INF StadardX International Visitor Accident & Sickness Insurance (IVAS)
The INF StadardX IVAS plan is an accident & sickness insurance program for travelers visiting the United States Canada, or anywhere outside their home country. 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.
INF StadardX IVAS Plan is not available to US residents and is only available to non-US residents
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As a plan member you will also have access to additional Non-Insurance Features when traveling to the USA including:
- Access to a Careington discount program at an additional cost with the INF IVAS Plans. 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 Tideview Risk, SPC. This is not insurance.
- As a plan member, you will be provided access to DoctorPlease- a telehealth feature which allows members to get medical care from the comfort of their own home. While in the United States, DoctorPlease 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). DoctorPlease can be used for any non life threatening condition. This is not an insurance product and is not insured by Tideview Risk, SPC. DoctorPlease only provides access to and helps arrange the telehealth visits. Any eligible benefits are paid under the terms of the IVAS StadardX insurance policy.
INF StadardX IVAS Coverages
*The StadardX Plan has no coverage for pre-existing conditions.
$50,000 Total Maximum Per Accident or Sickness Expense Benefits
Deductible Per Covered Accident or Sickness Expense
$100 to $5,000
$100,000 Maximum Per Accident or Sickness Expense Benefits
Deductible Per Covered Accident or Sickness Expense
$100 to $5,000
$150,000 Maximum Per Accident or Sickness Expense Benefits
Deductible Per Covered Accident or Sickness Expense
$100 to $5,000
$50,000 Total Maximum Per Accident or Sickness Expense Benefits
Deductible Per Covered Accident or Sickness Expense
$250 to $5,000
$100,000 Maximum Per Accident or Sickness Expense Benefits
Deductible Per Covered Accident or Sickness Expense
$250 to $5,000
INF StadardX IVAS Plan Schedule of Benefits
$50,000 Policy Max (incl PPO Discount fee)
Covered Medical Services
Hospital Room & Board
Hospital Intensive Care Unit Room & Board
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Charges up to $1,300 per day maximum
Up to 30 days
Up to an additional $525 maximum additional per day | Up to 8 Days
Up to $3,000 maximum
Up to $750 maximum
Up to $750 maximum
Up to $60 maximum per visit, 1 visit per day, to 30 visits
Up to $400 maximum
Up to $1,000 maximum
Covered Medical Services
Surgical Room & Supply Expenses
Hospital Emergency
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
X-rays & laboratory procedures
CAT Scan, PET Scan, or MRI
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $1,000 maximum
Up to $350
Up to $3,000 maximum
Up to $750 maximum
Up to $750 maximum
Up to $60 per visit maximum | 1 visit per day
Up to 10 visits
Up to $400 maximum
Up to $400 additional
Up to $100 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Physical & Occupational Therapy
Private Duty Nurse
Other Medical Benefits
Up to $400 maximum
Up to $1,000 maximum
Up to $450. There are no benefits for dental services for immediate relief of pain.
Up to $35 per visit max, 1 Visit per day to 12 visits
Up to $400 maximum
Additional Benefits
Emergency Medical Evacuation Benefit
Repatriation of Remains Benefit
Accidental Death & Dismemberment
$15,000 maximum
$10,000 maximum
$25,000 Principal Sum
$100,000 Policy Max (incl PPO Discount fee)
Covered Medical Services
Hospital Room & Board
Hospital Intensive Care Unit Room & Board
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Charges up to $1,750 per day maximum
Up to 30 days
Up to an additional $750 per day
Up to 8 Days
Up to $5,000 maximum
Up to $1,250 maximum
Up to $1,250 maximum
Up to $100 maximum per visit, 1 visit per day, to 30 visits
Up to $450 maximum
Up to $1,100 maximum
Covered Medical Services
Surgical Room & Supply Expenses
Hospital Emergency
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
X-rays & laboratory procedures
CAT Scan, PET Scan, or MRI
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $1,100 maximum
Up to $500
Up to $5,000 maximum
Up to $1,250 maximum
Up to $1,250 maximum
Up to $100 per visit maximum | 1 visit per day
Up to 10 visits
Up to $650 maximum
Up to $650 additional
Up to $150 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Physical & Occupational Therapy
Private Duty Nurse
Other Medical Benefits
Up to $450 maximum
Up to $1,100 maximum
Up to $500. There are no benefits for dental services for immediate relief of pain.
Up to $45 per visit max, 1 Visit per day up to 12 visits
Up to $500 maximum
Additional Benefits
Emergency Medical Evacuation Benefit
Repatriation of Remains Benefit
Accidental Death & Dismemberment
$20,000 maximum
$15,000 maximum
$25,000 Principal Sum
$150,000 Policy Max (incl PPO Discount fee)
Covered Medical Services
Hospital Room & Board
Hospital Intensive Care Unit Room & Board
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Charges up to $1,900 per day maximum
Up to 30 days
Up to an additional $850 maximum per maximum additional a day | Up to 8 Days
Up to $6,000 maximum
Up to $1,500 maximum
Up to $1,500 maximum
Up to $125 maximum per visit, 1 visit per day, to 30 visits
Up to $500 maximum
Up to $1,200 maximum
Covered Medical Services
Surgical Room and Supply Expenses
Hospital Emergency
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
X-rays & laboratory procedures
CAT Scan, PET Scan, or MRI
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $1,200 maximum
Up to $750 maximum
Up to $6,000 maximum
Up to $1,500 maximum
Up to $1,500 maximum
Up to $125 per visit maximum | 1 visit per day
Up to 10 visits
Up to $750 maximum
Up to $1000 additional
Up to $200 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Physical & Occupational Therapy
Private Duty Nurse
Other Medical Benefits
Up to $500 maximum
Up to $1,200 maximum
Up to $550. There are no benefits for dental services for immediate relief of pain.
Up to $50 per visit max, 1 Visit per day to 12 visits
Up to $550 maximum
Additional Benefits
Emergency Medical Evacuation Benefit
Repatriation of Remains Benefit
Accidental Death & Dismemberment
Intercollegiate Sports
$25,000 maximum
$20,000 maximum
$25,000 Principal Sum
None
INF StandardX IVAS plans are underwritten by Crum & Forster SPC. C&F and Crum & Forster are registered trademarks Crum & Forster SPC. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2024.
THIS IS A LIMITED BENEFIT POLICY. The insurance described in this document provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Notice:
For further information on this Plan, check the plan brochure above. Please keep this summary as a brief description of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan. For a detailed plan description, exclusions, and limitations please view the plan on file with the Plan Administrator. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this Brochure and the Policy.
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”). 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.
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 us +1 408-222-1110 or by visiting the Privacy Policy.
Complaints:
In the event that you remain dissatisfied and wish to make a complaint you can do so to the Complaints team here.
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.
Membership:
By purchasing this insurance provided by Crum & Forster SPC, under the jurisdiction of the Cayman Islands, you become a member of the Fairmont Specialty Trust.
