INF Elite Plus Plan (UHC) For Pre-Existing Medical Conditions
INF Elite Plus is an innovative travel medical insurance plan from INF Visitors Insurance.
Are you planning to travel internationally but worried about pre-existing medical conditions? Parents visiting the USA and you need coverage for them?
INF travel insurance plans are the answer to your questions. The INF Elite Plus travel insurance is a visitors’ insurance plan that offers coverage for pre-existing conditions with no benefit waiting period.
INF Elite Plus International Visitor Accident Sickness Insurance (IVAS) plan is available to non-US residents traveling worldwide outside their home country. Coverage includes for traveling to the USA, Canada, or Mexico.
Key Highlights Of INF Elite Plus:
- INF Elite Plus plan needs to be purchased before departing the home country
- The insurance company of the plan is INF Visitor Insurance & underwritten by Crum & Foster SPC
- The minimum purchase needs to be for 90 days and not more than 364 days
- Offers medical coverage options and non-medical coverage options
- Eligible medical expenses include doctor visits, urgent care visits, preventive and maintenance care
- No Refund After the Policy Start Date and a $15 application fee on top of the premium
- Pre-Existing Coverage: Covers pre-existing conditions apart from a wide range of other medical expenses
- PPO plan offering united healthcare PPO providers access with direct billing option available
- Access to additional Non-Insurance Features when traveling to the USA including:
- The Careington discount program and
- Doctor Please a telehealth app
- Policy maximum option for covered medical services of up to $1,000,000
INF Elite Plus Plan Details
The standout feature of the INF Elite Plus Plan (UHC) is the inclusive coverage of pre-existing conditions. UHC stands for United Healthcare PPO Providers. The plan includes coverage for essential wellness visits, such as routine physicals and vaccinations, and also addresses the financial aspect of healthcare through a partnership with United HealthCare.
INF Elite Plus Plan is the first of its kind to allow visitors to have:
- Preventive care while visiting the United States
- Routine physical examinations (per plan term), which include:
- One routine physical examination
- Laboratory tests
- X-rays
- Other medical expenses related to the examination
Preventive Medical Attention: Immunizations Include:
- Flu Shot
- Tetanus
- Diphtheria
- Pertussis
- Tdap
- Hepatitis A
- Hepatitis B
- HPV
- Measles-Mumps-Rubella
- Pneumonia
- Varicella
- Meningococcal
(As recommended by the U.S. Centers For Disease Control And Prevention only)
The plan is available for ages 0-99. and enrollment can be completed Online. INF Elite plus IVAS plan is not available to US residents and is only available to non-US residents.
In addition to accident and sickness benefits, the INF Elite Plus IVAS plan includes eligible Emergency medical evacuation benefits, Repatriation of Remains Benefits, and Accidental Death and Dismemberment Benefits.
INF Elite Plus Utilizes The United Healthcare Options PPO Network.
INF Elite utilizes the United HealthCare Options PPO Network within the United States. You can choose an in-network or out-of-network provider or facility.
Utilizing a United health care options PPO network Provider or facility has several benefits:
- Your insurance is accepted by most participating providers and facilities
- Providers are likely to bill the IVAS insurance directly (direct billing most of the time)
- You do not have to pay the entire medical bill and wait for reimbursement per the terms of the plan
- Your copays and coinsurance are lower with in-network providers and facilities
- You may save money and hassle when visiting an in-network provider through United Healthcare Options PPO
INF Elite Plus IVAS Plan Coverages
Short-term travel medical coverage insurance plan for Ages 0-99 years old with coverage Duration of 90 days to 364 days. The plan offers a United Healthcare Options PPO network with a direct billing option.
Policy Maximum Limits:
- For Ages 70-99: $75,000, or
- For Ages 0-69: $150,000, $250,000, $300,000, $500,000, $1,000,000
Pre-existing medical conditions coverage included (see plan details for exact details):
- Pre-existing condition coverage:
- For ages 70-99: Up to $20,000
- For ages 0-69: $25,000
- Crum & Foster, SPC underwrites INF Elite insurance portion
INF Elite Plus Non-Insurance Benefits Include:
Access to Telehealth app provided by Doctor Please! (Available while traveling anywhere worldwide).
Access to Careington discount program for Dental, Vision, Hearing, and Prescription Discounts as an add-on at an additional cost for interested members.
INF Elite Plus Travel Insurance, For Pre-Existing Conditions
INF Elite Plus provides coverage for pre-existing condition coverage as per:
- Policy limitations
- Exclusions
- And maximums
- With no benefit waiting period
Maximum Benefits
For Ages 0-69 years:
- $25,000
- Subject to Deductible: $1,500
For Ages 70-99 years:
- $20,000
- Subject to Deductible: $1,500
What Does Pre-Existing Medical Conditions Mean?
As per the INF plans website, pre-existing conditions means an illness, disease, or other condition of the covered person in the 12 months before the covered person’s coverage became effective under the policy:
- First manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or treatment: or,
- Required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription: or,
- Was treated by a doctor or treatment has been recommended by a doctor
This means eligible expenses for out-patient, specialist, urgent care, and in-patient services are covered for pre-existing conditions as well as for new sickness, and accidents after the deductible has been met, for medically necessary covered expenses incurred, up to the policy limits and benefit maximums. Coinsurance may apply.
Plan Benefits Of Elite Plus Travel Insurance
INF Elite Plus IVAS Plan Co-insurance:
- In-network: 90% of the Preferred Allowance
- Out-of-network: 70% of the Usual, Reasonable and Customary (URC) Charges
Urgent Care Visits:
- In-network: Covered with $25 Copay
- Out-of-network: Covered with $50 Copay
Total Maximum For All Accidents or Sickness Expense Benefit Options:
- For ages 0-69 years: $150,000, $250,000, $300,000, $500,000, or $1,000,000
- For Ages 70-99 years: $75,000
Deductible Options:
$100, $250, $500, $1,000, $2,500, or $5,000
Wellness Medical Expense Benefit:
$200 (Annual)
Physiotherapy:
$100 per visit up to a maximum of $1,000
Incurral Period:
90 days after the date of injury/sickness
Maximum Benefit Period:
A covered person’s trip ends, OR 364 days from the date of a covered Accident or Sickness, whichever is earlier
Accidental Death and Dismemberment Benefit:
$25,000
Trip Interruption Benefit:
$1,000
Emergency Medical Evacuation Benefit:
Up to $50,000
Repatriation Of Remains:
Up to $50,000
Maximum Period Of Coverage:
364 days
INF Elite Plus Is Underwritten By:
Crum & Forster SPC, a member of the Crum & Forster Group of Companies with an A.M. Best rated “A”
INF Elite Plus Travel Insurance Reviews
Here is a summary of information related to INF Elite Plus Travel Insurance:
Coverage and Benefits:
INF Elite Plus IVAS Plan is a comprehensive travel medical insurance plan that provides pre-existing condition coverage and preventive care for travelers visiting the United States, Canada, or Mexico.
This plan offers coverage for a wide range of medical services, including wellness benefits like complete physicals, vaccinations, regular bloodwork, and coverage for pre-existing conditions without a waiting period.
It aims to provide financial protection by reducing the financial burden and peace of mind for travelers facing unexpected medical costs during their trip.
INF Elite Plus is a popular travel insurance plan for parents visiting the USA as senior travelers often need pre-existing conditions covered.
Underwriter:
The INF Elite Plus Travel Insurance Plan is underwritten by Crum & Forster SPC, a member of the Crum & Forster Group of Companies with an A.M. Best rated “A”. INF ensures that policyholders are protected by using U.S.-based underwriting companies to provide reliable coverage.
Eligibility and Coverage Area:
The INF Elite Plus Travel Insurance Plan is available for non-U.S. citizens traveling to the United States or Canada. It caters to individuals of all age groups, from 0 to 99 years old, offering coverage during trips to these specific destinations
Premiums And Renewal:
Premiums for the INF Elite Plus Travel Insurance Plan are prorated based on a 30-day calendar, allowing flexibility in payment based on the exact duration of coverage needed.
Policyholders can renew the plan for any amount of time after the initial coverage period, with reminders sent before policy expiration.
INF Elite Plus Plan Limitations
The INF Elite Plus Plan has certain limitations that policyholders should be aware of:
- No Refund After Policy Start Date: Once the policy has started, there is no refund available for the premium paid. Travelers need to consider this before purchasing the plan
- Application Fee: There is a $15 application fee associated with the plan. This fee should be taken into account when budgeting for the overall cost of the insurance coverage
These limitations highlight the need for travelers to carefully review the terms and conditions of the plan to understand the coverage, costs, and any restrictions associated with the insurance policy.
INF Plans
Here is a list of all INF insurance plans, if you have questions or need help in shortlisting a plan that meets your needs then please call +1 855 652 5565 for help from a licensed expert.
Travel Medical Insurance Plans
- INF Elite
- INF Elite Plus
- INF Safe Traveler USA
- INF PremierX
- INF Premier
- INF Premier PlusX
- INF Premier Plus
- INF StandardX
- INF Standard
- Diplomat America
NOTE: INF Elite plan, Traveler, Standard, StandardX. Premier and PremierX are not available to US residents and are only available to Non-US residents
INF Elite Plus Claims Process: How To File A Claim
To file a claim for an INF Elite Plus insurance plan, follow these steps:
Prepare Documentation:
Gather all the necessary documentation related to your claim, including medical bills, receipts, and any other relevant paperwork.
Contact INF:
Reach out to INF Insurance to initiate the claims process. You can contact them through their customer service hotline or online portal.
Submit Claim Form:
Fill out the claim form provided by INF Insurance accurately and completely. Include all required details about the incident, treatment received, and expenses incurred.
Attach Documentation:
Attach all the supporting documents to your claim form. Make sure to include copies of medical bills, receipts, diagnosis reports, and any other relevant paperwork.
Submit Claim:
Send the completed claim form along with the supporting documents to INF Insurance as per their instructions. This can usually be done online, via email, or by mail.
Follow-Up:
After submitting your claim, follow up with INF Insurance to ensure they have received all necessary documents and to inquire about the status of your claim.
By following these steps and providing accurate and complete information, you can effectively file a claim for your INF Elite Plus insurance plan and receive reimbursement for eligible expenses.
Other Travel Insurance Options From Reputed Insurance Providers
Here is a list of the Best Travel medical insurance Plans for 2024:
Comprehensive Coverage Travel Medical Insurance Plans:
Limited Coverage Travel Medical Insurance Plans:
Travel Medical Insurance Plans that offer Pre-existing Conditions Coverage:
Travel Assist Plans
Including plans that provide coverage for pre-existing conditions:
Travel Assistance plans are for non-insurance products available to travelers around the world. Only Hop Mindoro and Hop TripAssist Plus offer coverage for pre-existing conditions.
Conclusion
The INF Elite Plus Travel Insurance Plan offers comprehensive coverage for travelers visiting the United States, Canada, or Mexico, including preventive care and coverage for pre-existing conditions. It is underwritten by a reputable insurance company and provides flexibility in premiums and renewal options for policyholders.
Read the policy document carefully, travel medical insurance only pays for eligible medical expenses and may not cover all incidents.
