Plan Detail

Plan Administrator: INF Healthcare | AM Best Rating : "A+" (Superior) | Underwriter: Axis Insurance Company.

• Eligibility: Non US citizen or US Expatriate age 0-89 traveling to USA and traveling outside their home country.
• Coverage Length: Min 30 days up to max 300 days.
• Renew Online: It can be renewed up to 300 days after the initial enrollment period, $5 application fee will charged for re-enrollment.
• Pre-Existing Condition: Policy Maximum-For Policy Maximum $25,000:-$1000;$1500; $1750, For Policy Maximum $50,000:-$1500, $2000,$2500,For Policy Maximum $75,000:-$2500; $3500; $4500, For Policy Maximum 1,00,000:-$3500, $4500; 5500;6500, For Policy Maximum $1,50,000:-$4500; $5500;$6500; $7500, For Policy Maximum $250,000:-$7000; $9000;$13000; 15000.
• Includes Coverage for Dental, Prescription Drug , Vision issues such as eye irritations & Pregnancy & Childbirth (inception must occur after start date).
• PPO Network: Provides First Health PPO Network.
• Includes Telemedicine from Teladoc. Teladoc can be used for Pre-Existing Conditions & has no deductible.
• ID card, Visa Letter, Certificate, & Dental Card are Emailed Instantly.

Examples of Acute Onset of Pre-Existing Condition

EXCLUSIONS

We will not pay benefits for any loss or Injury that is caused by or results from:

• Intentionally self-inflicted injury, suicide, or any attempt while sane or insane.
• Commission or attempt to commit a felony or an assault.
• Commission of or active participation in a riot or insurrection.
• Declared or undeclared war or act of war or any act of declared or undeclared war unless specifically provided by this Policy.
• Flight in, boarding or alighting from, an Aircraft or any craft designed to fly above the Earths surface, except as a fare-paying passenger on a regularly scheduled commercial airline.
• Voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage.
• The Insured Person's intoxication. The Insured Person is conclusively deemed to be intoxicated if the level in his blood exceeds the amount at which a person is presumed, under the law of the locale in which the Accident occurred, to be under the influence of alcohol if operating a motor vehicle, regardless of whether he is in fact operating a motor vehicle, when the injury occurs. An autopsy report from a licensed medical examiner, law enforcement officers report, or similar items will be considered proof of the Insured Persons intoxication.
• An Accident if the Insured Person is the operator of a motor vehicle and does not possess a valid motor vehicle operator's license, unless: (a) the Insured Person holds a valid learners permit and (b) the Insured Person is receiving instruction from a driver's education instructor.
• Injuries compensable under Workers Compensation law or any similar law.
• Operating any type of vehicle or Conveyance while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Insured Person has been provided a written warning against operating a vehicle or Conveyance while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the motor vehicle laws of the state in which the Covered Loss occurred.
• Medical or surgical treatment, diagnostic procedure, administration of anesthesia, or medical mishap or negligence, including malpractice, unless it occurs during treatment of injuries sustained in a Covered Injury.
In addition, We will not pay Covered Medical Services for any loss, treatment, or services resulting from:
• Expenses incurred during travel for the purposes of seeking medical care or treatment, or while on a waiting list for specific treatment or while traveling against the advice of a Physician.
• Expenses incurred within the Insured Persons Home country or country of regular domicile.
• Routine physical or other examinations where there is not objective indications of impairment for normal health or well-baby care.
• Dental treatment, except as the result of Covered Injury to sound, natural teeth as stated in the Rider Schedule.
• Cosmetic or plastic surgery or treatment for congenital abnormalities, except reconstructive surgery as a result of a Covered Injury or Sickness. Correction of a deviated nasal septum is considered cosmetic surgery unless it results from a Covered Injury or Sickness
• Eye refractions or eye examinations for the purpose of prescribing corrective lenses or for the fitting thereof; eyeglasses, contact lenses.
• Hearing examination or hearing aids or other treatment for Hearing Defects and problems. Hearing Defects means any physical defect of the ear which does or can impair normal hearing.
• Treatment by any Immediate Family member or member of the Insured Person's household. Immediate family member means an Insured Person's spouse, child, brother, sister, grandparents or in laws.
• Services, supplies, or treatment including any period of Hospital Confinement which is not recommended, approved, and certified as Medically Necessary and reasonable by a Physician, or expenses which are nonmedical in nature;
• In connection with alcoholism and drug addiction, or use of any drug or narcotic agent unless prescribed by a Physician;
• The commission of a felony offense; 
• Charges for Covered Medical Expenses for which the Insured Person would not be responsible for in the absence of this coverage; 
• Any expense paid or payable by any Other Health Care Plan; 
• Any treatment provided under any mandatory government program or facility set up for treatment without cost to any individual 
• Treatment, services supplies or facilities in: a) a Hospital owned or operated by the Veterans Administration, or b) a national government or any of its agencies (this exclusion does not apply to treatment when a charge is made which the Insured Person is required by law to pay) 
• Elective treatment, exams or surgery; elective termination of pregnancy. 
• Expenses for services, treatment or surgery deemed to be experimental and which are not recognized and generally accepted medical practices in the United States. 
• Expenses payable by any automobile insurance policy without regard to fault. 
• Organ or tissue transplants and related services. 
• Expenses incurred for services related to the diagnostic treatment of infertility or other problems related to the inability to conceive a child, including but not limited to, fertility testing and in-vitro fertilization. 
• Birth control including surgical procedures and devices. 
• Expenses incurred in connection with weak, strained or flat feet, corns, calluses or toenails. 
• Birth defects and congenital anomalies, or complications which arise from such conditions. 
• Related Complex (ARC), or Human Immunodeficiency Virus (HIV) infection, or any illness or disease arising from these medical conditions.  specific named hazards: piloting any aircraft; 
• Expenses incurred for any treatment if the Insured Person is traveling against the advice of a Physician. 
• Expenses incurred after the date insurance terminates for an Insured Person under this Policy 
• Any mental or nervous disorders or rest cures; 
• Duplicates services actually provided by both a certified nurse- midwife and Physician. 
• Expenses payable under any prior Policy which was in force for the person making the claim. 
• Expenses incurred in a Hospital emergency room visit which is not of an emergency nature. 
• Expenses incurred for chiropractic care-outpatient treatment in connection with the detection or correction by manual or mechanical means of structural imbalance distortion or sublimation in the human body for purposes of removing nerve interference and the effects thereof, where such interference is the result of or related to distortion, misalignment or sublimation of or in the vertical column.
• Injury sustained while participating in club, intramural, intercollegiate, interscholastic, professional or semi professional sports.