Insurance for Visitors: Comprehensive vs Limited Plans
INF Visitor Insurance offers two types of Insurance for Visitors: Comprehensive Plans or Limited (Fixed Benefit) Plans:
Limited (Fixed Benefit) PlansKey Features of Fixed Benefit Plans:
Additional Notes:
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Comprehensive PlansKey Features of Comprehensive Plans:
Additional Notes:
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Plan Feature |
Comprehensive Coverage Plan |
Limited Coverage Plans |
Coverage |
These plans provide higher amount of benefits per incident and will provide greater financial security for your & your loved ones. We recommend individuals over the age of 50 & with pre-existing conditions to take these plans. |
These plans offer a limited basic amount of benefits per incident. Although these plans are cheaper, they will not provide a high amount of coverage when you need it. We recommend these plans for individuals who are under the age of 50 & exhibit no pre-existing conditions. |
Benefits |
These plans work with PPO Networks. This gives your 3 distinct advantages: 1) The plan WILL be accepted by an In-Network Provider, 2) The health care provider will bill the insurance directly, reducing your out-of-pocket expense, 3) PPO Network will give discounted, pre-negotiated medical rates to patients |
Basic coverage- this means the amount of benefits to be provided for each specific medical service is pre-determined. Medical expenses are paid as per the schedule of benefits listed in the policy's brochure. |
Plan Acceptance |
These plans will be accepted at any In-Network doctor or hospital. They can also be used at an out-of-network hospital, however, there will be a lower benefits rate (typically 60/40 instead of 80/20). |
These plans will work at any doctor or hospital. That being said- you may run the risk of paying out-of-pocket because the health care provider will not accept the insurance. |
Dental, Vision, and Prescription Coverage |
IINF Plans come with |
INF Plans come with |
Travel Related Coverage |
INF Plans will cover travel |
INF Plans will cover travel |
Rates/Cost |
These plans are higher cost |
These plans are low cost |