What is the INF ELITE X International Visitor Accident & Sickness Insurance (IVAS)?
INF ELITE X IVAS Plan is our flagship insurance program for INF members visiting the USA, Canada, or Mexico.
INF ELITE X IVAS Plan is not available to US residents and is only available to non-US residents
INF ELITE X IVAS provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
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As a plan member you will also have access to additional Non-Insurance Features when traveling to the USA including:
- Access to a Careington discount program at an additional cost with the INF IVAS Plans. Careington coordinates this discount program, which provides savings on Dental, Vision, Prescription, & Hearing products & services in the United States. For example, you may see savings of up to 50% for Dental procedures! For more information on benefits of the discount program, please visit our page on the Discount Card Program. This Discount card program is not an insurance product and is not insured by Tideview Risk SPC and backed by A+ Rated Reinsurance. This is not insurance.
- As a plan member, you will be provided access to Doctor Please!- a telehealth app which allows plan member to access medical care from the comfort of their own home. Doctor Please! works worldwide, and allows plan member to schedule an appointment with a healthcare provider that is credentialed, certified and highly trained, and typically arrange medical care within 1 hour. The doctor will video or audio chat with you and if required, send a prescription to the nearest pharmacy (note that prescriptions may require out of pocket expense if they are not eligible expenses). Doctor Please may be able to facilitate prescription refills of medications, and can be used for any non life threatening condition. This is not an insurance product and is not insured by Tideview Risk SPC and backed by A+ Rated Reinsurance. Doctor Please! only provides access to and helps arrange the telehealth visits. Any eligible benefits are paid under the terms of the IVAS Insurance Plan.
- The INF ELITE X plan emerges as an excellent choice for visitors seeking peace of mind during their stay with loved ones, particularly those with pre-existing conditions. This comprehensive plan not only extends coverage to pre-existing conditions but also safeguards against new sicknesses and accidents, offering a well-rounded solution to unexpected healthcare needs. In our commitment to making healthcare accessible, we've forged a valuable partnership with United Health Care, ensuring that our Elite plan remains not only comprehensive but also affordable. With INF ELITE X, visitors can enjoy their time with family and friends without the worry of unforeseen medical expenses, confident in the knowledge that their health is well-protected by a plan designed with their specific needs in mind.
- Qualifying INF ELITE X IVAS plan holders may be eligible for VIP Airport Assistance as an addon. Organized through INF-Robin Assist on request, VIP airport assistance is a premium service offered to travelers that provides personalized, high-end support throughout the airport experience. This can include amenities such as fast-track immigration and security, private transportation to and from the plane, exclusive lounge access, and assistance with baggage and check-in. The goal of VIP airport assistance is to make the travel experience as seamless and comfortable as possible, while providing a high level of personal attention and luxury. This is not an insurance product and is not insured by Tideview Risk SPC and backed by A+ Rated Reinsurance.
INF ELITE X IVAS Plan Coverages
Maximum per Accident or Sickness Expense Benefits
$150,000
$300,000
Deductible per Accident or Sickness Expense Benefits
$100
$250
$500
$1,000
$2,500
$5,000
Maximum for Pre-Existing Conditions
$25,000
Deductible for Pre-Existing Conditions
$1,500
Maximum per Accident or Sickness Expense Benefits
$75,000
Deductible per Accident or Sickness Expense Benefits
$250
$500
$1,000
$2,500
$5,000
Maximum for Pre-Existing Conditions
$20,000
Deductible for Pre-Existing Conditions
$1,500
INF ELITE X IVAS Plan Co-Insurance
Co-Insurance With INF ELITE X IVAS Plan
80% or 90% of charges up to the Total Maximum for All Accident or Sickness Expense Benefits. $25 in-network Urgent Care Copay
60% or 70% of the Usual and Customary Charges up to the Total Maximum for All Accident or Sickness Expense Benefits. $50 out-of-network Urgent Care Copay
INF Elite X IVAS plans are underwritten by Crum & Forster SPC. C&F and Crum & Forster are registered trademarks Crum & Forster SPC. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2024.
THIS IS A LIMITED BENEFIT POLICY. The insurance described in this document provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Notice:
For further information on this Plan, check the plan brochure above. Please keep this summary as a brief description of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan. For a detailed plan description, exclusions, and limitations please view the plan on file with the Plan Administrator. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this Brochure and the Policy.
Note:
This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.
Privacy Statement:
We know that your privacy is important to you and we strive to protect the confidentiality of your non-public personal information. We do not disclose any non-public personal information about our insureds or former insureds to anyone, except as permitted or required by law. We maintain appropriate physical, electronic and procedural safeguards to ensure the security of your non-public personal information. You may obtain a detailed copy of our privacy policy by calling us +1 408-222-1110 or by visiting the Privacy Policy.
Complaints:
In the event that you remain dissatisfied and wish to make a complaint you can do so to the Complaints team here.
Data Protection:
Please note that sensitive health and other information that you provide may be used by us, our representatives, the insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited, or no data protection laws). We have taken steps to ensure your information is held securely. Where sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates both to the disclosure of such information to us and its use as set out above. Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.
Membership:
By purchasing this insurance provided by Crum & Forster SPC, under the jurisdiction of the Cayman Islands, you become a member of the Fairmont Specialty Trust.
