Health Insurance with Full Pre-Existing Coverage.

 Most senior aged people living in the USA have pre-existing conditions ranging from diabetes & high blood pressure, to heart problems & arthritis. INF Health Care offers the only health insurance which fully covers all pre-existing conditions with no medical records required or look-back period. INF Health Care's Premier & Elite Network Plan cover all pre-existing conditions. This means you can live with confidence knowing that you are protected against unknown risk of living with a pre-existing condition. 


Many INF Health Care Members regularly tell us the reason the want full pre-existing coverage is for the peace of mind. Peace of Mind is knowing you won't be in financial ruin because you have Full Pre-Existing Coverage. With pre-existing maximums as high as $60,000 & a 100% claims payment rate, you certainly have peace of mind with INF Health Care.

Full Pre-Existing Visitors Insurance Plans 

INF Elite Network Plan

The INF Elite Network is our flagship comprehensive health insurance plan. This is the best plan in health insurance. The Elite Network Plan covers all pre-existing coverage. Full Pre-Existing  covers all out-patient care, such as doctors visits, urgent care visits, and specialist treatments. Elite Network covers 80% of all eligible medical expenses & works with the First Health PPO Network. This means you have access to discounted, pre-negotiated medical rates & cashless claims.

For example, your visitors recently started experiencing heart pain every now & then. You take your visitor to a cardiologist, who recommends ECG scan. The results come back fine, but now you are left with a bill of $8,000. With the Elite Network Plan, that $8,000 bill is negotiated to $2,000. Then, the cardiologist's office bills the insurance directly- meaning you are only responsible for the deductible (i.e. cashless claims).

The Elite Network Plan also comes with Careington POS Discount Card- which provides Dental, Vision, Prescription, & Hearing Discount Coverage. We provide this discount card (a $40 value) for free to all members!

INF Premier

The INF Premier is our flagship fixed-benefit health insurance plan. This is the best fixed-benefit plan in the market today. The Premier plan covers all pre-existing conditions. Full Pre-Existing coverage differs from Acute Onset Coverage in that Full Pre-Existing covers all out-patient care, such as doctors visits, urgent care visits, and specialist treatments.

For example, your visitor is experiencing lightheadedness and goes for a doctors visit. The doctor orders blood work to be done. It is determined the lightheadedness was due to diabetes. For all other insurance plans you will be stuck paying the bill, which is on average $427.00 . With the INF Premier Plan- you will be covered for the doctors visit & the blood work related to the incident.

The Premier Plan also comes with Careington POS Discount Card- which provides Dental, Vision, Prescription, & Hearing Discount Coverage. We provide this discount card (a $40 value) for free to all members!

Tips on Living with Pre-Existing Conditions by Dr. Nikitha

Members of INF Health Care have told us throughout the years that they mostly worried about their parents experience a major medical event during their travels through the United States. Our resident physician, Dr. Nikitha Mantri, MBBS, has compiled a list of precautions to take while traveling with pre-existing conditions: 

  • Make sure to enroll in a visitors insurance plan which covers all pre-existing conditions (INF Premier or INF Elite Network) 
  • See a doctor to perform a full health check up before traveling to the USA. This will identify any hidden pre-existing conditions 
  • Have a doctor write prescriptions which can be filled in the USA in the event medication for pre-existing conditions runs out
  • Carry Triple the amount of medication needed for the duration of your trip to avoid having to fill prescriptions
  • When traveling, keep the prescriptions in carry-on baggage and in close reach in case it is needed
  • Be mindful of eating habits, sleep, an exercise during your travel. Dr. Nikitha suggests walking about the airplane cabin to avoid leg pain problems
  • Purchase & carry blood pressure / blood sugar monitoring devices for home use to avoid costly doctors visits ​

Related Articles:

© INF Health Care. All Rights Reserved.