INFE

INF Elite

Comprehensive Coverage
AM Best Rating
Administrator/Underwriter
INF Visitor Care
Ace American Insurance Company
80%
In Network

After deductible, the plan pays 80% up to the policy maximum.

60%
Out of Network

Plan pays 60% up to the policy maximum.

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Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 90 days to 360 days
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Urgent Care
  • Dental & Vision Discount Coverage
  • 5 day waiting period after the effective date for medical coverage for those who purchase after arrival (accidents covered immediately).
BUY

INF Elite is a comprehensive medical plan for individuals traveling to USA, Mexico and Canada that provides health coverage including coverage for any pre-existing conditions up to the stated eligible amount in the policy. After the deductible is satisfied, for treatments within the PPO network, the plan pays 80% of eligible medical expenses up to the policy maximum. Outside the PPO network, the plan pays 60% of eligible medical expenses up to the policy maximums..

Please review INF Elite Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Out-Patient

Dr. / Physician Visit

Plan pays 80% of covered network charges up to the overall maximum limit

Urgent Care

Plan pays 80% of covered network charges up to the overall maximum limit

Surgical Treatment

Plan pays 80% of covered network charges up to the overall maximum limit

Prescription Drugs / Medicines

Plan pays 80% of covered network charges up to the overall maximum limit

Lab & X-rays

Plan pays 80% of covered network charges up to the overall maximum limit

Physical Therapy

Plan pays 80% of covered network charges up to the overall maximum limit

In-Patient

Hospital Room

Plan pays 80% of covered network charges up to the overall maximum limit

Surgical Treatment

Plan pays 80% of covered network charges up to the overall maximum limit

Hospital Intensive Care Unit

Plan pays 80% of covered network charges up to the overall maximum limit

Emergency Services

Ambulance Expenses

Plan pays 80% of covered network charges up to the overall maximum limit

Emergency Room(ER)

Plan pays 80% of covered network charges up to the overall maximum limit

Dental

Accidental emergency

Plan pays 80% of covered network charges up to the overall maximum limit for dental treatment to sound, natural teeth

Travel

Emergency Medical Evacuation / Repatriation

Up to $25,000

Return of Remains

Coverage up to a maximum of $20,000 for return of mortal remains to the insured's home country.

Life

AD&D

$25,000 maximum

Other

Cancer

For chemotherapy and/or radiation services: plan pays 80% of covered network charges up to the overall maximum limit

Pre-Existing Conditions

Covered up to $25,000

Maternity

Plan pays 80% of covered network charges up to the overall maximum benefit for emergency medical treatment of pregnancy

General Physical full Checkup

Not Covered

Terrorism Coverage

Not Covered

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company

INF Visitor Care

Carrier / Underwriter

Ace American Insurance Company

Eligibility

All visitors & travelers to the United States, Canada or Mexico (including Non-US Citizens & US Citizen expatriates visiting the United States)

Plan Type

Comprehensive Coverage Plan
Plan pays up to a certain percentage of eligible medical expenses.

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Canada and Mexico only

Co-Insurance

After the deductible is satisfied:
Inside PPO Network in the USA: The plan pays 80% of eligible medical expenses
Outside the PPO Network in the USA: The plan pays 60% of eligible medical expenses

How the Benefits are Paid

After the deductible is satisfied:
Inside PPO Network in the USA: The plan pays 80% of eligible medical expenses
Outside the PPO Network in the USA: The plan pays 60% of eligible medical expenses

Deductible Type

Per sickness / injury

Renewability

Can be renewed only before policy expires. $5 renewal fee applies for every renewal.

Cancellation

1) $25 cancellation fee if you cancel before the policy start date.
2) No refund available if requested after the policy start date

PPO Network

First Health Network

Coverage Length

Minimum of 90 days to maximum 360 days (at a time)

Available Deductibles

New Sickness: $500
Pre-Existing Condition: $1,500

Available Coverage

Age 0-69: $150,000
Age 0-69 Pre-Ex: $25,000

Age 70-99: $75,000
Age 70-99 Pre-Ex: $20,000

Provider Directory

First Health Network

Plan Brochure

INF Elite Insurance Brochure brochure

Home Country Definition

U.S. Citizens: Home Country is where the insured person maintains primary residence. Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.

US States Restrictions

No state restrictions

Country Restrictions

No country restrictions

INF Elite Insurance FAQs

Q1: Am I eligible for the INF Elite plan?
Any Non-US residents can apply for the INF Elite Network Plan. This includes Green Card holders, H-1B Visa Holders, Permanent Residents, Students on F1 / F1 Visas, and those on OTP. This plan works for all age groups, from age 0 to age 99+. The INF Elite Network Plan can be used for travel to the United States or Canada.

Q2: What information do I need to purchase the plan?
You will need names, date(s) of birth, passport number/s, home country address and a valid credit card.

Q3: When will I receive my ID card?
After enrolling, you will receive an email confirmation containing an attachment for ID cards, certificate of insurance and visa letter.

Q4. Can I renew the plan if I stay longer?
You are able to renew INF Elite for any amount of time after the initial coverage period. INF will send email, text and phone call reminders to you 1 week & 1 day before the policy expires. There is a $5 renewal administration fee.

Q5. Can I cancel the plan if I return earlier?
You are able to cancel this plan for a full refund (minus a $25 cancellation fee) before the start date of the coverage. Cancellation forms must be completed in writing and faxed to INF at 408-520-4967. Application fees ($15) are non-refundable. After the policy start date, the premium is fully earned and therefore nonrefundable.

Q6. Does this plan cover pre-existing conditions?
The INF Elite plan will cover any pre-existing condition up to the stated amount on the policy. The insured is fully covered for every doctor visit, specialist visit, emergency room, or hospitalization up to the eligible medical maximum set forth in the policy.

Q7. Which doctor or hospital can I go to?
INF Elite is using the First Health PPO Network. This is one of the largest PPO networks in the nation. You can find a list of providers within the PPO network here.

Q8. How do I file a claim?
Anytime you visit a health care provider, even if you do not pay, we strongly suggest you fill out a claim form so the insurance company has a record of your visit to the health care provider & will be able to pay your claim in a timely manner.
Medical Bills & Receipts can be sent to the following address:

Administrative Concepts, Inc. (ACI)
994 Old Eagle School Rd., Suite 1005
Wayne, PA 19087-1706
Toll Free: 888-293-9229 (from inside the U.S.)
Phone: 610-293-9229 (from outside the U.S.)
Fax: 610-293-9299
Web: http://www.visit-aci.com
EDI Payor#: 22384

Q9. Will this plan work in my area?
INF Elite works in all 50 U.S. States, Canada and Mexico.

Q10. Does this plan have sub-limits or cap on occurrences of pre-existing conditions?
No. This plan does not have sub-limit caps for specific pre-existing episodes or caps on occurrences.

Q11. Does this plan require pre-authorization?
No. This plan does not require pre-authorization and there is no penalty is pre-authorization is not sought.

Q12. Does this plan exclude diseases like Urinary Tract, Kidney, or Bladder Infections?
No. This plan does not have exclusions and will provide coverage for the above mentioned diseases.

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.