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INF Standard International Visitor Accident & Sickness Insurance (IVAS)


The INF Standard IVAS plan is an accident & sickness insurance program for INF members visiting the United States Canada, or Mexico. By enrolling in the INF Elite IVAS Plan, you also become a member of the India Network Foundation* .This plan pays eligible medical expense benefits for covered expenses that result from a covered accident or sickness, as per the terms and conditions listed in the plan.

This means eligible out-patient, specialist, urgent care, and in-patient expenses are covered by this plan for new sicknesses and accidents as defined in the plan. After the deductible has been met, coverage is provided for usual and customary charges for medically necessary covered expenses, up to the plan limits and benefit maximums. Direct Billing may be available from your provider.

There is no coverage for pre-existing conditions in the INF Standard IVAS plan. Pre-existing condition means an illness, disease, or other condition of the Covered Person that in the 12-month period before the Covered Person’s coverage became effective under the Policy: 1. first manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or treatment; or 2. required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or 3. was treated by a Doctor or treatment had been recommended by a Doctor.

In addition to accident and sickness benefits, the INF Standard IVAS program includes eligible Emergency Medical Evacuation Benefits, Repatriation of Remains Benefits, and Accidental Death and Dismemberment Benefits.

This plan is available to non-US Citizens ages 0-99 traveling to the US, Canada or Mexico when purchased before the start date of your trip for at least 30 days and no more than 364 days, which is the Maximum Period of Coverage. Enrollment can be completed Online. INF Standard IVAS plan has been offered for more than 30 years by INF as part of its commitment to providing international accident & sickness insurance to non-US Citizen who are members of the INF*.

The INF Standard IVAS plan is sponsored by INF* and the insurance portion of the plan is underwritten by Crum & Foster SPC.

As a member of INF you will also have access to additional Non-Insurance Features when traveling to the USA including:

Access to a Careington discount program at no additional cost with the INF Standard International Visitor Accident & Sickness Insurance as part of its membership and community service. 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 Crum & Forster SPC. This is not insurance.

• INF membership also provides access to MeMD- a telehealth feature which allows members to get medical care from the comfort of their own home. While in the United States, MeMD allows members 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). MeMD can be used for any non life threatening condition. This is not an insurance product and is not insured by Crum & Forster SPC. MeMD only provides access to and helps arrange the telehealth visits. Any eligible benefits are paid under the terms of the IVAS Standard insurance policy.

THE SERVICES DESCRIBED ABOVE ARE NOT INSURANCE AND ARE NOT AFFILIATED WITH CRUM & FORSTER SPC

INF Standard IVAS

INF Standard IVAS Coverages

*The Standard Plan has no coverage for pre-existing conditions.
INF Standard IVAS Plan Medical Expense Options (Age 0-69)

$5O,OOO Total Maximum Per Accident or Sickness Expense Benefits
​Deductible Per Covered Accident or Sickness Expense
$75
$250

$100,000 Total Maximum Per Accident or Sickness Expense Benefits
​Deductible Per Covered Accident or Sickness Expense
$75
$250

$150,000 Total Maximum Per Accident or Sickness Expense Benefits
​Deductible per Covered Accident or Sickness Expense
$75
$250
INF Standard IVAS Plan Medical Expense Options | Age 70-99

$50,000 Total Maximum Per Accident or Sickness Expense Benefits
Deductible per Covered Accident or Sickness Expense
$250
$500

$100,000 Total Maximum Per Accident or Sickness Expense Benefits
​Deductible per Covered Accident or Sickness Expense
$250
$500

INF Standard IVAS Schedule of Benefits 

$50,000

Policy Max

$100,000 Policy Max

$150,000 Policy Max
In-Patient services | $50,000
Covered Medical Services
In-Patient Medical Benefits
Hospital Room & Board
Charges up to $1,300 per day maximum
​Up to 30 days
Hospital Intensive Care Unit Room & Board
Up to an additional $525 maximum additional per day | Up to 8 Days
Doctor Surgical Expenses
Up to $3,000 maximum
Anesthetics
Up to $750 maximum
Assistant Surgeon Expenses
Up to $750 maximum
Doctor's Non-Surgical Treatment/Examination Expenses
Up to $60 maximum per visit, 1 visit per day, to 30 visits
Consultation visits when requested by a Doctor
Up to $400 maximum
Pre-Admission Tests within 14 days before hospital admission
Up to $1,000 maximum
Out-patient services | $50,000
Covered Medical Services
Out-Patient Medical Benefits
Surgical Room & Supply Expenses
Up to $1,000 maximum
Hospital Emergency
Up to $350
Doctor Surgical Expenses
​Up to $3,000 maximum
Anesthetics
​Up to $750 maximum
Assistant Surgeon Expenses
​Up to $750 maximum
Doctor's Non-Surgical Treatment/Examination Expenses
Up to $60 per visit maximum | 1 visit per day
Up to 10 visits
X-rays & laboratory procedures
Up to $400 maximum
CAT Scan, PET Scan, or MRI
​Up to $400 additional
Prescription Drug Expenses
Up to $100 maximum​
Other benefits | $50,000
Covered Medical Services
Other Medical Benefits
Ambulance Expenses
​Up to $400 maximum
Rehabilitative Braces or Appliances
Up to $1,000 maximum
Dental Treatment (Injury )
​Up to $450. There are no benefits for dental services for immediate relief of pain.
Chemotherapy and/or Radiation Therapy
Up to $1,000 maximum
Physical & Occupational Therapy
Up to $35 per visit max, 1 Visit per day to 12 visits
Private Duty Nurse
Up to $400 maximum
Pregnancy or Childbirth (Conception must Occur After Trip Begins)
Up to $4,500 maximum
Additional Benefits
Emergency Medical Evacuation Benefit
$15,000 maximum
Repatriation of Remains Benefit
$10,000 maximum​
Accidental Death & Dismemberment
$25,000 Principal Sum
In-Patient services | $100,000
Covered Medical Services
In-Patient Medical Benefits
Hospital Room & Board
Charges up to $1,750 per day maximum
​Up to 30 days
Hospital Intensive Care Unit Room & Board
Up to an additional $750 per day | Up to 8 Days
Doctor Surgical Expenses
Up to $5,000 maximum
Anesthetics
Up to $1,250 maximum
Assistant Surgeon Expenses
Up to $1,250 maximum
Doctor's Non-Surgical Treatment/Examination Expenses
Up to $100 maximum per visit, 1 visit per day, to 30 visits
Consultation visits when requested by a Doctor
Up to $450 maximum
Pre-Admission Tests within 14 days before hospital admission
Up to $1,100 maximum
Out-patient services | $100,000
Covered Medical Services
Out-Patient Medical Benefits
Surgical Room & Supply Expenses
Up to $1,100 maximum
Hospital Emergency Room
Up to $500
Doctor Surgical Expenses
​Up to $5,000 maximum
Anesthetics
​Up to $1,250 ​maximum
Assistant Surgeon Expenses
​Up to $1,250 maximum
Doctor's Non-Surgical Treatment/Examination Expenses
Up to $100 per visit maximum | 1 visit per day
Up to 10 visits
X-rays & laboratory procedures
Up to $650 maximum
CAT Scan, PET Scan, or MRI
​Up to $650 additional
Prescription Drug Expenses
Up to $150 maximum​
Other benefits | $100,000
Covered Medical Services
Other Medical Benefits
Ambulance Expenses
​Up to $450 maximum
Rehabilitative Braces or Appliances
Up to $1,100 maximum
Dental Treatment (Injury )
​Up to $500. There are no benefits for dental services for immediate relief of pain.
Chemotherapy and/or Radiation Therapy
Up to $1,150 maximum
Physical & Occupational Therapy
Up to $45 per visit max, 1 Visit per day up to 12 visits
Private Duty Nurse
Up to $500 maximum
Pregnancy or Childbirth (Conception must Occur After Trip Begins)
Up to $5,000 maximum
Additional Benefits
Emergency Medical Evacuation Benefit
$20,000 maximum
Repatriation of Remains Benefit
$15,000 maximum​
Accidental Death & Dismemberment
$25,000 Principal Sum
In-Patient services | $150,000
Covered Medical Services
In-Patient Medical Benefits
Hospital Room & Board
Charges up to $1,900 per day maximum
​Up to 30 days
Hospital Intensive Care Unit Room & Board
Up to an additional $850 maximum per maximum additional a day | Up to 8 Days
Doctor Surgical Expenses
Up to $6,000 maximum
Anesthetics
Up to $1,500 maximum
Assistant Surgeon Expenses
Up to $1,500 maximum
Doctor's Non-Surgical Treatment/Examination Expenses
Up to $125 maximum per visit, 1 visit per day, to 30 visits
Consultation visits when requested by a Doctor
Up to $500 maximum
Pre-Admission Tests within 14 days before hospital admission
Up to $1,200 maximum
Out-patient services | $150,000
Covered Medical Services
Out-Patient Medical Benefits
Surgical Room & Supply Expenses
Up to $1,200 maximum
Hospital Emergency Room
Up to $750 maximum
Doctor Surgical Expenses
​Up to $6,000 maximum
Anesthetics
​Up to $1,500 maximum
Assistant Surgeon Expenses
​Up to $1,500 maximum
Doctor Non-Surgical Treatment/Examination Expenses
Up to $125 per visit maximum | 1 visit per day
Up to 10 visits
X-rays & laboratory procedures
Up to $750 maximum
CAT Scan, PET Scan, or MRI
​Up to $1,000 additional
Prescription Drug Expenses
Up to $200 maximum​
Other benefits | $150,000
Covered Medical Services
Other Medical Benefits
Ambulance Expenses
​Up to $500 maximum
Rehabilitative Braces or Appliances
Up to $1,200 maximum
Dental Treatment (Injury )
​Up to $550. There are no benefits for dental services for immediate relief of pain.
Chemotherapy and/or Radiation Therapy
Up to $1,250 maximum
Physical & Occupational Therapy
Up to $50 per visit max, 1 Visit per day to 12 visits
Private Duty Nurse
Up to $550 maximum
Pregnancy or Childbirth (Conception must Occur After Trip Begins)
Up to $5,500 maximum
Additional Benefits
Emergency Medical Evacuation Benef
$25,000 maximum
Repatriation of Remains Benefit
$20,000 maximum​
Accidental Death & Dismemberment
$25,000 Principal Sum
Intercollegiate Sports
None

INF Standard IVAS Plan Description

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Benefits are provided for eligible Insured Persons. Terms and conditions are briefly outlined in this summary of coverage. Complete provisions pertaining to this insurance are contained in the policy. In the event of any conflict between this summary of coverage and the policy, the policy will govern. The policy is a short term limited duration policy renewable at the option of the insurer. This is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the Plan issued to INF. For a detailed plan description, exclusions, and limitations please view the plan on file with INF. This insurance is not subject to, and will not be administered as a PPACA (Patient Protection and Affordable Care Act) insurance plan. PPACA requires certain US residents and citizens obtain PPACA compliant insurance coverage. This plan is not designed to cover US residents and citizens. This policy is not subject to guaranteed issuance or renewal. PPO Networks are not provided by Crum & Forster, SPC

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 408-540-3601.

Complaints:
In the event that you remain dissatisfied and wish to make a complaint you can do so to the Complaints team at [email protected]

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.

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”). The coverage is not a general health insurance product but is intended for use in the event of a sudden and unexpected event while traveling outside your Home Country. 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.

By purchasing this insurance provided by Crum & Forster SPC, you become a member of the ITA Global Trust, LTD.

*India Network Foundation (INF) membership is required to enroll in this plan. Membership cost is $10 and will be included in your plan cost.