INF Elite Internationl Visitor Accidnet & Sickness (IVAS) Plan : Frequently Asked Questions
Who is eligible for the INF Elite Network Plan?
Any Non-US Citizen 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.
My dad has high blood pressure & no prior heart issues. If he has a heart attack- is that a pre-existing condition?
No. Even if your father has high blood pressure, a heart attack would be considered a "new sickness" under the INF Elite Plan
Should I add my Visitors Spouse as a Dependent?
If your visitors require the same Insurance for Visitors plan, you can add both of them on the same policy. When adding a dependent on to the policy, it does not diminish the coverage. Rather- both visitors will have the same policy maximum and deductible, separately. For instance, if you enroll in a $100,000 coverage plan with $250 deductible with a primary and dependent, each visitor on the policy will be covered individually up to $100,000 and have their own deductible to meet of $250.
Why should I purchase the INF Elite Network Plan?
The INF Elite Network Plan is INF's flagship comprehensive pre-existing Insurance for Visitors product. This is the Insurance for Visitors which fully covers ALL Pre-Existing Conditions. The Elite Network Plan Plan does not have exclusions like other Insurance for Visitors plans which allow the insurance to reject every claim. The Elite Network Plan will cover ANY In-Patient Hospitalization, ANY Out-Patient doctors visit / specialist care visit related to ANY Pre-Existing condition. This is by far the best Insurance for Visitors product offered on the market.
Who underwrites the Elite Network Plan?
Ace American Insurance Company, a member of the Chubb Group of Companies, is the underwriter for this plan. INF uses U.S. Based underwriting companies to protect policy holders. INF policies regulated by the State Insurance authority. ALL other Insurance for Visitors Plans are underwritten by foreign companies, meaning they are not regulated. This means policy holders do not have ANY recourse for unpaid claims.
Are the Elite Network Plan's Premiums Pro-Rated?
Yes. For example, if you apply for 1 month and 5 days - that is the exact amount you pay for. No more, no less. Rates are based on a 30 day calendar and are prorated on that basis.
Can I Extend the Elite Network Plan?
You are able to Extend the Elite Network Plan for any amount of time after the initial coverage period. We send email, text, and phone call reminders to you 1 week & 1 day before the policy expiration.
Will this plan cover pre-existing conditions?
The Elite Network plan will cover ANY Pre-Existing Condition. This means you & your visitor are fully covered for every doctors visit, specialist visit, emergency room, or hospitalization. Travel with confidence knowing that INF Elite Network Plan will cover you no matter what happens. With a 100% Claims payment rate, you get the peace of mind you need with the coverage you want.
My dad had a stroke 10 years ago. If he has a complication related to this issue- is that pre-existing?
No. Since it is beyond pre-existing consideration period, any complication related to his stoke would be considered "new sickness"
Can I cancel this plan?
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 ($5) are non-refundable. After the policy start date, the premium is fully earned and therefore impossible to refund. Enrolled must attest they did not use INF insurance to obtain any visa nor use for any govermental purpose while cancelling, and absolve INF of any liability for medical expenses while in the United States.
My mom had a bypass surgery 6 months ago. If she has a complication related to this issue- is that pre-existing?
The Elite Network Complications specifically related to the bypass surgery would be considered "pre-existing" and be subject to the pre-existing maximum. However, other heart complications may be considered new sickness, depending on the doctors observation & medical records.
Will the INF Elite Network Plan cover Travel?
The Elite Network Plan covers travel through any stop over. Whether you are transiting through Dubai, London, or Hong Kong, you will have coverage throughout your journey. Travel with confidence, provided by the INF Elite Network Plan.
Why does the INF Elite plan cover $25,000 of pre-existing coverage?
INF Elite pre-existing coverage maximum is for any out-patient care related to pre-existing conditions. All "acute onset" events are new sicknesses if there is no history in the last 12 months, and therefore are subject to the policy maximum of $75,000 or $150,000.
Will this Cover Dental?
Yes. The INF Elite Network Plan comes with the Careington POS Discount Card, which provides Dental savings of up to 50% on many dental procedures. Additional benefits include Vision, Hearing, & Prescription Drug Discount Coverage.
Will this plan work in my area?
Yes. The Elite Network Plan works in all 50 U.S. states and Canada. All INF Plans work in all 50 states. There is no need to worry when you are traveling with an INF Plan.
What's the minimum enrollment for the Elite Network Plan?
The minimum enrollment period for this plan is 30 days. The maximum enrollment period is 1 year from the first date of enrollment.
How do I pay for this Plan?
We accept all major credit card for for payment (Visa, Discover, Mastercard, American Express)
How do I apply for the Elite Network Plan?
We have an online application available where you can apply for this plan. Or, you can reach us at 408-540-3601 and we will be able to help you complete the application over the phone.
Where can I use this Plan?
The Elite Network Plan uses the First Health Provider Network. This is one of the largest PPO networks in the nation member health care providers in every locality. This PPO Network contracts with the Insurance company to provide pre-negotiated, discounted medical rates to insured individuals. Moreover, insureds can take advantage of Direct Billing. No longer will you need to pay hospital bills upfront & then submit claims forms, waiting sometimes months for reimbursement. Instead, the health care provider will bill the insurance directly, meaning your out of pocket expense is limited to your deductible.
When making an appointment with an INF Plan make sure to say the following "I have a short-term accident & sickness insurance plan which uses First Health PPO. Do you accept plans which work with First Health PPO?"
Do not say: "I have INF Visitor Accident & Sickness Insurance" or "I have Ace Insurance" or "I have INF Elite Health Insurnace." Providers WILL NOT recognize this language, and your coverage may not be accepted.
Who do I reach to out about claims questions?
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.)
EDI Payor#: 22384