What is the INF Advantage Plan?
The INF Advantage Plan is a comprehensive pre-existing coverage policy. This plan covers pre-existing conditions in emergency, in-patient hospitalizations. This plan will also cover travel- whether you're transiting through Dubai, London, or Hong Kong, you will be covered. The Advantage plan is great for those with mild pre-existing conditions looking to protect against the burden of a large medical bill caused by a medical event.
The Advantage Plan covers 80% of all eligible medical expenses. Whether you choose to visit and In-Network or Out-of-Network health care provider, the Advantage will continue to provide coverage for 80% of covered medical expenses. The Advantage Plan uses the First Health PPO Network. This means you have access to discounted, pre-negotiated medical rates. Savings can be tremendous. With the Advantage Plan comes Teladoc- a feature which allows you to get medical care from the comfort of your own home. Teladoc 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. The Advantage 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 There is no better acute-onset pre-existing visitors insurance plan on the market. INF Advantage covers ages 0-89, so there is no worry your loved one won't get the coverage they need. With the INF Advantage Plan, you have the peace of mind knowing you are not going to be held liable for massive medical bills in the event something happens to your loved one. INF Advantage plan gives you the peace of mind you need, and the coverage that you want. This plan is proudly underwritten by AXIS Insurance Company, Chicago, IL, USA |
INF Advantage Brochure |
INF Advantage Plan: An Illustration
Jyoti Mehra is a 82 year-old grandmother who lives in Pune. She is traveling to the United States for her daughters 50th birthday celebration. She lands in Seattle and is picked up by her son-in-law, Ramesh. She quickly joins in the festivities, cooking homemade samosas & decorating the ballroom with streamers. The strain on her body from travel takes a toll and she begins to feel lightheaded. Jyoti is taken to an In-Network emergency. She is diagnosed with having low blood sugar and needs to take some rest for a few days. Jyoti is now faced with a bill of $5,000. Luckily, Ramesh had enrolled Jyoti in the INF Advantage Plan. Here's how the costs break down:
Procedure |
Cost |
Discounted Cost w. First Health |
Amount Paid by Insurance (80%) |
Amount Owed by Jyoti |
Hospital Emergency Room |
$2,800 |
$1,500 |
$1,200 |
$300 |
Ambulance |
$800 |
$450 |
$360 |
$90 |
Physician Non-Surgical Treatment |
$900 |
$560 |
$448 |
$112 |
Blood Work - Lab Tests |
$500 |
$180 |
$144 |
$36 |
Total Savings of $4,462 or 89%
As illustrated above, the INF Advantage Plan covered this emergency situation caused by a pre-existing condition. With the INF Advantage Plan, you & your visitor can plan their trip with confidence knowing that when you need coverage, you have it. The INF Advantage Plan is the only comprehensive visitors coverage plan which covers those who are above 70 years old & includes coverage for pre-existing conditions. All other visitors insurance plans cannot provide the comprehensive coverage you need for older visitors. With the INF Advantage Plan, you get the peace of mind you need, and the visitors coverage you want.
**This is for illustration purposes only. Actual coverage depends on each insureds unique circumstances.
INF Advantage Schedule of Benefits |
INF Advantage Coverages |
In-Patient Benefits schedule | All Advantage Policies
Out-Patient Benefits schedule | All Advantage Policies
Other Benefits | All Advantage Policies
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INF Advantage plan | Age 0-69
INF Advantage plan | Age 70-99
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