum
Ages 80 and above
$10,000 Not available Not available Not available
Deductible
Ages 14 days through 69 years
$0, $50, or $100 per Injury or Illness $0, $50, or $100 per Injury or Illness $0, $50, or $100 per Injury or Illness $0, $50, or $100 per Injury or Illness
Deductible
Ages 70 and above
$100 or $200 per Injury or Illness $100 or $200 per Injury or Illness Not available Not available
Penalty for failure to Pre-certify 50% of Eligible Medical Expenses 50% of Eligible Medical Expenses 50% of Eligible Medical Expenses 50% of Eligible Medical Expenses
Inpatient Treatment
Hospital Room and Board, including miscellaneous $1,450 per day, maximum 30 days $1,725 per day, maximum 30 days $2,000 per day, maximum 30 days $2,585 per day, maximum 30 days
Intensive Care Unit, including miscellaneous $2,110 per day, maximum 8 days max $2,480 per day, maximum 8 days max $2,850 per day, maximum 8 days max $3,690 per day, maximum 8 days max
Surgery $3,300 per session $4,400 per session $5,500 per session $7,150 per session
Consultant physician $450 $475 $500 $650
Private duty nurse $550 $550 $550 $700
Physician visits $60 per visit, 30 visits max $75 per visit, 30 visits max $90 per visit, 30 visits max $115 per visit, 30 visits max
Outpatient Treatment
Surgery $3,300 per session $4,400 per session $5,500 per session $7,150 per session
Outpatient Surgical Facility $1,000 $1,050 $1,100 $1,400
Pre-admission Testing $1,100 $1,100 $1,100 $1,450
Diagnostic X-ray and Labs $450, plus $250 for one CAT Scan, MRI or PET $475, plus $375 for one CAT Scan, MRI or PET $500, plus $500 for one CAT Scan, MRI or PET $650, plus $600 for one CAT Scan, MRI or PET
Emergency Room (all expenses incurred therein) $355 $465 $575 $750
Outpatient Prescription Drugs $100 $125 $150 $200
Office Visits, including Urgent Care $60 per visit, 10 visits max $75 per visit, 10 visits max $90 per visit, 10 visits max $115 per visit, 10 visits max
Miscellaneous Inpatient & Outpatient Treatment
Anesthesiologist $825 $1,110 $1,375 $1,775
Assistant Surgeon $825 $1,110 $1,375 $1,775
Local Ambulance $475 $475 $475 $475
Dental Accident $550 $550 $550 $550
Physical Therapy $40 per visit, 1 visit per day, maximum 12 visits $40 per visit, 1 visit per day, maximum 12 visits $40 per visit, 1 visit per day, maximum 12 visits $40 per visit, 1 visit per day, maximum 12 visits
Durable Medical Equipment $1,100 $1,200 $1,300 $1,700
Acute Onset of Pre-existing Condition (only available to Memvers under age 70)
$50,000 Lifetime Maximum for Eligible Medical Expenses.
$25,000 Lifetime Maximum for Emergency Medical Evacuation.
$75,000 Lifetime Maximum for Eligible Medical Expenses.
$25,000 Lifetime Maximum for Emergency Medical Evacuation.
$100,000 Lifetime Maximum for Eligible Medical Expenses.
$25,000 Lifetime Maximum for Emergency Medical Evacuation.
$100,000 Lifetime Maximum for Eligible Medical Expenses.
$25,000 Lifetime Maximum for Emergency Medical Evacuation.
Other Benefits
Emergency Medical Evacuation

$50,000 Lifetime Maximum, except as provided under Acute Onset of Pre-existing Condition. Available only to Members under age 70


If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MNU, the plan will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

$50,000 Lifetime Maximum, except as provided under Acute Onset of Pre-existing Condition. Available only to Members under age 70


If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MNU, the plan will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

$50,000 Lifetime Maximum, except as provided under Acute Onset of Pre-existing Condition. Available only to Members under age 70


If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MNU, the plan will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

$50,000 Lifetime Maximum, except as provided under Acute Onset of Pre-existing Condition. Available only to Members under age 70


If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MNU, the plan will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

Repatriation of Remains $7,500 per Member

In the event of a covered Injury or Illness resulting in your death, VisitorSecureSM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
$7,500 per Member

In the event of a covered Injury or Illness resulting in your death, VisitorSecureSM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
$7,500 per Member

In the event of a covered Injury or Illness resulting in your death, VisitorSecureSM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
$7,500 per Member

In the event of a covered Injury or Illness resulting in your death, VisitorSecureSM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
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

In the event of your Accidental Death or Dismemberment while traveling on board a commercial common carrier (airplane or cruiseline), VisitorSecureSM will provide the following benefit, subject to a maximum of $125,000 per family:
Accidental Death – $25,000 to the Beneficiary designated on your Application
Loss of 2 eyes or 2 or more limbs – $25,000 to you
Loss of 1 eye or 1 limb – $12,500 to you
$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

In the event of your Accidental Death or Dismemberment while traveling on board a commercial common carrier (airplane or cruiseline), VisitorSecureSM will provide the following benefit, subject to a maximum of $125,000 per family:
Accidental Death – $25,000 to the Beneficiary designated on your Application
Loss of 2 eyes or 2 or more limbs – $25,000 to you
Loss of 1 eye or 1 limb – $12,500 to you
$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

In the event of your Accidental Death or Dismemberment while traveling on board a commercial common carrier (airplane or cruiseline), VisitorSecureSM will provide the following benefit, subject to a maximum of $125,000 per family:
Accidental Death – $25,000 to the Beneficiary designated on your Application
Loss of 2 eyes or 2 or more limbs – $25,000 to you
Loss of 1 eye or 1 limb – $12,500 to you
$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

In the event of your Accidental Death or Dismemberment while traveling on board a commercial common carrier (airplane or cruiseline), VisitorSecureSM will provide the following benefit, subject to a maximum of $125,000 per family:
Accidental Death – $25,000 to the Beneficiary designated on your Application
Loss of 2 eyes or 2 or more limbs – $25,000 to you
Loss of 1 eye or 1 limb – $12,500 to you

 

Description

VisitorSecured is your cost effective insurance plan when you have relatives visiting the US or for travel abroad. VisitorSecureSM provides protection while immigrating or traveling to the US and internationally.

  1. Easy online enrollment
  2. Major medical coverage for individuals of any age
  3. Astonishing travel assistance services included

What is VisitorSecureSM?

Individuals from around the globe live and work in the US. While traditional domestic plans are available to permanent residents, family, friends and others who visit these individuals often need insurance protection while they are in the US. VisitorSecureSM is designed to protect these international visitors. The plan also provides an additional, economical option for US citizens traveling abroad. VisitorSecureSM provides quality insurance at a price that does not break the bank. It provides both inpatient and outpatient hospital benefits and many other valuable emergency travel features, giving you protection you can rely on.

Whether you are looking for coverage for one individual or a group of family members, VisitorSecureSM has the features you need. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Common Carrier AD&D. In addition, the plan offers a choice of deductibles and coverage options assuring that the plan will meet almost any budget.
 
About the Plan Administrator
 
MultiNational Underwriters® (MNU), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. You will find our service team to be prompt, compassionate, and highly professional. MNU is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.0 billion, shareholders’ equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.
 
About the Insurer
 
Lloyd’s, the largest and oldest insurance market in the world, is the insurer of VisitorSecureSM. Rated ‘A’ (Excellent) by AM Best Company and ‘A’ (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.
 
Privacy Policy
 
MNU respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact us or visit www.mnui.com to obtain a full version of our Privacy Policy.
 
Enrollment Procedures
 
For quick and easy enrollment, contact your producer or HCCMIS for online application instructions. Online applications are processed in real-time, and you will be able to print your fulfillment immediately. You may also obtain and complete an application form to be returned to MNU by e-mail, fax, or postal mail. Applications submitted by e-mail, fax, or postal mail will be processed within two business days of receipt by HCCMIS.
 
Eligibility
  1. Only individuals traveling outside of their Home Country who are at least 14 days of age are eligible for coverage under this plan. U.S. citizens must be traveling outside of the continental U.S., Alaska, Hawaii, Puerto Rico, and the U.S. Virgin Islands in order to be eligible. For individuals coming to the U.S. who are over age 65, coverage must be effective within 30 days of arrival.
  2. Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select any plan.
Certificate Effective & Termination Dates
 
Certificate Effective Date – Insurance hereunder is effective for a Member on the later of:
  1. the moment Underwriters receive Application and correct premium if Application and payment is made online or by facsimile; or
  2. 12:01a.m. U.S. Eastern Time on the date Underwriters receive Application and correct premium if Application and payment is made by mail; or
  3. the moment the Member departs from his or her Home Country; or
  4. 12:01a.m. U.S. Eastern Time on the date requested on the Application.

Certificate Termination Date – Insurance hereunder terminates for a Member on the earlier of:

  1. 11:59 p.m. U.S. Eastern Time on the last day of the period for which premium has been paid; or
  2. 11:59 p.m. U.S. Eastern Time on the date requested on the Application; or
  3. the moment of the Member’s arrival upon return to his or her Home Country.
Notwithstanding the foregoing, coverage under all Plans shall terminate on the date Underwriters, at their sole option, elect to cancel all Members of the same sex, age, class or geographic location, provided Underwriters give no less than 30 days advance written notice by mail to the Member’s last known address.
 

EXCLUSIONS

Charges for the following diagnosis, services, supplies, and/or conditions are excluded from coverage hereunder:
  1. Routine pre-natal care, Pregnancy, child birth, miscarriage, post natal care or any complication or pregnancy.
  2. Charges Incurred by or for any child under the age of 14 days.
  3. Diagnosis or treatment related to birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.
  4. Diagnosis or treatment of Mental Health Disorders, as defined herein.
  5. Charges which are not Incurred, as herein defined, by a Member during his/her Certificate Period.
  6. Diagnosis or treatment of any condition(s) when the purpose of departing the Home Country was to obtain treatment in the destination country/countries.
  7. Charges for any benefit hereunder which are not presented to Underwriters for payment within 60 days beginning on the last day of the Certificate Period.
  8. Diagnosis, treatment, services or supplies which are not administered by or under the supervision of a Physician, and products that can be purchased without a doctor's prescription.
  9. Diagnosis, treatment, services or supplies which are not Medically Necessary as herein defined.
  10. Diagnosis, treatment, services or supplies provided at no cost to the Member.
  11. Charges which exceed Usual, Reasonable and Customary as herein defined.
  12. Telephone consultations or failure to keep a scheduled appointment.
  13. Surgeries, diagnosis, treatments, services or supplies which are Investigational, Experimental or for Research Purposes.
  14. All charges Incurred while confined primarily to receive Custodial Care, Educational or Rehabilitative Care, or any medical treatment in any establishment for the care of the aged.
  15. Diagnosis or treatment of obesity or weight modification, including wiring of the teeth and all forms of gastrointestinal bypass Surgery.
  16. Modifications of the physical body in order to improve the psychological, mental or emotional well-being of the Member, including but not limited to sex-change Surgery.
  17. Surgeries, diagnosis, treatments, services or supplies for cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is directly related to and follows a Surgery which was covered hereunder.
  18. Diagnosis or Treatment of Members for HIV+, AIDS or ARC.
  19. Any drug, treatment or procedure that either promotes or prevents conception including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal of sterilization.
  20. Diagnosis, treatment, any drug, or procedure that either promotes, enhances or corrects impotency or sexual dysfunction.
  21. Willful and/or therapeutic termination of Pregnancy.
  22. Dental Treatment, except for Emergency Dental Treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder.
  23. Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, and any examination or fitting related to these devices, and all vision and hearing tests and examinations.
  24. Eye surgery, such as radial keratotomy or lasik, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.
  25. Diagnosis or treatment of the temporomandibular joint.
  26. Injury resulting from participation in organized intercollegiate or interscholastic sports, Professional Sports including practice, aviation (except when traveling solely as a passenger in a commercial aircraft); base jumping; sky surfing; Off-road motorized vehicles including all-terrain vehicles, snowmobiles and motorized dirt bikes, (jet skis excepted) , snow skiing, or snowboarding, except for recreational downhill and/or cross country snow skiing or snowboarding (no coverage provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); racing by any animal or motorized vehicle; spelunking; sub aqua pursuits involving underwater breathing apparatus unless PADI/NAUI certified, or accompanied by a certified instructor at depths of less than 10 meters; avalanche training; Aussie rules football; big game hunting; bobsleigh, skeleton, luge, any type of boxing or martial arts, hot air ballooning as a pilot; jousting; modern pentathlon; powerlifting; quad biking outdoor endurance events, speed trials; speedway; wrestling.
  27. Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician except drugs prescribed by a Physician for the treatment of Substance Abuse.
  28. Costs resulting from self-inflicted Injury or Illness and/or suicide or attempted suicide whether sane or insane.
  29. Diagnosis or treatment of venereal disease, including all Sexually Transmitted Diseases and conditions.
  30. Routine medical examinations, including but not limited to vaccinations, immunizations, annual check-ups, the issue of medical certificates and attestations, and examinations as to the suitability of employment or travel.
  31. Diagnosis or treatment by a chiropractor.
  32. Charges resulting from or occurring during the commission of a violation of law by the Member, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
  33. Diagnosis or treatment of Substance Abuse or addiction or conditions that may be attributed to Substance Abuse or addictions and direct consequences thereof.
  34. Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinesitherapy.
  35. Psychometric, intelligence, competency, behavioral and educational testing.
  36. Any services, diagnosis, supplies, or treatment performed or provided by a Relative of the Member or any family member of the Member or any person who ordinarily resides with the Member.
  37. Orthoptics and visual eye training.
  38. Diagnosis, treatment, or supplies for the feet: orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.
  39. Diagnostic testing or procedures, services, supplies, and treatment for hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed by a Physician.
  40. Pre-existing Conditions. Charges resulting directly or indirectly from any Pre-existing Condition, as herein defined, are excluded from this insurance, except charges resulting directly from an Acute Onset of Pre-existing Condition, as herein defined, are covered for all Members subject to the limits set forth in the Schedule of Benefits and Limits.
  41. Exercise programs, whether or not prescribed or recommended by a Physician.
  42. Diagnosis or treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
  43. Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, and Repatriation of Remains sections of this insurance.
  44. Diagnosis or treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
  45. Organ or Tissue Transplants or related services.
  46. Diagnosis or treatment for acne, other acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, hypertrophic and atrophic conditions of skin, nevus.
  47. Diagnosis or treatment of all forms of cancer / neoplasm.
  48. Diagnosis or treatment of sleep apnea or other sleep disorders.
  49. All expenses of any cryo preservation and implantation or re-implantation of living cells.
  50. All Emergency Medical Evacuation or Repatriation of Remains costs not approved or arranged in advance by Underwriters.
  51. Medical conditions while on duty as a member of a police or military force unit.
  52. Claims, payable under any government system, including the Australian Medicare system, are excluded from coverage.
  53. The Accidental Death & Dismemberment benefit shall be excluded with respect to Accidents occurring while the Member is participating in any of the following:
  54. Diagnosis, treatment, services, or supplies provided by Home Nursing Care.
  55. Expenses incurred within the Member’s Home Country
  56. Services, supplies, or treatment that are not included as Eligible Expenses as described herein.

Renew


Extending / Renewing

After your initial purchase, you may extend your coverage up to a maximum of 12 months from the initial effective date. You may renew your coverage for an additional year as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 30 days of your first Certificate Period. For an ongoing condition, the Deductible must be re-satisfied as of the renewal date. After 2 years of continuous coverage or any break in coverage, a new plan must be purchased. A new Application is required and you must re-satisfy your Deductible, Pre-existing Condition provisions, and all other benefit limits.

Extensions and renewals must be made online with payment by credit card. For additional information on extending or renewing your plan, please visit Client Zone.

Cancel


Cancellation

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

  1. A $25 cancellation fee will apply
  2. Only the unused portion of the plan cost will be refunded
  3. Only members who have no claims are eligible for premium refund
Before Policy Effective Date: Full Refund
After Policy Effective Date (if no claim filed): Unused Portion of Premium - $25 Cancellation Fee

Please send cancellation request at info@visitorsecured.com 

Claims


PRE-CERTIFICATION REQUIREMENTS

The following expenses must always be Pre-certified:
 
Send completed claim documents to HCC Medical Insurance Services (HCCMIS)
Download Claim Forms Email Fax Mail Claim Enquiry

Claim Form

Non-US Claim Form

Claimant Appeal Request Form

Lost Checked Luggage

Dental Claimants Statement

Accident Questionnaire

info@visitorsecured.com 1 (317) 262-2140

P.O. Box 2005, Farminton Hills, MI 48333-2005 USA

800-605-2282

or

1 (317) 262-2132

To comply with the Pre-certification requirements, the Member must:

  1. Contact the Plan Administrator at the telephone number contained in the Member’s Certificate as soon as possible before the expense is to be incurred; and
  2. Comply with the instructions of the Plan Administrator and submit any information or documents they require; and
  3. Notify all Physicians, Hospitals and other providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with the Plan Administrator.
If the Member complies with the Pre-certification requirements, and the expenses are Pre-certified, Underwriters will pay Eligible Medical Expenses subject to all terms, conditions, provisions and exclusions herein. If the Member does not comply with the Pre-certification requirements or if the expenses are not Pre-certified:
  1. Eligible Medical Expenses will be reduced by 50%; and
  2. The Deductible will be subtracted from the remaining amount; and
  3. The benefit will be applied.

Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible.

Pre-certification Does Not Guarantee Benefits – The fact that expenses are Pre-certified does not guarantee either payment of benefits or the amount of benefits. Eligibility for and payment of benefits are subject to all the terms, conditions, provisions and exclusions herein.

Concurrent Review – For Inpatient stays of any kind, the Plan Administrator will Pre-certify a limited number of days of confinement. Additional days of Inpatient confinement may later be Pre-certified if a Member receives prior approval.

CLAIM PROCEDURES
 
Notice of Claim, Claimant’s Statement and Authorization, and Proof of Claim must be mailed to:
 
HCC Medical Insurance Services, LLC
P.O. Box 863
Indianapolis, Indiana 46206
 
Proof of Claim – When Underwriters receive notice of claim, they will provide the Member with forms for filing Proof of Claim. The following is considered to be Proof of Claim:
  1. A completed and signed Claimant’s Statement and Authorization form, together with any/all required attachments; and
  2. Original itemized bills from Physicians, Hospitals and other medical providers; and
  3. Original receipts for any expenses which have already been paid by or on behalf of the Member. The Member shall have 60 days beginning on the Certificate Termination Date to submit Proof of Claim to Underwriters. Subsequent to receipt of Proof of Claim, Underwriters may, at their sole discretion, request and require additional information, including but not limited to medical records, necessary to confirm the validity of any claim prior to payment thereof.
Appealing a Claim –
 
Time Limit – In the event Underwriters deny all or part of a claim under this insurance, the Member shall have 90 days from the date the notice of denial was mailed to the Member’s last known address to file a written appeal with Underwriters. The written appeal must include sufficient information to identify the claim under appeal and must specify the reason(s) for the appeal with supporting documentation, if applicable.
 
Appeal Procedure – Within 30 days of Underwriters’ receipt of the appeal, Underwriters’ will review the claim. A written response will be forwarded to the Member. Within 60 days of receipt of Underwriters’ response to the appeal, the Member may initiate a second appeal. Within 30 days of Underwriters’ receipt of the second appeal, medical and/or claims personnel who were not involved in the original claim determination or the initial appeal will review the claim. A final determination will be made and a letter will be sent to the Member.
 

TokioMarine       VisitorSecured.com        HCC

USA Toll Free 800-413-9067                         

Visitor Secure Insurance - Quote, Apply and Buy Online         

For more information email info@visitorsecured.com