How to buy American travel medical insurance online?

You can purchase Atlas America American travel medical insurance on HCC medical insurance service website. The website of insurance company adopts SSL encryption system, which can ensure the safety of your personal information.

You don't need to go through a medical examination to buy Atlas American insurance. As long as you provide the date of birth of the insured and the start and end dates of the insurance, you can get an automatic quotation immediately. You can use a credit card to buy directly online and receive an electronic insurance card immediately. The whole process only takes a few minutes.

If the itinerary is changed or cancelled, as long as there is no claim, you can surrender your insurance and get a refund.

The following is a detailed description of how to apply for Atlas American travel medical insurance online.

* You can read here how to inquire about the premium and application procedures of Atlas America Premium. (Atlas premium plan is similar to travel plan, but the amount of protection is higher, including the maximum insured amount of $2 million, the maximum death and disability compensation of $250,000, the maximum personal liability compensation of $654.38 million, and other higher protection. )

1. Enter the website.

First, click here to enter the Atlas America travel plan quotation page.

2. Free quotation (itinerary details)

Please fill in the date of birth and insurance date of the insured here. In this way, the computer can automatically calculate the amount of insurance premium based on this information.

Note: According to American custom, what is the order of filling in the dates? 、? The year.

Will your trip include the United States or American territory?

Does your itinerary include the United States or American territories (territories refer to Puerto Rico and the United States Virgin Islands)?

If your trip includes the United States, Hawaii, Alaska, Puerto Rico or the United States Virgin Islands, you must choose Yes.

Atlas USA is a universal travel medical insurance. If you travel to other countries outside the United States during the insurance period, you can also use the insurance in case of emergencies and accidents.

The date when the insurance should start.

Insurance starts from the date of.

Note: This? Our insurance date is based on Eastern Time. It's best to start insurance one or two days before departure (according to the time difference between your area and the eastern United States), so as to ensure that you can be guaranteed during your trip at the moment of departure.

Atlas insurance does not require you to buy before going abroad. If you have arrived in the destination country, you can also buy it. Insurance start date: just select the date you need. After arriving in the United States, you can buy insurance that takes effect on the same day, and the effective time of insurance begins when the insurance company receives the payment.

The date when the insurance should end.

Insurance end? /_ year/_ month/_ day.

Note: It is the same as the start date. What is the end of insurance here? The date is also based on Eastern Time. The insurance termination date should be one or two days later (according to the time difference between your area and the eastern United States), so as to ensure that you can travel before entering the country? There is also protection on the way.

Atlas America insurance can be insured for a minimum of 5 days and a maximum of 364 days.

Date of birth of the applicant

The applicant's date of birth is year month day.

* If you can't enter the date of birth here, it is recommended to change the browser or computer/mobile phone, which can usually solve this problem.

Date of birth of spouse

Spouse out? Date/month/day/year

If your spouse is traveling with you at the same time, you can fill in this item and apply for insurance. If your travel dates are different, you can apply separately for your spouse.

If the applicant and spouse are under 70 years old and the other spouse is over 70 years old, they also need to apply separately.

Add a child. Can I stay here if I have children traveling with me? Add children to the room? Date of birth.

* If the child is under the age of 10 and is insured with at least one adult, this insurance can exempt the child from the insurance premium. According to the insurance plan you choose, children can get the same insurance protection as others.

Please note that if the insured need different insurance dates, they should apply separately. There is no difference between applying for protection and insurance separately and applying at the same time.

Click "Get Quote" after filling in the form.

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3. Compare the insurance premium and choose your plan.

The website will automatically calculate the insurance premium according to the information you enter. First, the insurance plan with a deductible of $250 is displayed. You can compare the costs of different schemes, and the maximum coverage is 50,000, 65,438+10,000, 200,000, 500,000, 1 10,000 dollars respectively.

The price column shows the insurance premium you need to pay. If you apply for a spouse and/or children at the same time, what is this? It shows your total insurance premium.

According to the above figure, if a 35-year-old insured chooses Atlas America travel insurance for 30 days, pays $250 and the total insured amount is $50,000, then his total premium is $55.50. If you choose a scheme with a total insurance amount of $500,000, he will always have to pay a premium of $90.

(1) Deductible refers to the amount that the insured must pay before the insurance company starts to pay. This amount refers to the total amount paid by individuals during the validity period of insurance, and it is not necessary to pay every time you see a doctor. The higher the out-of-pocket expenses, the lower the insurance premium.

You can choose to pay 0, 100, 250, 500, 1000 or 2500 USD. It is recommended that you choose an insurance plan with a deductible of $500 or less, so that you will pay less out of your own pocket when using insurance.

You can click on different out-of-pocket amounts on the left. Circle, then the web page will be updated automatically, giving a new insurance premium quotation.

If you are a visiting scholar with a J- 1 visa or a visiting scholar's family with a J-2 visa, you must choose the Atlas travel insurance plan with a deductible of $500 or less. Because the medical insurance for the State Council J- 1/J-2 visa requires that the out-of-pocket expenses be 500 dollars or less.

(2) The maximum insured amount refers to the maximum amount that the insurance company can pay for various medical and travel accidents of each insured within the validity period of the insurance policy. The higher the total amount of insurance, the higher the insurance premium.

You can choose the maximum coverage of 50,000, 6,543.8+10,000, 200,000, 500,000 and 6,543.8+10,000 dollars.

Please note that this total insurance amount does not include emergency medical assistance of up to $6,543,800+0,000 per person and accidental death/disability compensation of up to $50,000 per person that the insurance company will pay separately when necessary.

For the insured under the age of 70, Atlas America American Travel Insurance provides protection against existing diseases, and you don't have to pay extra insurance premium. According to the total amount of insurance you choose, 50,000, 6,543,800+10,000, 200,000, 500,000 or 6,543,800+10,000 US dollars, and the protection for the acute attack of the old disease is 50,000, 6,543,800,000 US dollars, 200,000 US dollars, 500,000 US dollars or 6,543,800 US dollars respectively.

Age 70? For the 79-year-old insured, the maximum insured amount is only $50,000 or $6,543,800+. But can not be guaranteed by the existing acute attack of diseases.

The insured is 80 years old and above, and the maximum total insured amount is $654.38+00,000, so he can't get the protection of the existing acute attack.

If you are a visiting scholar with a J- 1 visa, or a visiting scholar's family with a J-2 visa, then you must choose the maximum coverage of more than 65438+ million dollars. Because the medical insurance of the State Council J- 1/J-2 visa requires the maximum total insured amount to be at least $654.38 million.

If two or more people are insured at the same time, the total amount of insurance here refers to the total amount of insurance compensation that each person can get (50,000 ~ 1 10,000 USD), and the deductible also refers to the amount that each person needs to pay before the insurance company starts to make claims. The insurance premium shown here is the total insurance premium of all insured persons. If each policyholder wishes to choose a different total amount of insurance, self-payment or different insurance date, they can apply separately.

After selecting the self-payment and the maximum insured amount, you have determined your insurance plan, and you can click the "Next" button to start applying.

4. Increase the insured amount (optional)

This is an optional extra guarantee. You can choose to pay extra insurance premiums and increase the amount of protection.

Choose to increase the amount of accidental death and disability compensation (accidental death and disability insurance). The maximum standard scheme is $50,000 per person, which can be increased to over $654,380,000 per person. The extra premium is $0.30 per person per day. (* Only applicable to policyholders aged between 18 and 69)

Select the amount of guarantee to improve the ability to cope with the crisis. The maximum standard scheme is 654.38 million Canadian dollars per person, which can be increased to 654.38 million Canadian dollars per person. The extra premium is $65,438 +0.25 per person per day.

Choose to increase the amount of personal liability insurance. The maximum standard scheme is 654.38 million Canadian dollars per person, which can be increased to 654.38 million Canadian dollars per person. The extra premium is $0.30 per person per day.

These are optional items. You don't have to choose, and you will get the guaranteed amount of the standard scheme. You can also click the small box in front of "Add to My Order" and select one or more items to increase the corresponding guarantee amount. The premium quotation will be updated automatically.

Then click the "Next Page" key to enter the next page.

5. Fill in the personal information of the insured.

Fill in the personal information of the applicant here, such as name, date of birth, address and contact information.

Applicant's name: Please note that you need to fill in English or Pinyin, first name, then last name.

Applicable date of birth: the applicant's date of birth has been automatically filled in.

Gender: M stands for male and F stands for female.

Passport: (optional) Passport number, optional here. You can also add your passport number after purchasing insurance.

Mailing address: fill in the mailing address.

You can fill in the mailing address of the insured himself (the insured) here, or you can fill in the mailing address of other people (click the dot before others: (first, last)).

If the insurance company sends insurance documents or letters to the insured, it will send them to this address, and it will also send insurance documents and emails to the email address you provided.

After completing the form, click "Next" to go to the next page.

* If you fill in the mailing address as new york, Maryland or Washington, you will see an additional message when you go to the next page. Please click here to learn about the special rules for residents in these areas to purchase Atlas travel insurance.

* If you fill in the address of Canada or Australia in the mailing address, you will see an extra message when you go to the next page. Please click here to learn about the special rules for Canadian and Australian residents to purchase Atlas travel insurance. According to relevant laws and regulations, if the insured is in Canada or Australia at the time of online insurance, Atlas insurance cannot be insured. You can choose to insure Atlas insurance on the plane (ship) after the plane (cruise ship) leaves the airspace (territorial sea) of Canada or Australia, so that your flight (sailing) journey can also be guaranteed. Or you can apply for insurance after you arrive in the destination country. Atlas insurance can be applied immediately, with immediate effect.

Insured persons in other countries can apply for Atlas insurance online at any time.

6. Applicant qualification information

This? The question is mainly used to check whether you are qualified to apply for Atlas America Tour. Insurance.

If you are an American citizen, whether you currently live in the United States or not, you cannot use Atlas American Insurance when traveling in the United States. Should I choose the one that suits America? Short-term medical insurance for residents.

Nationality of the insured: the nationality of the insured.

Home country of the insured: the country where the insured permanently resides.

Home country refers to the country where the insured currently lives and receives mail most of the time.

For example, applicants living in China choose "China". If you are a citizen of China and live in other countries for studying or working, please fill in your current country here.

Whether American citizens live in the United States or not, the home country must choose the United States and cannot apply for Atlas America insurance when going to the United States.

A permanent resident holding a green card in the United States usually chooses the United States as his home country, and cannot apply for Atlas American insurance when going to the United States.

As an exception, if you have just obtained an American green card and plan to live in the United States as a new immigrant, you can purchase Atlas Ameirca insurance before entering the United States. Here, your country needs to fill in the country where you live for a long time. New immigrants cannot buy Atlas America insurance after entering the United States.

American citizens or green card immigrants living overseas can choose short-term medical insurance suitable for American residents when traveling to the United States.

Main destination country: the main destination of travel, choose the United States.

If your itinerary includes countries other than the United States, can you add other sightseeing items after purchasing insurance? Country of destination.

Online fulfillment: Select "Yes" so that you can receive your insurance information directly online.

Benefit: if the insured dies unexpectedly during the journey, the name of the beneficiary who receives his death pension.

If no beneficiary is designated, the insurance company will decide the beneficiary according to the priority of the deceased's spouse, children, parents and siblings.

After completing the form, click "Next" to go to the next page.

* If the mailing address you filled in in the "Applicant Information" step is in California, when you go to the next page, you will see a notice for California residents. You can learn about the special notice when California residents buy Atlas insurance here.

7. Payment information

You can choose MasterCard, Visa, American Express or Discover credit card to pay. The payer is not the insured himself.

After filling in the credit card number and cardholder information, you should read it last and put it at the end of "Terms and Conditions". Tick the box (see the figure below) to indicate that you agree with the insurance company's terms statement, and then click the "Place an Order" button to complete the payment step.

8. Receiving insurance confirmation information

After the payment is completed, just click the "download fulfillment" link (see the figure below) and you can immediately get the insurance card and payment receipt online. This is a valid insurance certificate.

The insurance company will also send the relevant insurance documents to the mailbox provided by you, or mail them to your mailing address.

You can read the original insurance clauses of Atlas America travel plan on the website of HCCMIS Insurance Company. It is recommended that you save or print the insurance clauses. When using insurance, the interpretation of insurance clauses shall be subject to this document.

Please note that if you don't receive the insurance card in your mailbox after purchasing insurance, you'd better check the spam box in your mailbox first. Some emails may be treated as spam.

In addition, if the personal email address provided at the time of insurance is entered incorrectly, you will not receive your insurance confirmation email after payment. In this case, you'd better contact the 24/7 customer service of HCCMIS Insurance Company immediately, who can help you find the insurance purchase record and modify your personal information.

In the United States and Canada, you can call the toll-free customer service number of HCCMIS Insurance Company: (800) 605-2282. From other countries and regions, you can learn how to contact the 24-hour customer service center of the insurance company by using the toll-free telephone set up by HCCMIS in the local area.

You can also enter the general support help request page of HCCMIS insurance company here and send the questions directly to the customer service of HCCMIS insurance company. Please check whether the email address you provided is accurate when filling in the form, otherwise you may not receive a reply from the insurance company.

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9. Manage your personal insurance account through the customer area.

When you purchase Atlas America insurance, you can use Client Zone on the insurance company's website to manage your insurance. You can print insurance cards and insurance certificates, change your insurance information, extend insurance, apply for authorization, apply for claims, inquire about hospitals and clinics, and inquire about weather and tourist information of tourist destinations.

You'd better cut out your policy ID card (with your insurance number and emergency assistance contact information of the insurance company on it) and take it with you when you travel. In case of emergency abroad, you can contact the insurance company immediately.

If you need a Schengen medical insurance certificate to apply for a tourist visa from Schengen countries or a visa from other countries, you can print out the medical insurance certificate (visa letter) yourself in ClientZone.