What is the INF Standard Plan?
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The INF Standard Plan is our flagship fixed-benefit visitors insurance plan for new sicknesses & accidents. This plan is great for anyone who does not have any pre-existing conditions & wants the best visitors coverage for any medical issues or emergencies. The INF Standard Plan will cover all age groups. This includes individuals who are about 80 years old traveling to USA or Canada.
INF Standard Plan will cover any new sickness or accident. An analysis of our claims data has show that the typical accidents, such as slip & falls, bone fractures, and cuts / bruises costs around $5,000 - $6,500 per incident. Our study also looked at the costs of common illnesses, such as Urinary Tract Infection, which afflicts many older Indians traveling overseas on long-flights. Our analysis found that incidents of Urinary Tract Infection are particularly high in individuals who are older than 40 years old, and hospital admission typically arise within 1-2 weeks after arriving in the United States. Without insurance, these medical costs total to more than $15,000, let alone the additional costs of follow up doctors visits. With the INF Standard Plan - You Are Covered. This plan is the only visitors insurance which covers Urinary Tract Infection. The INF Standard Plan was developed out of a need from the community to cover these types of high-risk illnesses. Whether your loved one is afflicted with a UTI, injures their arm or leg, or catches a fever, you can have the peace of mind The Standard Plan also comes with Careington POS Discount Card at no additional cost! This discount card provides savings on Dental, Vision, Prescription, & Hearing products & services. With the Careington Discount Card, you can expect savings of up to 50% for Dental procedures! For more information visit our page on the Discount Card Program
This plan is proudly underwritten by CHUBB American Insurance Company, USA |
INF Standard Brochure |
INF Standard Plan: An Illustration
Vidhya Kohli is a 92 year-old soon-to-be great-grandmother who lives in Chennai. She is traveling to the United States to for the birth of her great-granddaughter, due in mid-February. As a testament to her old age, Vidhya has no pre-existing conditions, exercises regularly, and keeps a strict diet. Vidhya arrives in Chicago, and is picked up by her daughter, Komal. After resting for a few days, Vidya decides to take a walk around the neighborhood. Due to a recent snow storm, there is much ice on the sidewalk. Vidhya accidently slips and breaks her ankle. She is taken to the emergency room. Vidhya will now need a wheelchair. As she leaves the hospital, she is handed a bill for $18,000. Thankfully, Komal had purchased $150,000 INF Standard Plan for Vidya. Here's how the costs break down:
Procedure |
Cost |
Amount Paid by Insurance |
Amount Owed by Vidhya |
Hospital Emergency Room & ICU |
$5,500 (2 Day) |
$4,650 |
$850 |
Surgeon & Surgical Supplies |
$8,000 |
$7,500 |
$500 |
Rehabilitative Braces (Wheel Chair) |
$950 |
$950 |
$0 |
Prescription Drugs |
$250 |
$200 |
$50 |
X-Ray & CAT Scan |
$2,000 |
$1,750 |
$250 |
Total Savings of $15,050 or 90%
As illustrated above, the INF Standard Plan will cover any medical event caused by an accident or sickness. The INF Standard Plan provides coverage for traumatic medical events, such as bone fracture or serious illness, better than most other visitors insurance plans. Most visitors insurance will not cover episodes of serious illnesses, attributing them to pre-existing conditions. With the INF Standard Plan, all serious illnesses & accidents are covered. The INF Standard Plan is the only plan which also cover individuals who are above 80 years of age. With the INF Standard Plan, you & your visitors can travel in confidence with the peace of mind knowing they are fully covered.
INF Standard Coverages
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INF Standard plan | Age 0-69
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INF Standard plan | Age 70-99+
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INF Standard Schedule of Benefits
$50,000 Policy Max$100,000 Policy Max$150,000 Policy Max |
In-patient services | $50,000
Out-patient services | $50,000
Other benefits | $50,000
In-patient services | $100,000
Out-patient services | $100,000
Other benefits | $100,000
In-patient services | $150,000
Out-patient services | $150,000
Other benefits | $150,000
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