INF Standard International Visitor Accident & Sickness Insurance (IVAS)
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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
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INF Standard IVAS Plan Medical Expense Options (Age 0-69)
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INF Standard IVAS Plan Medical Expense Options | Age 70-99
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INF Standard IVAS Schedule of Benefits
$50,000Policy 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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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.
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.