Plan Detail

Plan Administrator: INF Healthcare I AM Best Rating : "A++" I Underwriter: CHUBB American Insurance Company.

• Eligibility: Non US citizen & US Expatriates age 0-99 traveling to USA and traveling outside their home country.
• Coverage Length: Minimum 90 days to 12 months.
• Renew Online: It can be renewed up to 12months after the initial enrollment period,$5 application fee will charged for auto-enrollment.
• Covers all pre-existing conditions: Including any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. Pre-Existing Conditions treated like new sickness.
• Pre-Existing Condition: For Policy Maximum 100,000 (Age 0-69):-$20,000 & $40,000; (Age 70-99):-$15,000 & $25,000; For Policy Maximum 150,000 (Age 0-69):-$30,000 & $60,000.
• $0 Copay for Doctors Visit & Urgent Care using MeMD Telemedicine
• PPO Network: Provides First Health PPO Network.
• Includes Coverage for Dental, Prescription Drug , Vision issues such as eye irritations, Pregnancy & Childbirth (conception must occur coverage start), Chiropractic care & Urinary Tract Infections.
• ID card, Visa Letter, Certificate, & Dental Card are Emailed Instantly.
• Note: This plan is only available for visitors before coming to the USA. If a person is already in the USA and needs to purchase this plan kindly contact us at 510-353-1180

Examples of Covered 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 attempted suicide.
• war or any act of war, whether declared or not.
• a Covered Accident that occurs while a Covered Person is on active duty service in the military, naval or air forceof any country or international organization. Upon receipt of proof of service, we will refund any premium paid forthis time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days.
• piloting or serving as a crew member in any aircraft (unless otherwise provided in the Policy).
• riding in any aircraft except as a fare-paying passenger on a regularly scheduled or charter airline
• commission of, or attempt to commit, a felony.
• sickness, disease, bodily or mental infirmity, bacterial or viral infection, or medical or surgical treatment thereof,except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion ofcontaminated food (Applicable to accident benefits only).
• the Covered Person being legally intoxicated as determined according to the laws of the jurisdiction in which theInjury occurred.
• commission of or active participation in a riot or insurrection.
• In addition, We will not pay Medical Expense Benefits for any loss, treatment, or services resulting from:
• routine physicals and care of any kind.
• routine dental care and treatment.
• cosmetic surgery, except for re constructive surgery needed as the result of an Injury.
• eye refractions or eye examinations for the purpose of prescribing corrective lenses or for the fitting thereof;eyeglasses, contact lenses, and hearing aids.
• services, supplies, or treatment including any period of Hospital confinement which is not recommended,approved, and certified as Medically Necessary and reasonable by a Doctor, or expenses which are non-medicalin nature.
• expenses incurred during travel for purposes of seeking medical care or treatment, or for any other travel that isnot in the course of the Policyholder’s activity (unless Personal Deviations are specifically covered).
• medical expenses for which the Covered Person would not be responsible to pay for in the absence of the Policy.Expenses incurred for services provided by any government Hospital or agency, or government sponsored-planfor which, and to the extent that, the Covered Person is eligible for reimbursement.
• any treatment provided under any mandatory government program or facility set up for treatment without cost toany individual.
• services or expenses incurred in the Covered Person’s Home Country.
• elective treatment, exams or surgery; elective termination of pregnancy.
• expenses for services, treatment or surgery deemed to be experimental and which are not recognized andgenerally 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.
• Preexisting Conditions, unless otherwise provided in the Policy.
• Any expense paid or payable by any other valid and collectible group insurance plan.
• Injury or Sickness for which benefits are paid or payable under any Workers' Compensation or OccupationalDisease Law or Act, or similar legislation, whether United States federal or foreign law.
• Injury sustained while participating in club, intramural, intercollegiate, interscholastic, professional or semi-professional sports.
• expenses incurred for services related to the diagnostic treatment of infertility or other problems related to theinability to conceive a child, including but not limited to, fertility testing and in-vitro fertilization.
• expenses incurred in connection with weak, strained or flat feet, corns, calluses or toenails.
• expenses incurred for birth control including surgical procedures and devices.
• birth defects and congenital anomalies, or complications which arise from such conditions.

• sexually transmitted diseases or immune deficiency disorders and related conditions. This exclusion does notapply to the care or treatment of Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC),or Human Immunodeficiency Virus (HIV) infection, or any illness or disease arising from these medical conditions