INF Advantage Comprehensive Insurance for Visitors

The INF Advantage Plan is a comprehensive acute pre-existing (as well as new sickness & accident) coverage policy, with policy maximums of $150,000 (Age 0-69) and $75,000 (Age 70-89) . Advantage covers pre-existing conditions in emergency, In-Patient hospitalizations. Unlike most other Insurance for Visitors plans, Advantage plan has no cap for cardiac benefits, no limit on acute onset occurences, no exclusion for Urinary Tract, Kidney, or Bladder Infections, no exclusions for changes in medication within the last 30 days, & no reduction of benefits if pre-authorization is not sought before treatment.

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. Visitors may use the First Health Provider Network with the Advantage Plan for additional discount on medical services covered by this policy. The result is additional savings any time you use a First Health Network facility, emergency room or physician We also recently cut rates by over 60% to make this plan the best value on the market today.

Enjoy Peace of Mind with $150,000 & $75,000 of Comprehensive Acute Onset Coverage only provided by Advantage. With INF Advantage, you are taking care of your family and your financial security by enrolling in a plan that will cover you in case any catastrophe may happen. Get the coverage you want, and the peace of mind you need.

Additional Benefits

INF Advantage Plan comes with Teladoc- a service 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. Teladoc has no deductible, and can be used for any pre-existing condition, without acute-onset limitation.

The Advantage Plan also comes with the option to opt for the 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 may get savings as much as 50% for Dental procedures! For more information visit our page on the Discount Card Program

This plan is underwritten by AXIS Insurance Company, Chicago, IL, USA

* THE SERVICES DESCRIBED ABOVE ARE NOT INSURANCE AND ARE NOT AFFILIATED WITH AXIS INSURANCE COMPANY

INF Advantage Brochure

INF Advantage Policy Description

INF Advantage Plan: An Illustration

Jyoti Mehra is a 72 year-old grandmother who lives in Pune. She is traveling to the United States for her daughters 50th birthday celebration for 3 months. 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 $44,313. Luckily, Ramesh had enrolled Jyoti in the $75,000 INF Advantage Plan with $1,000 Deductible. Here's how the costs break down:

Procedure	Cost	Cost with First Health Network PPO	Amount Paid by Insurance (80%)	Amount Owed by Jyoti
Hospital Emergency Room	$15,800	$8,260	$6,608	$1,652
Ambulance	$1,800	$928	$742.40	$185.60
Physician Non-Surgical Treatment	$4,460	$2,364	$1,891.20	$472.80
Blood Work - Lab Tests	$22,253	$13,506	$10,804.80	$2,701.20

Total Premium Paid: $771.96 | Total Claims Paid: $20,046.50

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. With the INF Advantage Plan, you get the peace of mind you need, and the visitors coverage you want.

Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations, and exclusions, are set forth in the policy

INF Advantage Schedule of Benefits

INF Advantage Coverages

In-Patient Benefits schedule | All Advantage Policies

Covered Medical Services	In-Patient Medical Benefits
Hospital Room (semi private) and Board and Miscellaneous Hospital Expenses	80% of covered charges up to the overall maximum benefit
Hospital Intensive Care Unit	80% of covered charges up to the overall maximum benefit
Surgeon	80% of covered charges up to the overall maximum benefit
Anesthetist	80% of covered charges up to the overall maximum benefit
Assistant Surgeon	80% of covered charges up to the overall maximum benefit
Physician's non Surgical In-Patient visit	80% of covered charges up to the overall maximum benefit
Consulting Physician Services	80% of covered charges up to the overall maximum benefit
Physiotherapy Benefits	80% of covered charges up to the overall maximum benefit
Pre-Admission Tests	80% of covered charges up to the overall maximum benefit

Out-Patient Benefits schedule | All Advantage Policies

Covered Medical Services	Out-Patient Medical Benefits
Surgeon Services	80% of covered charges up to the overall maximum benefit
Day Surgery Miscellaneous	80% of covered charges up to the overall maximum benefit
Anesthetist Services	80% of covered charges up to the overall maximum benefit
Assistant Surgeon	80% of covered charges up to the overall maximum benefit
Diagnostic X Rays and Lab tests, except Dental X-Rays	80% of covered charges up to the overall maximum benefit
CAT Scan, PET Scan, or MRI tests	80% of covered charges up to the overall maximum benefit
Hospital Emergency Room	80% of covered charges up to the overall maximum benefit
Prescription Drugs	80% of covered charges up to the overall maximum benefit

Other Benefits | All Advantage Policies

Other Covered Services	Other Covered Benefits
Ambulance Services	80% of covered charges up to the overall maximum benefit
Initial Orthopedic Prosthesis or Brace	80% of covered charges up to the overall maximum benefit
Dental Injury Treatment	80% of covered charges up to the overall maximum benefit
Chemotherapy and/or Radiation Services	80% of covered charges up to the overall maximum benefit
Physical and Occupational Therapy	80% of covered charges up to the overall maximum benefit
Private Duty Nursing	80% of covered charges up to the overall maximum benefit
Pregnancy & Childbirth	80% of covered charges up to the overall maximum benefit
Complication(s) of Pregnancy	80% of covered charges up to the overall maximum benefit
Emergency Medical Evacuation	100% of Usual & Customary Charges incurred, Up to a maximum of $25,000 max
Repatriation of Remains	100% of Usual & Customary Charges incurred, Up to $25,000 max
Accidental Death and Dismemberment	$25,000 Principal Sum

INF Advantage plan | Age 0-69

$150,000 Maximum

New Accident & Sickness Deductible	Acute Pre-Ex Maximum	Acute Pre-Ex Deductible
$250	$150,000	$250
$500	$150,000	$500
$1,000	$150,000	$1,000

INF Advantage plan | Age 70-99

$75,000 Maximum

New Accident & Sickness Deductible	Acute Pre-Ex Maximum	Acute Pre-Ex Deductible
$250	$75,000	$250
$500	$75,000	$500
$1,000	$75,000	$1,000

Advantage Plan Description

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THIS INSURANCE DOES NOT COORDINATE WITH ANY OTHER INSURANCE PLAN. IT DOES NOT PROVIDE MAJOR MEDICAL OR COMPREHENSIVE MEDICAL COVERAGE AND IS NOT DESIGNED TO REPLACE MAJOR MEDICAL INSURANCE. FURTHER, THIS INSURANCE IS NOT MINIMUM ESSENTIAL BENEFITS AS SET FORTH UNDER THE PATIENT PROTECTION AND AFFORDABLE CARE ACT. IF YOU DON'T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE ADDITIONAL PAYMENT WITH YOUR TAXES.

U.S. Insurance coverage is underwritten by AXIS Insurance Company. Coverage is subject to exclusions and limitations, and may not be available in all US states and jurisdictions. Product availability and plan design features, including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on local country or US state laws. Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations, and exclusions, are set forth in the policy.

INF Advantage Plan