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Student Zone | Tokio Marine HCC - MIS Group

As an existing client of Kognitiv, you have access to a wealth of insurance information to help you effectively manage your insurance plan. This Student Zone is designed for Tokio Marine HCC - MIS Group customers who have purchased either the Student Secure or Atlas Travel insurance products.

If you have purchased the Student Health Advantage or Patriot Travel plan through International Medical Group (IMG), please click here to visit your Student Zone


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Register or Sign In To Your Student Zone

The Student Zone provides you with the ability to manage your international student health and travel insurance that you purchased with us. The account feature is available 24 hours a day, so as long as you have access to the internet, you can login and perform tasks such as:

  • Renewal of coverage
  • Download a replacement ID Card
  • Download a letter for your visa application
  • View and update pending claims
  • Update your personal details
  • and much more…

Access to the student zone is available to all clients, however, please allow a few hours after purchasing your plan before accessing the service.


Have a new policy? Registration is quick and easy.

Register

Already have an account? Sign in with your existing information.

Sign In

Track Your Claims

You have the ability to track all your claims online and download a copy of your Explanation of Benefits (EOB) that details how your claim was processed. To view your claims online, please sign up below through MESA:

Access MESA
Sample EOB Explanation

For more detailed information and a step-by-step guide on how to access MESA, please click here.

View Claim Forms

For every new injury and illness you have (even if the provider is billing directly to the claims team), you will need to submit the following documents:

  1. Fully completed claim form (download links below)
  2. Copy of photo page of your passport
  3. Copy of your I-20 or DS2019, if applicable
  4. Copy of your visa in your passport

We recommend that you scan all these documents, or take a picture with your phone, and email them to the claims team for faster processing. They can be emailed to [email protected].


Main Claim Form
PDF icon
  • English
  • Español
Injury Accident Claim Form
PDF icon
  • Español
Dental Claim Form
PDF icon
  • English
  • Español

Seeking Treament

Step 1

For non-emergency medical care (i.e., flu, cold, minor injury, etc.), please visit a local doctor, urgent care center or walk-in medical clinic. If you need emergency care (such as a life-threatening injury or illness), go to the nearest hospital emergency room or call the emergency services (911 in the US) for immediate assistance. Providers can be located using our online provider search tool, or you can call the assistance number on your ID card for help. Doctors will require an appointment, while clinics and urgent care centers may let you walk in for immediate assistance.

Please note: Do not go to the emergency room if you do not have a true emergency as there may be an additional deductible.

Step 2

When you arrive, be sure to show your insurance ID card and inform them that your insurance is part of the First Health Network or the UnitedHealthcare Network (the logo is on your insurance ID Card).

Please note: If you do not have your ID card with you, the provider after your appointment and provide them with your insurance details.

Step 3
In-network providers are typically able to bill directly, so you will just need to pay your deductible, and the bills will be sent direct for processing by the claims team. Out-of-network providers may ask for payment upfront, in which case you will need to pay the provider and then submit a claim form for reimbursement. Prescriptions filled at the pharmacy are always by reimbursement only.
Immediately after seeking treatment, complete a claim form , accident form (if treatment was a result of an accident), itemized receipts/bills, along with a copy of your visa/passport, and email those to [email protected] for processing.

This plan is underwritten by Lloyd's.

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