INF Elite 90 X Insurance for pre-existing conditions coverage

INF Elite 90 X Travel Insurance

INF Elite 90 X Travel Insurance is a comprehensive travel medical insurance plan that covers for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country. This plan provides coverage for full pre-existing conditions up to 99 years of age, as well as other benefits such as emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and telemedicine. This plan offers coverage for minimum of 90 days up to 364 days. Plan will pays 90% of eligible medical expenses up to the policy maximum inside PPO network and the plan will pay 70% of eligible medical expenses outside of the PPO network after the deductible met for United Healthcare PPO network.

Key benefits of INF Elite 90 X Insurance

calendar_month Minimum enrollment 90 days

ambulance Emergency Medical Evacuation

ecg_heart Full Pre-existing conditions

local_hospitalUrgent Care

medical_services Emergency Dental Treatment

INF Elite 90 X Plan insurance reviews

Policy maximum

Ages 0 to 69 years: $150k $150,000 $250,000 $300,000 $500,000 $1,000,000
Ages 70 to 99 years: $75k

Deductible options

Ages 0 to 69 years: $75 $100 $250 $500 $1k $2.5k $5k
Ages 70 to 99 years: $250 $500 $1k $2.5k $5k

Insurance provider
INF

INF Elite 90 X Plan rating
AM Best Rating: A

INF Elite 90 X Plan underwriter
Underwritten by Crum & Forster SPC

Plan life - 364 days (Minimum Enrolment 90 days)

Coinsurance

In Network - Plan covers 80% of the Preferred Allowance

100%

Out of Network - 70% of Usual, Reasonable & Customary (URC) Charges

70%

INF Elite 90 X Plan Links

Brochures
INF Elite 90 X insurance brochures
View INF Elite 90 X insurance brochures in different age groups

Description document age 0-69

Description document age 70-99
Benefits
Reviews
Claims
Provider Network
Renewal
Cancellation
Comprehensive
Comprehensive
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

INF Elite 90 X Plan insurance - Key Highlights

Covers 90% of eligible medical expenses.
Pre-existing complications from covid-19 covered.
There is a minimum purchase of 90 days required to buy this plan.
Covers all new medical conditions.
Stable pre-existing conditions are covered as new sickness.
Acute onset is considered new sickness.
Urgent care & doctor visit arranged by MeMD.
COVID-19 medically necessary testing & treatment covered as any other new sickness.
$25 In-Network urgent care copay.
Sickness & Accident Plan with 80% in network coinsurance.
VIP airport assistance and 3 free priority pass lounge visits.
INF-Robin Assist can make your appointments 24/7.
Telehealth worldwide via Doctor.
This plan is not available to US residents and is only available to non-US residents.

How Much does INF Elite 90 X Insurance Cost?

INF Elite 90 X insurance starts at $525 for a 3-month period, depending on the traveler’s age, selected coverage maximum, and deductible amount.

The INF Elite 90 X plan costs more for older travelers, as they are more likely to require medical care while visiting the U.S. The premium also increases with a higher policy maximum, while selecting a higher deductible will reduce the premium.

Ages 0–69: Coverage options of $150,000 , $250,000, $300,000, $500,000, $1000,000.
Ages 70–99: Coverage limited to $75,000.

The table below shows a sample 3-month premium for the INF Elite 90 X plan with a $250 deductible. Please note that the minimum enrolment period for this plan is 90 day.

Age of traveler	Maximum $150,000	Maximum $250,000	Maximum $300,000	Maximum $500,000	Maximum $1,000,000
18 – 29 years	$525	$659	$583	$553	$562
30 – 39 years	$636	$799	$708	$671	$682
40 – 49 years	$754	$948	$841	$795	$809
50 – 59 years	$1,112	$1,402	$1,250	$1,174	$1,195
60 – 69 years	$1,584	$2,001	$1,787	$1,675	$1,705

For ages 70 – 79 years the cost is $3,786 for 3 months with medical maximum of $75,000 and deductible $250.
For ages 80 – 89 years the cost is $4,860 for 3 months with medical maximum of $75,000 with deductible $250.

INF Elite 90 X Plan Insurance Summary

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Elite 90 X Plan insurance eligibility

This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
Minimum Enrolment should be 90 days to buy INF Elite 90 Plan.
Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
The member also needs to submit their I-94 form.

INF Elite 90 X Plan - PPO network

INF Elite 90 X Plans - Provider network and how to find hospital or doctor?

Find a network doctor, hospital, lab or health care provider in your area. Health care providers who are in our network have agreed to charge lower prices, which helps lower your health care costs.

local_hospital Find Provider Network

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Plan benefits of INF Elite 90 X health international insurance

Hospital Room (Average Semi-Private), Board, & Miscellaneous	Covered
Hospital Intensive Care Unit	Covered
Surgeon	Covered
Urgent Care Visits	In- Network: Covered with $25 copay Out - Network: Covered with $50 copay
Anesthetist	Covered
Assistance Surgeon	Covered
Doctor’s Non-Surgical Visits	Covered
Consultant Doctor, when requested by attending Doctor	Covered
Pre-Admission Tests within 14 days before hospital admission	Covered

Surgical Room & Supply Expenses	Covered
Surgeon	Covered
Anesthetist	Covered
Assistance Surgeon	Covered
Doctor’s Non-Surgical Visits	Covered
Diagnostic X-rays & Lab Services	Covered
CAT Scan, PET Scan, or MRI	Covered

Emergency local ambulance Covered
Dental Treatment injury to Sound, Natural teeth (Due to Accident) Covered

Repatriation of Remains	Up to $20k
Medical Evacuation	Up to $25k
Accidental Death and Dismemberment	$25k
Incurral Period	90 days after the date of Injury/Sickness
Physiotherapy	$50 per visit up to a maximum of $500
Chemotherapy and/or Radiation Therapy	Covered
Emergency Medical Treatment of Pregnancy	Covered

Pre-existing Conditions	For age 0-69: $25k, $30k, $40k, or $50k Maximum Benefit; subject to a $1.5k, $2k, $2.5k, $5k, or $10k deductibles. Pre-existing Conditions Sub-Limits: $15k Hospital/ICU Room & Board / $15k Hospital Miscellaneous / $15k Surgeries /$7.5k Hospital Emergency / $5k Assistance Surgeon Expenses / $500 Prescriptions For age 70-99: 20k Maximum Benefit; subject to a $1.5k Deductible

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INF Elite 90 X Plan Insurance - Common Questions

Elite 90 Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.

INF Covid19 travel insurance by Elite 90 travel insurance for coronavirus coverage will cover eligible medical expenses resulting from covid19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

INF Elite visitor medical insurance will cover on a per incident (sickness) basis up to the policy maximum. And the deductible is applied per sickness as well. There's no "lifetime maximum" for the plan - theoretically you could go to the hospital 10 times and get $1.5 million in claims.

INF insurance will not cover visitors to US if they are already sick, if a traveller is already in the hospital, expecting to use the insurance, if travelers have scheduled medical procedures, or if travelers are seeking on-going treatment.

If a visitor proceeds to do any of the preceding, it may result in the cancellation of coverage, full refund of the amount paid, and all claims denied. INF has a 5 day waiting period for new sickness / pre-existing coverage if the traveler has already arrived in the United States.