What is the INF Premier Plan?
The Premier Plan is INF's flagship fixed-benefit visitors insurance plan. This plan covers ALL pre-existing conditions. The Premier Plan is great for anyone who has a heart-condition or is looking to protect against the large medical cost of a medical event.
Typically, when someone is admitted to a hospital, the initial costs are expected to be high. An analysis of our claims data has shown the average heart attack over the past 2 years (2015-2017) was around $7,400. However, our study also looked at medical costs associated with costly medical events after initial admission. Our study found that after the average patient was admitted to the hospital, they visited a doctor or specialist (such as a cardiologist) around 4-5 times before they left. Without insurance, these costs total to more than $5,000! These costs, along with the costs of prescription drugs, rehabilitative care, and medical devices (like a wheel chair) add an additional $2,000 - $3,000 in medical bills! The INF Premier 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 reimbursement. 3) You will have access to discounted medical rates. Save money & hassle when visiting a health care provider with the INF Premier Plan. The Premier 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 No other visitors insurance will cover medical appointments or follow-up appointments related to a pre-existing condition. When you enroll your family with INF Premier Plan- you are not just getting the coverage you need, but the peace of mind you want. This plan is proudly underwritten by CHUBB American Insurance Company, USA |
INF Premier Brochure |
INF Premier Plan: An Illustration
Rahul Kapadia is a 66 year-old grandfather who lives in Surat. He is traveling to the United States for his granddaughters wedding. Rahul had a heart attack, but that was over 10 years ago. He lands comfortably in Newark, and his son Teja picks him up from the airport. Once they reach home, Rahul & family begin the festivities. The next day, Rahul is decorating the house for the mehendi function. While on a ladder hanging up a banner, Rahul feels a sharp pain in his chest and is taken to an emergency room. He is diagnosed with a minor stroke & needed surgery. Rahul needs a wheelchair to get around during the wedding & prescriptions drugs while he is recovering. Rahul is now faced with a bill of $16,600. Thankfully, Teja purchased the $150,000 INF Premier Plan. Here's how the costs break down:
Procedure |
Cost |
Discounted Cost w. First Health |
Amount Paid by Insurance |
Amount Owed by Rahul |
Hospital Room |
$9,560 |
$6,000 (3 Day) |
$5,700 |
$300 |
Surgeon & Surgical Supplies |
$12,280 |
$8,000 |
$7,200 |
$800 |
Rehabilitative Braces (Wheel Chair) |
$2,245 |
$1,000 |
$1,000 |
$0 |
Prescription Drugs |
$800 |
$300 |
$200 |
$100 |
ECG Heart Scan |
$1890 |
$1,200 |
$1,000 |
$200 |
Total Savings of $25,375 or 95%
As illustrated above, the INF Premier Plan will cover any medical event caused by a pre-existing condition. The INF Premier Plan is the only visitors health insurance which covers major medical, and continuing care needed for you loved one after a traumatic medical event. All other visitors insurance only cover the acute onset of a pre-existing conditions- this means once your loved one steps out of the hospital the coverage stops & now you have to foot the bill. With INF Premier Plan, you & your loved ones can travel with confidence with the peace of mind you are covered for the long haul.
**This is for illustration purposes only. Actual coverage depends on each insureds unique circumstances.
**This is for illustration purposes only. Actual coverage depends on each insureds unique circumstances.
INF Premier Coverages
INF PRemier plan | Age 0-69
$100,000 Maximum |
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$150,000
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INF PRemier plan | Age 70-99+
$100,000 Maximum |
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INF Premier Schedule of Benefits
Premier $100,000 Schedule of Benefits
100K PRemier | medical Out-Patient benefits
Covered Medical Services |
Outpatient Medical Benefits |
Surgical Room & Supply Expenses |
Up to $1,100 maximum |
Hospital Emergency |
Up to $500 |
Surgeon |
Up to $5,000 maximum |
Anesthetist |
Up to $1,250 maximum |
Assistant Surgeon |
Up to $1,250 maximum |
Doctor's Non-Surgical Visits |
Up to $100 a visit maximum | 1 visit a day Up to 10 visits |
Diagnostic X-rays & Lab Services |
Up to $650 maximum |
CAT Scan, PET Scan, or MRI Scan |
Up to $650 additional |
Prescription Drugs |
Up to $150 maximum |
100K PREMIER | medical In-Patient benefits
Covered Medical Services |
Inpatient Medical Benefits |
Hospital Room (Average Semi-Private), Board, & Miscellaneous |
Charges up to $1,750 a day maximum Up to 30 days |
Hospital Intensive Care Unit |
Charges up to $750 maximum additional a day | Up to 8 Days |
Surgeon |
Up to $5,000 maximum |
Anesthetist |
Up to $1,250 maximum |
Assistant Surgeon |
Up to $1,250 maximum |
Doctor's Non-Surgical Visits |
Up to $100 maximum a visit, 1 visit a day, to 30 visits |
Consultant Doctor, when requested by attending Doctor |
Up to $450 maximum |
Pre-Admission Tests within 14 days before hospital admission |
Up to $1,100 maximum |
100K Premier | Other covered services
Covered Medical Services |
Outpatient Medical Benefits |
Ambulance Services |
Up to $450 maximum |
Rehabilitative Braces or Appliances |
Up to $1,100 maximum |
Dental Treatment Injury to Sound, Natural Teeth due to an Accident |
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 $45a visit max, 1 Visit a day to 12 visits |
Private Duty Nurse |
Up to $500 maximu |
Pregnancy & Childbirth (Conception must Occur After Policy Effective Date) |
Up to $5,000 maximum |
Medical Evacuation |
$20,000 maximum |
Repatriation of Remains |
$15,000 maximum |
Accidental Death & Dismemberment |
$25,000 |
Intercollegiate Sports |
None |
Premier $150,000 Schedule of Benefits
150K Premier | medical In-Patient benefits
Covered Medical Services |
Inpatient Medical Benefits |
Hospital Room (Average Semi-Private), Board, & Miscellaneous |
Charges up to $1,900 a day maximum Up to 30 days |
Hospital Intensive Care Unit |
Charges up to $850 maximum additional a day | Up to 8 Days |
Surgeon |
Up to $6,000 maximum |
Anesthetist |
Up to $1,500 maximum |
Assistant Surgeon |
Up to $1,500 maximum |
Doctor's Non-Surgical Visits |
Up to $125 maximum a visit, 1 visit a day, to 30 visits |
Consultant Doctor, when requested by attending Doctor |
Up to $500 maximum |
Pre-Admission Tests within 14 days before hospital admission |
Up to $1,200 maximum |
150K PREMIER | medical Out-Patient benefits
Covered Medical Services |
Outpatient Medical Benefits |
Surgical Room & Supply Expenses |
Up to $1,200 maximum |
Hospital Emergency |
Up to $750 |
Surgeon |
Up to $6,000 maximum |
Anesthetist |
Up to $1,500 maximum |
Assistant Surgeon |
Up to $1,500 maximum |
Doctor's Non-Surgical Visits |
Up to $125 a visit maximum | 1 visit a day Up to 10 visits |
Diagnostic X-rays & Lab Services |
Up to $750 maximum |
CAT Scan, PET Scan, or MRI Scan |
Up to $1,000 additional |
Prescription Drugs |
Up to $200 maximum |
150K PREMIER | Other covered services
Covered Medical Services |
Outpatient Medical Benefits |
Ambulance Services |
Up to $500 maximum |
Rehabilitative Braces or Appliances |
Up to $1,200 maximum |
Dental Treatment Injury to Sound, Natural Teeth due to an Accident |
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 a visit max, 1 Visit a day to 12 visits |
Private Duty Nurse |
Up to $550 maximu |
Pregnancy & Childbirth (Conception must Occur After Policy Effective Date) |
Up to $5,500 maximum |
Medical Evacuation |
$25,000 maximum |
Repatriation of Remains |
$20,000 maximum |
Accidental Death & Dismemberment |
$25,000 |
Intercollegiate Sports |
None |