What is the INF Standard Plan?
The INF Standard Plan is our flagship fixed-benefit visitors insurance plan for new 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 all age groups. This includes individuals who are about 80 years old traveling to USA or Canada.
INF Standard Plan will cover any new sickness or accident. An analysis of our claims data has show that the typical accidents, such as slip & falls, bone fractures, and cuts / bruises costs around $5,000 - $6,500 per incident. Our study also looked at the costs of common illnesses, such as Urinary Tract Infection, which afflicts many older Indians traveling overseas on long-flights. 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. 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 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 proudly underwritten by CHUBB American Insurance Company, USA |
INF Standard Brochure |
INF Standard Plan: An Illustration
Vidhya Kohli is a 92 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. 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 for Vidya. Here's how the costs break down:
Procedure |
Cost |
Discounted Cost w. First Health |
Amount Paid by Insurance |
Amount Owed by Vidhya |
Hospital Emergency Room & ICU |
$7,500 (2 Day) |
$5,500 |
$4,650 |
$850 |
Surgeon & Surgical Supplies |
$12,000 |
$8,000 |
$7,500 |
$500 |
Rehabilitative Braces (Wheel Chair) |
$1,500 |
$950 |
$950 |
$0 |
Prescription Drugs |
$250 |
$100 |
$100 |
$0 |
X-Ray & CAT Scan |
$4,000 |
$2,600 |
$1,750 |
$850 |
Total Savings of $23,050 or 91%
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.
**This is for illustration purposes only. Actual coverage depends on each insureds unique circumstances.
INF Standard Coverages
INF Standard plan | Age 0-69
|
INF Standard plan | Age 70-99+
|
INF Standard Schedule of Benefits
$50,000 Policy Max$100,000 Policy Max$150,000 Policy Max |
In-patient services | $50,000
Out-patient services | $50,000
Other benefits | $50,000
In-patient services | $100,000
Out-patient services | $100,000
Other benefits | $100,000
In-patient services | $150,000
Out-patient services | $150,000
Other benefits | $150,000
|