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INF Standard Plan


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INF Standard Plan for Visitors to USA

Note: THIS PROGRAM IS AVAILABLE ONLY FOR RENEWAL OF EXISTING POLICY HOLDERS
The INF Standard Plan is a accident & sickness insurance program for members visiting the United States. This plan pays medical expense benefits for covered expenses that result from a covered accident or sickness, as per the terms and conditions listed in the policy.

This means out-patient, specialist, urgent care, and in-patient expenses are covered by this plan for new sicknesses, and accidents. Usual and customary charges for medically necessary covered expenses. These expenses are covered up to policy sublimits and benefit maximums after any applicable deductibles have been met.

There is no coverage for pre-existing conditions. 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.

This plan is available for ages 0- 99, and enrollment can be completed online. INF Standard has been offered for more than 30 years by INF as part of its commitment to the community.

The INF Standard Plan provides travel assistance services through AXA Global Assistance. Services provided include (but are not limited to):

Medical Monitoring, Medical Referrals. Emergency Medical Payments, Medical Expense Guarantee, Hospital Admission Guarantee, Emergency Medical Transport, Medical Evacuation or Repatriation, Dispatch of o Doctor or Specialist, Repatriation of Remains, Family Reunion Travel Arrangements, Escort Transportation, Return of Dependent Children, Return of a Traveling Companion, Visit of a Family Member or Friend, and Replacement of Medication or Eyeglasses. These services are available only if a covered person started his/her journey at least 100 miles away from his or her legal residence or outside of his or her home country or country of permanent assignment. Payment for these services is the responsibility of the traveler unless paid for by you or covered under the policy.

This plan is underwritten by ACE American Insurance Company, a member insurer of the Chubb Group of Companies.


Additional Features 

INF offers a Careington POS Discount Cord at no additional cost to on participants of INF Standard plan as part of its community service. This discount card savings on Dental, Vision, Prescription, & Hearing products & services. With the Careington Discount Cord, you can expect savings of up to 50% for Dental procedures! This is a discount cord and not part of an insurance policy.

A special feature of INF membership is MeMD- a telehealth feature which allows you to get medical care from the comfort of your own home. MeMD allows you to schedule an appointment with a board-certified US-based doctor and get medical care within 1 hour. The doctor will video or audio chat your visitor and send a prescription to your nearest pharmacy, if required. MeMD has no deductible, no cost to the policy hokier, and can be used for any non-life threatening new sickness or pre-existing medical conditions, without acute-onset limitation. .

THE SERVICES DESCRIBED ABOVE ARE NOT INSURANCE AND ARE NOT AFFILIATED WITH ACE AMERICAN INSURANCE COMPANY

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INF Standard Brochure



INF Standard Coverages

*The Standard Plan has no coverage for pre-existing conditions.
INF Standard 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 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 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 only)
​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 only)
​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 only)
​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 Plan Description

Read More for Age 0-69 Read More for Age 70-99

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