What is INF PremierX International Visitor Accident & Sickness Insurance (IVAS)?
The PremierX IVAS Plan is one of the INF's flagship Insurance programs for visitors traveling anywhere worldwide outside their home country, including USA, Canada, EU, UK, and Australia
INF PremierX IVAS Plan is not available to US residents and is only available to non-US residents
INF PremierX IVAS Plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF PremierX IVAS Plan comes with INF-Robin Assist. INF-Robin Assist arranges for direct billing & cashless claims with providers worldwide and provides 24/7 responsive claims, emergency travel and medical assistance from any device, any time, any place. INF-Robin Assist will process your claim, coordinate with the medical providers around the globe, determine eligibility, and even handle evacuation and repatriation services.
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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.
- 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. 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 PremierX stands out as an ideal choice for individuals seeking excellent coverage within budget constraints. Designed for those who prioritize both quality healthcare and financial considerations, this plan offers remarkable features, including coverage for pre-existing conditions and protection against unexpected sicknesses and accidents. We understand the importance of balancing comprehensive coverage with affordability, and to enhance this commitment, we've established a strategic partnership with United Health Care. This collaboration ensures that medical costs are not only effectively managed but also kept within reasonable bounds. With INF PremierX, individuals can enjoy the peace of mind that comes with knowing they have access to great healthcare coverage without compromising their budgetary considerations.
- Qualifying INF PremierX 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.
The Services Described Above Are Not Insurance and Are Not Affiliated With Tideview Risk, SPC
INF PremierX IVAS Plan Coverages
$100,000 Total Maximum Per Accident or Sickness Expense Benefits (incl PPO Discount fee)
Deductible Per Covered Accident or Sickness Expense
$100 to $5000
$100 to $5000
Maximum for Pre-Existing Conditions
$20,000
$40,000
Deductible for Pre-Existing Conditions
$1,000
$5,000
$150,000 Total Maximum Per Accident or Sickness Expense Benefits (incl PPO Discount fee)
Deductible Per Covered Accident or Sickness Expense
$100 to $5000
$100 to $5000
Maximum for Pre-Existing Conditions
$30,000
$60,000
Deductible for Pre-Existing Conditions
$1,000
$5,000
$300,000 Total Maximum Per Accident or Sickness Expense Benefits (incl PPO Discount fee)
Deductible Per Covered Accident or Sickness Expense
$100 to $5000
$100 to $5000
Maximum for Pre-Existing Conditions
$50,000
$100,000
Deductible for Pre-Existing Conditions
$1,000
$5,000
$500,000 Total Maximum Per Accident or Sickness Expense Benefits (incl PPO Discount fee)
Deductible Per Covered Accident or Sickness Expense
$100 to $5,000
$100 to $5,000
Maximum for Pre-Existing Conditions
$150,000
$200,000
Deductible for Pre-Existing Conditions
$1,000
$5,000
$1,000,000 Total Maximum Per Accident or Sickness Expense Benefits (incl PPO Discount fee)
Deductible Per Covered Accident or Sickness Expense
$100 to $5,000
$100 to $5,000
Maximum for Pre-Existing Conditions
$150,000
$200,000
Deductible for Pre-Existing Conditions
$1,000
$5,000
$100,000 Total Maximum Per Accident or Sickness Expense Benefits (incl PPO Discount fee)
Deductible Per Covered Accident or Sickness Expense
$250 to $5,000
$250 to $5,000
Maximum for Pre-Existing Conditions
$15,000
$25,000
Deductible for Pre-Existing Conditions
$1,000
$5,000
INF PremierX IVAS - Specific Schedule of Benefits
$100,000 Total Maximum Per Accident or Sickness Expense Benefits (incl PPO Discount fee)
Covered Medical Services
Surgical Room & Supply Expenses
Hospital Emergency Room
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
X-rays & Laboratory Procedures
CAT Scan, PET Scan, or MRI Scan
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $1,100 maximum
Up to $500
Up to $5,000 maximum
Up to $1,250 maximum
Up to $1,250 maximum
Up to $100 per visit; subject to 1 visit per day, up to a maximum of 10 visits
Up to $650 maximum
Up to $650 additional
Up to $150 maximum
Covered Medical Services (incl PPO Discount fee)
Hospital Room & Board Charges
Hospital Intensive Care Unit Room & Board Charges
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits (incl PPO Discount fee)
Charges up to $1,750 per day to a maximum of 30 days
Up to an additional $750 maximum per day to a maximum of 8 Days
Up to $5,000 maximum
Up to $1,250 maximum
Up to $1,250 maximum
Up to $100 maximum a visit, 1 visit per day, up to a maximum 30 visits
Up to $450 maximum
Up to $1,100 maximum
Covered Medical Services (incl PPO Discount fee)
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Chemotherapy and/or Radiation Therapy
Physical & Occupational Therapy: Inpatient and Outpatient
Private Duty Nurse
Pregnancy or Childbirth (Conception must occur after the actual start of the Trip)
Other Benefits (incl PPO Discount fee)
Up to $450 maximum
Up to $1,100 maximum
Up to $500
Up to $1,150 maximum
Up to $45 per visit max, 1 Visit per day to 12 visits maximum
Up to $500 maximum
Up to $5,000 maximum
Additional Benefits (incl PPO Discount fee)
Emergency Medical Evacuation
Repatriation of Remains
Accidental Death & Dismemberment
Up to $20,000 maximum
Up to $15,000 maximum
$25,000 Principal Sum
PremierX $150,000 Schedule of Benefits (incl PPO Discount fee)
Covered Medical Services
Hospital Room & Board Charges
Hospital Intensive Care Unit Room & Board Charges
Doctors Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Up to $1,900 per day to a maximum of 30 days
Up to an additional $850 per day to a maximum of 8 days
Up to $6,000 maximum
Up to $1,500 maximum
Up to $1,500 maximum
Up to $125 per visit, 1 visit per day, up to a maximum of 30 visits
Up to $500 maximum
Up to $1,200 maximum
Covered Medical Services
Surgical Room and Supply Expenses:
Hospital Emergency Room
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
X-rays, laboratory procedures
CAT Scan, PET Scan, or MRI
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $1,200 maximum
Up to $750
Up to $6,000 maximum
Up to $1,500 maximum
Up to $1,500 maximum
Up to $125 per visit; subject to 1 visit per day, to a maximum of 10 visits
Up to $750 maximum
Up to an additional $1,000
Up to $200 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Physical & Occupational Therapy: Inpatient and Outpatient
Private Duty Nurse
Other Benefits
Up to $500 maximum
Up to $1,200 maximum
Up to $550
Up to $50 per visit max, 1 Visit per day up to 12 visits maximum
Up to $550 maximum
Additional Benefits
Emergency Medical Evacuation
Repatriation of Remains
Accidental Death & Dismemberment
Up to $25,000
Up to $20,000
$25,000 Principal Sum
PremierX $300,000 Schedule of Benefits (incl PPO Discount fee)
Covered Medical Services
Hospital Room & Board Charges
Hospital Intensive Care Unit Room & Board Charges
Doctors Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Up to $3,000 per day to a maximum of 30 days
Up to an additional $1,150 per day to a maximum of 8 days
Up to $8,000 maximum
Up to $1,500 maximum
Up to $2,500 maximum
Up to $175 per visit, 1 visit per day, up to a maximum of 30 visits
Up to $800 maximum
Up to $1,600 maximum
Covered Medical Services
Surgical Room and Supply Expenses:
Hospital Emergency Room
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
X-rays, laboratory procedures
CAT Scan, PET Scan, or MRI
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $1,800 maximum
Up to $2,500
Up to $8,000 maximum
Up to $2,500 maximum
Up to $2,500 maximum
Up to $175 per visit; subject to 1 visit per day, to a maximum of 10 visits
Up to $1,150 maximum
Up to an additional $1,400
Up to $300 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Physical & Occupational Therapy: Inpatient and Outpatient
Private Duty Nurse
Other Benefits
Up to $1,000 maximum
Up to $1,500 maximum
Up to $550
Up to $100 per visit max, 1 Visit per day up to 12 visits maximum
Up to $550 maximum
Additional Benefits
Emergency Medical Evacuation
Repatriation of Remains
Accidental Death & Dismemberment
Up to $45,000
Up to $30,000
$25,000 Principal Sum
PremierX $500,000 Schedule of Benefits (incl PPO Discount fee)
Covered Medical Services
Hospital Room & Board Charges
Hospital Intensive Care Unit Room & Board Charges
Doctors Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Up to $4,500 per day to a maximum of 30 days
Up to an additional $1,300 per day to a maximum of 8 days
Up to $10,000 maximum
Up to $3,000 maximum
Up to $3,000 maximum
Up to $225 per visit, 1 visit per day, up to a maximum of 30 visits
Up to $1,000 maximum
Up to $2,000 maximum
Covered Medical Services
Surgical Room and Supply Expenses:
Hospital Emergency Room
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
X-rays, laboratory procedures
CAT Scan, PET Scan, or MRI
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $2,500 maximum
Up to $3,500
Up to $10,000 maximum
Up to $3,000 maximum
Up to $3,000 maximum
Up to $225 per visit; subject to 1 visit per day, to a maximum of 10 visits
Up to $1,500 maximum
Up to an additional $1,500
Up to $500 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Physical & Occupational Therapy: Inpatient and Outpatient
Private Duty Nurse
Other Benefits
Up to $1,500 maximum
Up to $1,500 maximum
Up to $550
Up to $125 per visit max, 1 Visit per day up to 12 visits maximum
Up to $550 maximum
Additional Benefits
Emergency Medical Evacuation
Repatriation of Remains
Accidental Death & Dismemberment
Up to $65,000
Up to $30,000
$25,000 Principal Sum
PremierX $1,000,000 Schedule of Benefits (incl PPO Discount fee)
Covered Medical Services
Hospital Room & Board Charges
Hospital Intensive Care Unit Room & Board Charges
Doctors Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Up to $6,000 per day to a maximum of 30 days
Up to an additional $2,000 per day to a maximum of 8 days
Up to $15,000 maximum
Up to $5,000 maximum
Up to $5,000 maximum
Up to $275 per visit, 1 visit per day, up to a maximum of 30 visits
Up to $1,500 maximum
Up to $3,000 maximum
Covered Medical Services
Surgical Room and Supply Expenses:
Hospital Emergency Room
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
X-rays, laboratory procedures
CAT Scan, PET Scan, or MRI
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $3,500 maximum
Up to $5,000
Up to $15,000 maximum
Up to $5,000 maximum
Up to $5,000 maximum
Up to $275 per visit; subject to 1 visit per day, to a maximum of 10 visits
Up to $2,500 maximum
Up to an additional $2,500
Up to $750 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Physical & Occupational Therapy: Inpatient and Outpatient
Private Duty Nurse
Other Benefits
Up to $2,500 maximum
Up to $1,500 maximum
Up to $550
Up to $150 per visit max, 1 Visit per day up to 12 visits maximum
Up to $550 maximum
Additional Benefits
Emergency Medical Evacuation
Repatriation of Remains
Accidental Death & Dismemberment
Up to $85,000
Up to $30,000
$25,000 Principal Sum
INF PremierX 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.
