INF Standard Plan
What is the INF Standard Plan?
The INF Standard Plan is our flagship, fixed benefit visitors insurance for travel to USA. The Standard Plan is meant for visitors who do not have any pre-existing coverage, but want a higher amount of coverage for any new sicknesses or accidents. This plan is unique in that it covers diseases such as Urinary Tract Infection, which no other visitors insurance covers. This plan is best suited for those who want to protect themselves against the financial risk of a major medical event.
What does “Fixed-Benefit” mean?
The INF Standard Plan is a fixed benefit program. This means for each medical procedure, a certain amount of coverage is provided. This is a called schedule of benefits. The schedule of benefits for INF Standard Plan includes items for emergency, in-patient, out-patient, prescription drugs, and doctors’ visits.
Does INF Standard Plan Cover All Age Groups?
Yes. INF Standard Plan is the only visitors’ health insurance which offers coverage for all age groups. This includes visitors who are age 99+.
Can I visit a Doctor or Urgent Care Center?
Yes, INF Standard Plan is meant for anyone seeking coverage for medical treatment such as a fever, stomach ache, etc. Moreover, the INF Standard Plan works great in case of an accident such as a fall or leg-injury. The INF Standard Plan provides the flexibility of being used at any doctor, hospital, or urgent care. In a medical emergency, visitors do not have to be mindful of which healthcare provider they go to.
Is there a Co-Pay Associated with the INF Standard Plan?
There’s no co-pay in visitors insurance. Instead, visitors insurance uses deductibles. A deductible is the amount of money you need to pay before the coverage kicks in. Typically, a lower deductible (low out-of-pocket cost) results in a higher premium, and vice versa.
Does the INF Standard Plan cover travel?
Yes, all of our plans cover the journey from the visitor’s home country to the United States. Whether they are transiting through Dubai, London, or Hong Kong the coverage will work. We suggest having coverage start 1 day earlier than the visitor’s departure date in order to ensure coverage while travelling.
What is the claims process for INF Standard Plan?
Typically, when you visit a healthcare provider show tell them you have INF Medical Insurance. If they accept the insurance, they will directly bill the insurance company and you will only be responsible for the deductible at the time. If they do not accept the insurance, simply pay the upfront costs, and fill out our online claim form. Then, send a copy of the medical bills to our Third-Party Claims Administrator. All claims are paid within 6 weeks!
Can I purchase this plan after my visitors arrive in the US?
Yes, however we advise against it. If one purchases the insurance after visitors arrive in the US, they must fill out a form attesting to health of their visitor. This form is then submitted to the underwriter to review, which takes 4-5 business days. In the meantime, if your visitor has a accident, they are covered. But if they experience a sickness, they will not be covered.
Does the INF Standard plan include Dental or Vision?
Unfortunately, no visitors insurance cover dental or vision in their policies. However, we do offer dental and vision discount cards which can save you up to 60% on dental & vision services.
What C overages are Available for the CHUBB Standard Plan?
|Age Group||Deductible||Policy Max|
The INF Standard Plan affords you the flexibility of choosing a coverage maximum to meet your needs, while maintaining a deductible as low as $75!
Who should buy the INF Standard Plan?
We advise visitors take the INF Standard if they meet the following criteria:
- They are below 50 years of age
- They have do not have any pre-existing conditions
- Mainly concerned with covering sicknesses and accidents
- They want a higher amount of coverage than other fixed-benefit plans
- You are willing to pay a lower premium for higher out-of-pocket expenses later
How can I get a quote for the INF Standard Plan?
Visit our quote page, input the age of your visitor and their length of stay, and instantly get a quote to get you visitor covered. Or, you can call 408-540-3600 and one of our agents will be happy to assist.
Submit your review