Limited Coverage Plan
Plan pays pre defined Fixed Dollar amount.
Covers Pre existing conditions up to the limit as per the policy terms.
AM Best Rating

A++

Carrier/Underwriter

Chubb

Administrator

INF Visitors Care

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Limited Coverage Plan

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Coverage from 90 days to 360 days

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Pre-Existing Conditions

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Telemedicine by MeMD

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PPO Network

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Medical Coverage During Travel

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INF Premier is a limited pre-fixed visitors insurance plan that provides medical insurance coverage and emergency services for non US residents traveling to the USA, Canada and Mexico. The plan also includes pre-existing conditions coverage up to the stated eligible amount in the policy. After the deductible is satisfied, the plan will pay up to the stated eligible amount for covered charges.


The following benefit table shows the pre-fixed amounts the insurance carrier will pay for covered services. If the bill exceeds the pre-fixed amounts covered, the difference will be the insured’s responsibility.


Please review INF Premier Brochure and Description of Coverage for complete and detailed information.


$100,000
(ages 0-69)

$150,000
(ages 0-69)

$100,000
(ages 70-99)

Out-Patient    
Dr./Physician Visit    
Charges up to $100 max/visit 1 visit/day, 30 visits max Charges up to $125 max/visit, 1 visit/day, 30 visits max Charges up to $100 max/visit, 1 visit/day, 30 visits max
Urgent Care    
Charges up to $100 max/visit, 1 visit/day, 30 visits max Charges up to $125 max/visit, 1 visit/day, 30 visits max Charges up to $100 max/visit, 1 visit/day, 30 visits max
Surgical Treatment    
Charges up to $5,000 maximum Charges up to $6,000 maximum Charges up to $5,000 maximum
Prescription Drugs / Medicines    
Charges up to $150 maximum Charges up to $200 maximum Charges up to $150 maximum
Lab & X-rays    
Charges up to $650 maximum Charges up to $750 maximum Charges up to $650 maximum
Physical Therapy    
Charges up to $45/visit, 1 visit/day, 12 visits max Charges up to $50/visit, 1visit/day, 12 visits max Charges up to $45/visit, 1 visit/day, 12 visits max
In-Patient    
Hospital Room    
Charges up to $1,750/day, 30 days max Charges up to $1,900/day, 30 days max Charges up to $1,750/day, 30 days max
Surgical Treatment    
Charges up to $5,000 maximum Charges up to $6,000 maximum Charges up to $5,000 maximum
Hospital Intensive Unit    
Coverage up to $750 maximum additional/day, 8 days max Coverage up to $850 maximum additional/day, 8 days max Coverage up to $750 maximum additional/day, 8 days max
Emergency Services    
Ambulance Expenses    
Charges up to $450 maximum Charges up to $500 maximum Charges up to $450 maximum
Emergency Room (ER)    
Charges up to $500 Charges up to $750 Charges up to $500
Dental    
Accidental Emergency    
Charges up to $500 maximum Charges up to $550 maximum Charges up to $500 maximum
Travel    
Emergency Medical
Evacuation/ Rapatriation
   
Charges up to $500 maximum Charges up to $550 maximum Charges up to $500 maximum
Life    
AD&D    
$25,000 maximum $25,000 maximum $25,000 maximum
Other    
Pre-Existing Conditions    
$20,000/max or $40,000/max $30,000/max or $60,000/max $15,000/max or $25,000/max
Maternity    
$5,000/max for pregnancy & childbirth (conception must be after trip begins) $5,500/max for pregnancy & childbirth (conception must be after trip begins) $5,000/max for pregnancy & childbirth (conception must be after trip begins)
Plan Administrator

INF Visitors Care


Carrier/ Underwriter

ACE American Insurance Company; Chubb Group of Companies


Eligibility

1) Any non US resident

2) Available for ages 0-99 years.


What deductible should I chose?

The deductible is per incident for INF Premier. Please keep in mind that the dedutcible has to be satisfied completely before the insurance carrier will pay the pre-fixed amount for covered eligible expenses. A lower deduticble is recommended.


Plan Type

Limited Coverage Plan: pays a pre-fixed amount per service and benefit


AM Best Rating

A++


Coverage in U.S.A

Covered


Coverage outside the U.S.A

Only Canada and Mexico


Co-Pay

No co-pay (The insured will pay the difference of the pre-fixed amounts for eligible covered services defined in the benefit table)


Co-Insurance

No co-insurance (The insured will pay the difference of the pre-fixed amounts for eligible covered services defined in the benefit table)


How the benefits are paid

After the deductible is met, INF Premier pays the pre-fixed amounts for eligible covered services defined in the benefit table.


Coverage Type

Per incident


Deducitble Type

Per incident


Renewability

INF Premier can be renewed prior to expiration date. A $5 renewal fee applies for every renewal. The plan can be renewed up to 360 days.


Cancellation

1) Refunds are only available for cancellation requests submitted prior to effective start date

2) $25 cancellation fee will apply

3) $15 application fee is non-refundable

4) Premium is fully earned after the policy effective date

5) Written request or email is required for any cancellations


PPO Network

First Health Network


Coverage Length

Minimum 90 days to Maximum 360 days


Available Deductibles

$100K (ages 0-69): $75 or $250 / Pre-existing: $1,000 or $5,000

$150K (ages 0-69): $75 or $250 / Pre-existing: $1,000 or $5,000

$100K (ages 0-69): $250 or $500 / Pre-existing: $1,000 or $5,000


Available Coverage

$100K (ages 0-69) / Pre-existing: $20,000 or $40,000

$150K (ages 0-69) / Pre-existing: $30,000 or $60,000

$100K (ages 70-99) / Pre-existing: $15,000 or $25,000


Provider Directory

INF Visitors Care

P: 408-850-2154

E: support@infplans.com


Does the plan cover for Covid-19 (Coronavirus)?

INF treats COVID-19 similar to any other new sickness, and covers treatment like any other new sickness. Pre-Testing for COVID-19 is covered if recommended by a physician. Treatment and services are covered like any other new sickness, subject to the terms and conditions of the policy (This is alluding to the policy benefits). There is no country exclusion, pandemic exclusion, or time spent in the US restriction on INF coverage for COVID-19. As COVID-19 is covered like a new sickness, treatment is covered up to the new sickness policy maximum and subject to the new sickness deductible.


Q1. When is the pre-existing deductible applied?

If you have had any medical issue within the past 12 months, treatment of such issue will be subject to the pre-existing maximum. Out-patient Care for Pre-Existing Conditions are subject to the pre-existing deduction and policy maximum. Out-patient care means medical care for non-emergency worsening of pre-existing conditions. This includes urgent care, doctors' visits, specialist visits, blood tests, MRI, etc.


Q2. When is the new sickness deductible applied?

If you have Accident or New Sickness the coverage is subject to the new sickness deductible. If you have an Acute Onset of Pre-Existing condition, and there has been no incident within the last 12 months, the coverage is subject to the new sickness deductible, policy maximum. (See chart below for examples of Acute Onset New Sickness)


Q3. Am I eligible for INF Premier?

Any Non-US citizen, U.S Expatriate and their dependents. INF Elite will provide coverage for travel to the United States, Canada and Mexico. This plan is eligible for age groups 0 to 99.


Q4. What information do I need to purchase the plan?

You will need names, date of birth/s, passport number/s, home country address and a valid credit card.


Q5. When will I receive my ID card?

After enrolling, you will receive an email confirmation containing an attachment for ID cards, certificate of insurance and visa letter.


Q6. Can I renew the plan if I stay longer?

You are able to renew INF Premier for any amount of time after the initial coverage period. INF will send email, text, and phone call reminders to you 1 week & 1 day before the policy expiration. There is a $5 renewal administration fee.


Q7. Can I cancel the plan?

You are able to cancel this plan for a full refund (minus a $25 cancellation fee) before the start date of the coverage. Cancellation forms must be completed in writing and faxed to INF at 408-520-4967. Application fees ($15) are non-refundable. After the policy start date, the premium is fully earned and therefore nonrefundable.


Q8. Will this plan cover pre-existing conditions?

INF Premier is a limited pre-fixed plan that offers coverage for pre-existing conditions. INF Premier will cover for pre-existing conditions up to the set maximum amount in the policy.


Q9. Which doctor or hospital can I go to?

INF Premier is using the First Health PPO Network. This is one of the largest PPO networks in the nation. You can find a list of providers within the PPO network here: Click Here


Q10. How do I file a claim?

Anytime you visit a health care provider, even if you do not pay, we strongly suggest you fill out a claim form so the insurance company has a record of your visit to the health care provider & will be able to pay your claim in a timely manner.


Medical Bills & Receipts can be sent to the following address:


Administrative Concepts, Inc. (ACI)

994 Old Eagle School Rd., Suite 1005

Wayne, PA 19087-1706

Toll Free: 888-293-9229 (from inside the U.S.)

Phone: 610-293-9229 (from outside the U.S.)

Fax: 610-293-9299

Web: http://www.visit-aci.com

EDI Payor#: 22384


Q11. Will this plan work in my area?

The INF Premier Plan works in all 50 U.S. States, Canada and Mexico.

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NOTE: INF VISITOR ACCIDENT & SICKNESS INSURANCE WILL NOT COVER SCHEDULED OR ANTICIPATED MEDICAL TREATMENT FOR PRE-EXISTING CONDITIONS. THESE PLANS ARE DESIGNED TO COVER THE WORSENING OF PRE-EXISTING CONDITIONS & EMERGENCY TREATMENT OF PRE-EXISTING CONDITIONS ONLY. ENROLLMENT AFTER ARRIVAL DATE IS SUBJECT TO SEPCIAL UNDERWRITING AND PRE-EXISTING COVERAGE MAY BE DELAYED OR DENIED.