What is the INF Standard Plan?

The INF Standard Plan is our flagship fixed-benefit visitors insurance plan for New Accident & 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 ages up to 99 years old.

The INF Standard plan uses the First Health PPO Network. First Health PPO affords you several benefits: 1) Your Insurance will be Accepted at Any In-Network Provider 2) The Insurance is billed directly, i.e. "Cashless Claims." This means you do not have to pay the medical bill & wait for reimbursment. 3) You will have access to discounted medical rates. Save money & hassel when visiting a health care provider with the INF Standard Plan.

INF Standard Plan will cover any New Accident & Sickness or accident. An analysis of our claims data 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.

Enjoy travel assistance provided by AXA Global Assistance. Our travel assistance partner will provide services including assistance to replace missing passport, assistance in replacement of prescription drugs, emergency cash transfers, and much more! See full list of travel assistance services here.

No other visitors insurance will cover you for all sicknesses & accidents like the INF Standard Plan. Designed with the community in mind, the INF Standard plan will cover your loved ones without the hassle or exclusions other visitors insurance plans. With a 100% claims payment rate & 30 years experience, peace of mind is what you get with the INF Standard Plan.

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

Additional Features

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

With the Standard Plan comes MeMD- a 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 10 minutes. The doctor will video chat your visitor, diagnose them, and send a prescription to your nearest pharmacy. MeMD has no deductible, and can be used for any pre-existing condition, without acute-onset limitation.

THE SERVICES DESCRIBED ABOVE ARE NOT INSURANCE AND ARE NOT AFFILIATED WITH ACE AMERICAN INSURANCE COMPANY, A MEMBER OF THE CHUBB GROUP OF COMPANIES

INF Standard Brochure

INF Standard Policy Document

INF Standard Plan: An Illustration

Vidhya Kohli is a 62 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 and will be staying for 6 months. 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 with $250 deductible for Vidya. Here's how the costs break down:

Procedure	Cost	Amount Paid by Insurance	Amount Owed by Vidhya
Hospital 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 Premium Paid: $607.68 | Total Claims Paid: $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.
**This is for illustration purposes only. Actual coverage depends on each insureds unique circumstances.