INF Premier Plan: Frequently Asked Questions
Who is eligible for the INF Premier Plan?
Any Non-US Citizen & US Expatriate can apply for the INF Premier Plan. This includes Green Card holders, H-1B Visa Holders, Permanent Residents, Students on F1 / F1 Visas, those on OTP, and those whose immigration status is not confirmed. This plan works for all age groups, from age 0 to age 99+.
Why should I purchase the INF Premier Plan?
The INF Premier Plan is our flagship fixed benefit pre-existing insurance product. This is the ONLY visitors insurance which fully covers ALL Pre-Existing Conditions. The Premier Plan does not have exclusions like other visitors insurance plans which allow the insurance to reject every claim. The Premier Plan will cover ANY In-Patient Hospitalization, ANY Out-Patient doctors visit / specialist care visit related to ANY Pre-Existing condition. This is by far the best visitors insurance product offered on the market. The Premier Plan has a 100% claims payment record - meaning we've paid 100% of ALL eligible claims during the plans entire history.
Who underwrites the Premier Plan?
CHUBB American Insurance Company based out of Philadelphia, PA is our underwriter for this plan. INF only uses America Underwriters to protect policy holders. Our policies regulated by the State Insurance authority. ALL other Visitors Insurance Plans are underwritten by foreign companies, meaning they are not regulated. This means policy holders do not have ANY recourse for unpaid claims.
Are the Premier Plan's Premiums Pro-Rated?
Yes. For example, if you apply for 1 month and 5 days - that is the exact amount you pay for. No more, no less. Rates are based on a 30 day calendar and are prorated on that basis.
Can I renew the Premier Plan?
You are able to renew the Premier Plan for any amount of time after the initial coverage period. We send email, text, and phone call reminders to you 1 week & 1 day before the policy expiration.
Will this plan cover pre-existing conditions?
The INF Premier plans will cover ANY Pre-Existing Condition. This means you & your family are fully covered for every doctors visit, specialist visit, emergency room, or hospitalization. Travel with confidence knowing that INF Premier Plan will cover you no matter what happens. With a 100% Claims payment rate, you get the peace of mind you need with the coverage you want.
Can I cancel this plan?
You are able to cancel this plan for a full refund (minus a $25 cancellation fee) before the start date of the coverage. Cancellation forms must be completed in writing and faxed to INF at 408-520-4967. Application fees ($5) are non-refundable. After the policy start date, the premium is fully earned and therefore impossible to refund.
Will the INF Premier Plan cover Travel?
The Premier Plan covers travel through any stop over. Whether you are transiting through Dubai, London, or Hong Kong, you will have coverage throughout your journey. Travel with confidence, only provided by the INF Premier Plan.
Will this Cover Dental?
Yes. The INF Premier Plan comes with the Careington POS Discount Card, which provides Dental savings of up to 50% on many dental procedures. Additional benefits include Vision, Hearing, & Prescription Drug Discount Coverage.
Will this plan work in my area?
Yes. The INF Premier Plan works in all 50 states and Canada. All INF Plans work in all 50 states. The Premier Plan also has no network requirement, so you can visit any doctor or hospital/ There is no need to worry when you are traveling with an INF Plan.
What's the minimum enrollment for the Premier Plan?
The minimum enrollment period for this plan is 90 days. The maximum enrollment period is 1 year from the first date of enrollment.
How do I pay for this Plan?
We accept all major credit card for for payment (Visa, Discover, Mastercard, American Express)
How do I apply for the Premier Plan?
We have an online application available where you can apply for this plan. Or, you can reach us at 408-634-0065 and we will be able to help you complete the application over the phone.
Where can I use this Plan?
The Premier Plan can be used at any doctor or hospital. There is no PPO network with this plan, allowing you the flexibility to choose which health care provider you would like to use. Most health care providers will accept this insurance. When making an appointment just say, "I have INF Medical Insurance." When at the health care providers office, supply them with a copy of the insurance certificate & ID card. They will call us to verify the benefits
Who do I reach to out about claims questions?
Anytime you visit a health care provider, even if you do not pay, we strongly suggest you fill out a claim form so the insurance company has a record of your visit to the health care provider & will be able to pay your claim in a timely manner.
Medical Bills & Receipts can be sent to the following address:
Administrative Concepts, Inc. (ACI)
994 Old Eagle School Rd., Suite 1005
Wayne, PA 19087-1706
Toll Free: 888-293-9229 (from inside the U.S.)
Phone: 610-293-9229 (from outside the U.S.)
EDI Payor#: 22384