INF Plans vs. Acute Onset of Pre Existing ConditionsAcute Onset of Pre-Existing Conditions are visitor health insurance plans which claim to provide pre existing conditions coverage- when you meet a certain requirement. If you look at most "acute onset" plans- they never define what can actually be qualified as an acute onset of pre-existing condition. Most have generic definitions, which state:
"An sudden of unexpected outbreak or recurrence of a pre-existing conditions which occurs spontaneously and without advance warning (in terms of both symptoms and doctors advice), and is of short duration, rapidly progressing, and requires immediate medical attention" Insurance companies place more restrictions on top of that- such as medical care must be obtained within 24 hours, and there is no coverage for chronic or congenital conditions. Isn't diabetes chronic? Isn't blood pressure chronic? If these insurance plans don't cover chronic conditions- then what good will they be! Acute onset of pre-existing conditions plans will offer comprehensive 100% co-insurance, $0 deductibles, and visitors coverage up to $2,000,000. And the price for this insurance? On average, we found around $287.00 across various providers for the 60-69 age group. How is this possible? Because acute onset plans do not pay claims. These plans only provide you the peace of mind if you have no claim, but when you do have a claim- it becomes a nightmare. |
Other Insurance for Visitors Providers & Acute Onset Plans
Some insurance providers will harass you and not pay any claims. And the worst part- you may have to sue the insurance company to get any recourse! Why does it go to such an extreme? Most Insurance for Visitors companies are underwritten by Non-Admitted Carriers- meaning they are unregulated by your states insurance company. They don't care if you are mad about claims- there's no recourse for them!
Visitor medical insurance is rife with scams meant to trick people into buying something they don't understand. Most Insurance for Visitors companies also know that since the insured is only in USA for a limited amount of time- there is no threat of litigation unless their family member takes it up. Insurance for Visitors which covers acute onset of pre-existing conditions will not pay claims!
Only INF offers an alternative to acute onset of pre-existing conditions coverage. INF offers the only full pre-existing Insurance for Visitors option for parents. This means parents with pre-existing conditions have Insurance for Visitors which will cover them for the "full scope" of medical services. INF Full Pre-Existing Insurance for Visitors cover all pre-existing conditions. Full Pre-Existing Insurance for Visitors covers the worsening of pre-existing conditions, have no look back period, and cover out-patient care for your visitors. This means you can visit any urgent care or specialist for any worsening pre-existing condition and it will be covered by INF's full pre-existing conditions plans.
Insurance is not something you can touch or feel. It's not something you can see. But it is something you can know. When we purchase an insurance policy, we are trying to cover our risks. We buy insurance to protect again unknown risks. In essence, we don't know what we don't know when it comes to the health of our visitors. Certain risks are avoidable, like slip and falls, cuts, and burns. But we never know when a pre-existing episode can take place. When it does- you want an insurance that works. You want INF.
Visitor medical insurance is rife with scams meant to trick people into buying something they don't understand. Most Insurance for Visitors companies also know that since the insured is only in USA for a limited amount of time- there is no threat of litigation unless their family member takes it up. Insurance for Visitors which covers acute onset of pre-existing conditions will not pay claims!
Only INF offers an alternative to acute onset of pre-existing conditions coverage. INF offers the only full pre-existing Insurance for Visitors option for parents. This means parents with pre-existing conditions have Insurance for Visitors which will cover them for the "full scope" of medical services. INF Full Pre-Existing Insurance for Visitors cover all pre-existing conditions. Full Pre-Existing Insurance for Visitors covers the worsening of pre-existing conditions, have no look back period, and cover out-patient care for your visitors. This means you can visit any urgent care or specialist for any worsening pre-existing condition and it will be covered by INF's full pre-existing conditions plans.
Insurance is not something you can touch or feel. It's not something you can see. But it is something you can know. When we purchase an insurance policy, we are trying to cover our risks. We buy insurance to protect again unknown risks. In essence, we don't know what we don't know when it comes to the health of our visitors. Certain risks are avoidable, like slip and falls, cuts, and burns. But we never know when a pre-existing episode can take place. When it does- you want an insurance that works. You want INF.
Why should I go with INF vs. an Acute Onset Plan?
Why should I go with INF vs. an Acute Onset Plan?
Statistically speaking- INF claims data shows that there is a 1% chance of any true acute onset of pre-existing conditions event happening to your visitor during their stay. More than that, most Insurance for Visitors policies are written such that they are able to exclude 99% of situations which could be considered pre-existing related.
Does your visitor feel lightheaded? You claim is denied as its related to their blood sugar level. Did your visitor contract a Urinary Tract Infection? Your claim is denied as other Insurance for Visitors will consider that a worsening of pre-existing conditions. Moreover- when you look at the cost of American health care and compare it to the premiums of Insurance for Visitors plans- it does not make sense what these companies are offering.
The average 65 year old pays $4300 out-of-pocket in Visitor Accident & Sickness insurance expenses, according to a study by the Center for Retirement Research at Boston Colloege. Now compare this to your typical acute onset of pre-existing conditions Insurance for Visitors premiums in that age group, which can start for as little as $28 per month. It should be clear that When you buy a cheap plan, you can expect cheap coverage. There's no free lunch in the USA. If you purchase a plan promising $1,000,000 coverage and it actually pays out anything close to that- you will be very lucky.
What's the difference between Acute Onset of Pre-Existing Conditions and Full Pre-Existing Insurance for Visitors?
Acute Onset plans do not cover pre-existing conditions. They rarely cover emergencies in any capacity. If your visiting parents have chest pain, and you go to the emergency room- this is not covered by an Acute Onset of Pre-Existing condition plan. If your visiting parents have an asthma attack or an allergic reactions- these are also not covered under acute onset of pre-existing conditions.
Full Pre-Existing plans cover all pre-existing conditions. There is no time limit on when you can seek coverage, and there is no exclusions for any pre-existing condition. Full Pre-Existing plans cover you for any type of medical care related to a worsening pre-existing condition. This means if your mom or dad have arthritis and you need to visit a rheumatologist- this is going to be covered as per the policy.
To put your mind at ease- take a look at the exclusions in comparable plans, and compare them to INF Elite's exclusions. INF has a plain vanilla policy that does not sneak in any exclusions to prevent you from getting the coverage you want, and the peace of mind you need. Take a look for yourself at the exclusions of these other plans vs. INF:
Atlas America -Exclusions
Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:
YOU ARE NOT COVERED IF:
In no event will our YOU ARE NOT COVERED IF:
YOU ARE NOT COVERED IF:
YOU ARE NOT COVERED IF:
YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions. YOU ARE NOT COVERED IF:
Patriot America Exclusions
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Safe Travels usa - Exclusions
We will not pay for any Accidental Death, Dismemberment or Paralysis loss or Injury that is caused by, or results from:
In addition to the Exclusions above, We will not pay Medical Expense Benefits for any loss, treatment or services resulting from or contributed to by:
sport (except as provided by the Athletic Sport Rider).
We will not pay Political Evacuation Expense Benefits for expenses and fees:
Seven Corners Plans exclusions
Exclusions. You shall have no benefits or coverages for and the Company shall have no liability or obligation of any kind to pay or reimburse You or any third person or Relative for, any changes, fees (including attorneys’ fees), costs, expenses, damages, losses, judgments, claims or other liabilities incurred or sustained by or assessed against You or any third person or Relative, if directly or indirectly relating to, arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, occurrences or circumstances, all of which are expressly excluded from coverage under this Insurance and all of which the Company will provide no benefits or coverages for and shall have no liability or obligation for same, and the Company will not pay or reimburse You or any third person or Relative for any claims of any kind arising directly or indirectly from, happening through or as a consequence of:
(bb) Any lawsuit, claim for benefits, enforcement action, complaint, or other civil or administrative proceeding of any kind brought by or on behalf of You or any third person or Relative against the Company, the Administrator, or the Participating Organization including, without limitation, any lawsuit or proceeding alleging breach of contract, bad faith, or any tortuous conduct of any kind, seeking equitable or declaratory relief, or otherwise seeking the recovery, enforcement or effectuation of any benefits or coverages under this Insurance; (cc) Any loss, personal injury, property damage, or other claim arising or resulting from any act, omission, failure to act, event or other occurrence committed or occurring at any time prior to or subsequent to the Period of Coverage; or (dd) Any personal injury, medical expense, damage or other loss suffered by a Relative except for damage to a Relative’s personal property, which shall be limited to a maximum of $2,500 and subject to the per Injury/Illness Deductible set forth in the Schedule of Benefits. ECTION 8. EXCLUSIONSUnless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2 through 3.5, 3.8, 3.9, 4.1, 4.2, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.5, and 7 excludes Expenses that are for, resulting from, related to, or incurred for the following:
(bb) Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities; (cc) Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician; (dd) Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self- inflicted Injury or Illness; (ee) Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations; (ff) Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body; (gg) You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country; (hh) Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit; (ii) Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You; (jj) You while in Your Home Country unless covered under Section 3.8 or 3.9; (kk) Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel; (ll) Travel accommodations; (mm) Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft; (nn) Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft; (oo) Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket- propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and (pp) Participating in contests of speed or riding or driving in any type of competition. (qq) Loss of life; (rr) Long-term disability; or (ss) Financial guarantee, financial default, bankruptcy, or insolvency risks. |
INF Elite Exclusions
We will not pay benefits for any loss or Injury that is caused by or results from:
- intentionally self-inflicted injury; suicide or attempted suicide.
- war or any act of war, whether declared or not.
- a Covered Accident that occurs while a Covered Person is on active duty service in the military, naval or air force of any country or international organization. Upon receipt of proof of service, we will refund any premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days.
- piloting or serving as a crew member in any aircraft (unless otherwise provided in the Policy).
- riding in any aircraft except as a fare-paying passenger on a regularly scheduled or charter airline
- commission of, or attempt to commit, a felony.
- sickness, disease, bodily or mental infirmity, bacterial or viral infection, or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food (Applicable to accident benefits only).
- the Covered Person being legally intoxicated as determined according to the laws of the jurisdiction in which the Injury occurred.
- commission of or active participation in a riot or insurrection.
- In addition, We will not pay Medical Expense Benefits for any loss, treatment, or services resulting from:
- routine physicals and care of any kind.
- routine dental care and treatment.
- routine nursery care.
- cosmetic surgery, except for re constructive surgery needed as the result of an Injury.
- eye refractions or eye examinations for the purpose of prescribing corrective lenses or for the fitting thereof; eyeglasses, contact lenses, and hearing aids
- services, supplies, or treatment including any period of Hospital confinement which is not recommended, approved, and certified as Medically Necessary and reasonable by a Doctor, or expenses which are non-medical in nature.
- treatment or service provided by a private duty nurse.
- treatment by any Immediate Family Member or member of the Insured’s household. “Immediate Family Member” means a Covered Person’s spouse, child, brother, sister, parent, grandparent, or in-laws.
- Pregnancy (unless treatment is required as a result of a Medical Emergency), childbirth, miscarriage, abortion or any complications of any of these conditions.
- expenses incurred during travel for purposes of seeking medical care or treatment, or for any other travel that is not in the course of the Policyholder’s activity (unless Personal Deviations are specifically covered).
- medical expenses for which the Covered Person would not be responsible to pay for in the absence of the Policy. Expenses incurred for services provided by any government Hospital or agency, or government sponsored-plan for which, and to the extent that, the Covered Person is eligible for reimbursement.
- any treatment provided under any mandatory government program or facility set up for treatment without cost to any individual.
- services or expenses incurred in the Covered Person’s Home Country.
- elective treatment, exams or surgery; elective termination of pregnancy.
- expenses for services, treatment or surgery deemed to be experimental and which are not recognized and generally accepted medical practices in the United States.
- expenses payable by any automobile insurance policy without regard to fault.
- organ or tissue transplants and related services.
- Preexisting Conditions, unless otherwise provided in the Policy.
- Any expense paid or payable by any other valid and collectible group insurance plan.
- Injury or Sickness for which benefits are paid or payable under any Workers' Compensation or Occupational Disease Law or Act, or similar legislation, whether United States federal or foreign law.
- Injury sustained while participating in club, intramural, intercollegiate, interscholastic, professional or semi-professional sports.
- expenses incurred for services related to the diagnostic treatment of infertility or other problems related to the inability to conceive a child, including but not limited to, fertility testing and in-vitro fertilization.
- expenses incurred in connection with weak, strained or flat feet, corns, calluses or toenails.
- expenses incurred for birth control including surgical procedures and devices.
- birth defects and congenital anomalies, or complications which arise from such conditions.
- sexually transmitted diseases or immune deficiency disorders and related conditions. This exclusion does not apply to the care or treatment of Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or Human Immunodeficiency Virus (HIV) infection, or any illness or disease arising from these medical conditions