INF Advantage plan details

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Underwriter
AXIS Insurance Company

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Plan Validity
Coverage duration options between 30 and 300 days

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Deductibles
$0,$250, $500, $1,000

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Maximum Coverage
75,000, $150,000

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Acute onset
Yes

Pre-Existing
Yes

Who is eligible?

All non-US citizens & US Expatriate Citizens and their eligible dependents (if coverage has been elected), while visiting the United States. Eligible dependents are any of the following persons while accompanying the Member in the USA: the Member’s legal spouse, and their unmarried dependent children under 17 years old, 30 if a full-time student, who is chiefly dependent on the Covered Person for support. Insurance will continue for any Dependent child who reaches the age limit and continues to meet the following conditions: 1) the child is handicapped, 2) is not capable of self-support and 3) depends mainly on the Covered Person for support and maintenance. A newborn child born of an Covered Person covered under the Policy will be covered for the first 31 days after birth. If adoption, birth or marriage occurs while the Member is covered by this plan, the member will have 31 days within which to pay the required additional premium to enroll any newly eligible dependents for the remainder of the Member’s period of coverage

Coinsurance

Within the First Health PPO Network,: After the deductible is met by the insured person,
the plan pays 80% of eligible medical expenses

Optional coverage for pre-existing conditions

Accidental Death & Dismemberment

$25,000

Policy cancellation and refund

Policyholders can request for a cancellation and refund prior to the effective policy start date.
A $25 cancellation fee will apply. After the policy effective start date, all premium is considered fully earned.

Benefits Coverage
INPATIENCE/OUTPATIENCE
Hospital Room (semi private) and Board and Miscellaneous Hospital Expenses 80% of Covered Network Charges up to the Overall Maximum Benefit
Surgeon Services 80% of Covered Network Charges up to the Overall Maximum Benefit
Assistant Surgeon Expenses 80% of Covered Network Charges up to the Overall Maximum Benefit
Hospital Intensive Care Unit 80% of Covered Network Charges up to the Overall Maximum Benefit
Anesthetist Services 80% of Covered Network Charges up to the Overall Maximum Benefit
Physician’s (non Surgical Inpatient visit) 80% of Covered Network Charges up to the Overall Maximum Benefit
Consultant Doctor, when requested by Physician 80% of Covered Network Charges up to the Overall Maximum Benefit
Physiotherapy Benefits 80% of Covered Network Charges up to the Overall Maximum Benefit
Pre-Admission Tests, when requested by Physician 80% of Covered Network Charges up to the Overall Maximum Benefit
Evacuation Benefits Coverage
Emergency Medical Evacuation
100% of Usual Customary Charges incurred, Up to a maximum of $25,000 max
Acute Onset of Pre-existing Condition prior to age 70 $150,000 maximum-limit
Acute Onset of Pre-existing Condition prior to above 70 $75,000 maximum-limit
Return of Mortal Remains or
100% of Usual Customary Charges incurred, Up to a maximum of $25,000 max
Additional Benefits Coverage
Initial Orthopedic Prosthesis or Brace
80% of Covered Network Charges up to the Overall Maximum Benefit
Chemotherapy and/or Radiation Services 80% of Covered Network Charges up to the Overall Maximum Benefit
Accidental Death & Dismemberment $25,000 principal sum
Complications Arising from Pregnancy & Childbirth 80% of Covered Network Charges up to the Overall Maximum Benefit
Dental Injury Treatment 80% of Covered Network Charges up to the Overall Maximum Benefit
Ambulance Services 80% of Covered Network Charges up to the Overall Maximum Benefit