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Tokio Marine HCC - MIS Group
P.O. Box 2005
Farmington Hills, Michigan 48333-2005


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Frequently Asked Questions

Your certificate ID number is located in many places, including on your ID card, on your policy fulfillment, and within any letters you have received from Tokio Marine HCC - MIS Group, such as an Explanation of Benefits. The certificate ID number may also be called the policy number, policy ID, etc.

If you are still unsure or are having trouble locating the above documents, feel free to call 1-800-605-2282 to speak with a customer service representative. Once you verify your full name and date of birth, the representative can provide your ID number.

ClientZone offers many self-service options. Through ClientZone, you can:

  • Update your information
  • Reprint an ID card
  • Print a visa letter
  • Extend your coverage

For any changes not listed above you may email orders@hccmis.com. In some cases, if a policy change is requested after a policy is in effect, additional documentation may be required in order for MIS Group to consider the change.

Travel policies may have multiple destinations. You may add destinations in ClientZone.

  • Destinations cannot include your home country or countries restricted by Office of Foreign Assets Control (OFAC).
  • If you purchase coverage that includes the United States, it will provide worldwide coverage as well. Coverage is excluded in your home country and countries restricted by OFAC.
  • If the United States is your home country (country of residency) or country of citizenship, you are not eligible for coverage that includes the United States.

Policy can be canceled either through ClientZone or email. Additional information about cancellation guidelines can be found in the Description of Coverage you received at the time of your purchase.

Policyholders who have Short Term Medical or StudentSecure insurance can cancel their policy via ClientZone. (Please note that the guidelines for cancellations vary from state to state for Short Term Medical.)

For all other cancellations, you may send a request to orders@hccmis.com. Please include your certificate number in the subject line. The earliest possibly day for cancellation is the day the request is received via email.

The visa letter is available for download in ClientZone.

Your insurance coverage, offered by Tokio Marine HCC - MIS Group, is not subject to and does not meet the minimum standards required by the Affordable Care Act (PPACA). The policy contains the plan benefits you have selected, including a lifetime maximum. Please review your choices in the fulfillment document you received to ensure you have sufficient coverage to meet your medical needs.

You may email the form with all student portions completed to mis-waivers@tmhcc.com.

Our plans are insured by Lloyd's of London, which is an approved, non-admitted carrier in the state of California. This means that, should the company become insolvent, you are not able to make a claim to the state's guarantee fund.

Applicants cannot be located in the following U.S. states or countries at the time of purchase:

  • New York, USA
  • Massachusetts, USA
  • Maryland, USA
  • Washington State, USA
  • Canada
  • Australia

If you are located in any of the aforementioned regions at the time of purchase, you are not eligible to purchase the policy. However, if you are not located in these regions at the time of purchase, we can still provide coverage in these areas.

We do not provide any tax forms as STM is not a qualifying health coverage that satisfies the requirements of the Affordable Care Act.

The regulations surrounding ACA is for coverage with duration of 365 days or more. Our STM policy is considered limited duration since the maximum term is either 6 or 11 months, depending on the state.

We encourage you to contact your tax professional for more information. However, if you still wish to obtain a payment/coverage history, please visit ClientZone and click on the Policy Status option.

You can obtain this information by visiting our Claims Resource Center.

You may find a doctor at www.hccmis.com/find-a-doctor.