INF Advantage Policy Features
program eligibility
Medical Expense benefits
We will pay Medical Expense Benefits for Covered Expenses that result directly, and from no other cause, from a Covered Accident or Sickness.
Benefits are also subject to the following:
Covered medical expenses
Insurance enrollment
Online Enrollment
Enrollment by Fax
Enrollment by Mail
Additional Information
Claims
Claims Procedure
Claims Office
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Pre-existing Condition definition
Policy Maximums
Group policy EFFECTIVE date
Definitions of policy terms
Exclusions
The Company will not pay Covered Medical Services for any loss, treatment or services resulting from the following.
1. employed or retained by the Policyholder; 2. living in the Insured Person’s household; 3. an Immediate Family Member of either the Insured Person or the Insured Person’s Spouse; 4. the Insured Person. If we determine the benefits paid under this Rider are eligible benefits under any Other Health Care Plan, We may seek to recover any expenses covered by the Other Health Care Plan to the extent that the Insured person is eligible for reimbursement. This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit US companies from proving insurance, including but not limited to, the payment of claims. All other terms and conditions of the Policy and this Rider remain unchanged. |
Other Policy Features
europ travel Assistance Services
Europ TRAVEL ASSISTANCE SERVICES
- Europ Assistance can help travelers with medical emergencies by:
- Emergency Medical Evacuation & treatment en-route if necessary
- Repatriation of remains in the event of Insured Persons death
- Medical emergencies and many other services (see web)
- Emergency Medical Evacuation & treatment en-route if necessary
- The Europ Assistance communications network is available 24 hours a day, seven days a week to provide assistance to the Insured Person.
- Inside the United States/Canada call (877) 243-4134
- Outside United States/Canada call collect 240-330-1528
- or email [email protected]
- Inside the United States/Canada call (877) 243-4134
EMERGENCY MEDICAL EVACUATION AND REPATRIATION OF REMAINS BENEFITS
Emergency Medical Evacuation Benefit
- EMERGENCY MEDICAL EVACUATION AND REPATRIATION:
- These Benefits will not be payable unless We (or Our authorized travel assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and
- Services are rendered by Our a travel assistance provider.
- Contact Europ Assistance for these services at (877) 243-4134
- Call collect from outside the United States at (240) 330-1528 (24 hours a day, 7 days a week).
- Email: [email protected]
- These Benefits will not be payable unless We (or Our authorized travel assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and
- EMERGENCY MEDICAL EVACUATION BENEFIT:
- We will pay Emergency Medical Evacuation Benefits as shown for Covered Expenses incurred for the Emergency Evacuation of a Insured Person.
- Benefits are payable up to the Benefit Maximum shown, if the Insured Person suffers a Covered Injury or Emergency Sickness during the course of the Covered Trip that requires Emergency Evacuation.
- We will pay Emergency Medical Evacuation Benefits as shown for Covered Expenses incurred for the Emergency Evacuation of a Insured Person.
Repatriation of Remains Benefit
- REPATRIATION OF REMAINS BENEFIT:
- We will pay Repatriation Benefits up to the Benefit Maximum shown for preparation and return of a Insured Persons body to his or her place of primary residence if he or she dies as a result of a Covered Injury or Emergency Sickness while traveling on a Covered Trip.
Accident death benefit
Accident Death & Dismemberment Indemnity
- ACCIDENTAL DEATH AND DISMEMBERMENT:
- If Injury to the Insured Person results, within 365 days of the date of a Covered Accident, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss.
- The Aggregate Sum is $500,000 as shown. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.
- If Injury to the Insured Person results, within 365 days of the date of a Covered Accident, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss.
Covered Loss |
Benefit Amount |
Loss of Life |
100% of the Aggregate Sum |
Loss of Two or More Hands or Feet |
100% of the Aggregate Sum |
Loss of Sight of Both Eyes |
100% of the Aggregate Sum |
Loss of One Hand and Foot |
100% of the Aggregate Sum |
Loss of One Hand or Foot and Sight in One Eye |
100% of the Aggregate Sum |
Loss of One Hand or Foot |
50% of the Aggregate Sum |
Loss of Sight in One Eye |
50% of the Aggregate Sum |
Exposure and Disappearance |
Included |
Schedule of Benefits
In-Patient Benefits schedule | All Advantage Policies
Covered Medical Services |
Inpatient Medical Benefits |
Hospital Room (semi private) and Board and Miscellaneous Hospital |
80% of covered In-Network charged up to the overall maximum benefit |
Hospital Intensive Care Unit |
80% of covered In-Network charged up to the overall maximum benefit |
Surgeon |
80% of covered In-Network charged up to the overall maximum benefit |
Anesthetist |
80% of covered In-Network charged up to the overall maximum benefit |
Assistant Surgeon |
80% of covered In-Network charged up to the overall maximum benefit |
Physician’s (non Surgical Inpatient visit) |
80% of covered In-Network charged up to the overall maximum benefit |
Consulting Physician Services |
80% of covered In-Network charged up to the overall maximum benefit |
Physiotherapy Benefits |
80% of covered In-Network charged up to the overall maximum benefit |
Pre –Admission Tests |
80% of covered In-Network charged up to the overall maximum benefit |
Out-Patient Benefits schedule | All Advantage Policies
Covered Medical Services |
Inpatient Medical Benefits |
Surgeon |
80% of covered In-Network charged up to the overall maximum benefit |
Day Surgery Miscellaneous |
80% of covered In-Network charged up to the overall maximum benefit |
Anesthetist |
80% of covered In-Network charged up to the overall maximum benefit |
Assistant Surgeon |
80% of covered In-Network charged up to the overall maximum benefit |
Diagnostic X Rays and Lab tests except dental x-rays |
80% of covered In-Network charged up to the overall maximum benefit |
CAT Scan, PET Scan or MRI tests |
80% of covered In-Network charged up to the overall maximum benefit |
Hospital Emergency Room |
80% of covered In-Network charged up to the overall maximum benefit |
Prescription Drugs |
80% of covered In-Network charged up to the overall maximum benefit |
Other Benefits | All Advantage Policies
Covered Medical Services |
Inpatient Medical Benefits |
Ambulance Services |
80% of covered In-Network charged up to the overall maximum benefit |
Initial Orthopedic Prosthesis or Brace |
80% of covered In-Network charged up to the overall maximum benefit |
Dental Injury Treatment |
80% of covered In-Network charged up to the overall maximum benefit |
Chemotherapy and/or Radiation Services |
80% of covered In-Network charged up to the overall maximum benefit |
Physical and Occupational Therapy |
80% of covered In-Network charged up to the overall maximum benefit |
Private Duty Nursing Benefit |
80% of covered In-Network charged up to the overall maximum benefit |
Maternity Benefit |
80% of covered In-Network charged up to the overall maximum benefit |
Notice Information
INDIA NETWORK ACCIDENT AND SICKNESS MEDICAL INSURANCE PROGRAM
Description of Health Insurance Program
This Description of Coverage is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the Policy issued to the Policyholder on Form # AH-15090. The Policy is subject to the laws of the state in which it is issued. Coverage may not be available in all states or certain terms or conditions may be different if required by state law. Please keep this information as a reference.
Patient Protection and Affordable Care Act
Insurance policies providing certain health insurance coverage issued or renewed on or after September 23, 2010 are required to comply with all applicable requirements of the Patient Protection and Affordable Care Act (“PPACA"). However, there are a number of insurance coverages that are specifically exempt from the requirements of PPACA (See §2791 of the Public Health Services Act). CHUBB maintains this insurance is short-term, limited duration insurance and is not subject to PPACA.
CHUBB continues to monitor federal and state laws and regulations to determine any impact on its products. In the event these laws and regulations change, your plan and rates will be modified accordingly.
Please understand that this is not intended as legal advice. For legal advice on PPACA, please consult with your own legal counsel or tax advisor directly.
CHUBB continues to monitor federal and state laws and regulations to determine any impact on its products. In the event these laws and regulations change, your plan and rates will be modified accordingly.
Please understand that this is not intended as legal advice. For legal advice on PPACA, please consult with your own legal counsel or tax advisor directly.
Cancellation Policy
- Refund of premium, less a $25 processing fee, will be considered only if Cancellation Form is received by the India Network Services prior to the effective date of coverage.
- After that date, the premium is considered fully earned and non-refundable.
- All cancellation requests should be submitted by completing the Cancellation Form found under 'Members Area' section of the web pages.
- The form can be faxed to 408-520-4967. Policy changes can not be made under any circumstances once the policy becomes effective.