What is the Elite Network Plan?
The Elite Network Plan (previously known as CHUBB Network Plan) is INF's flagship visitors insurance plan that helped thousands of families in the past three decades. The plan simply cover 80% of all eligible medical expenses after a low deductible. Elite Network also cover pre-existing conditions and new problems in the same way. This means doctors visits, specialist care (such as cardiologist), and urgent care visits are covered with regards to ANY pre-existing condition. The plan also uses the First Health PPO Network, which allows you to receive discounted, pre-negotiated price for medical treatment. Moreover, Elite Network allows for cashless claims- your out-of-pocket expense is limited to your deductible and 20% after that. This plan is underwritten by CHUBB American Insurance Company, USA.
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Elite Network Plan: An Illustration
Raj Kapoor is an 87 year-old heart patient traveling to the United States to visit his son. During a family outing, Raj begins to feel ill and is taken to an In-Network emergency room where he is treated. Following this episode, Raj visits a doctor regarding the same incident a month later. The family is then presented with a bill for $18,000. Luckily, Raj's son purchased the INF Elite Network Plan. Here's how to cost breaks down after the deductible has been met:
Procedure |
Cost |
Discounted Cost w. First Health |
Amount Paid by Insurance (80%) |
Amount Owed by Raj |
Hospital Room |
$6,000 |
$2,800 |
$2,240 |
$560 |
ECG Scan on Heart |
$3,000 |
$1,100 |
$880 |
$220 |
Surgery |
$6,000 |
$2,000 |
$1,600 |
$400 |
Follow Up Doctor Visits |
$2,000 |
$800 |
$640 |
$160 |
Prescription Drugs |
$1,000 |
$250 |
$200 |
$50 |
Total Savings of $16,610 or 92%
As noted in the previous examples, the INF Elite Network Plan covers not only the initial hospitalization, but the out-patient follow up visits which are necessary after a sudden medical event. Often, when visitors experience a major medical event, follow up visits with specialist doctors are often required. Without insurance, these medical bills can easily become thousands of dollars. INF Elite Network plans provides the comprehensive coverage you need. No other plan will give you the peace of mind knowing you are covered not only during the event, but any hospital visit afterward. No other visitors insurance plan on the market covers your loved ones as well as the INF Elite Network Plan.
What is the First Health Network?The First Health PPO Network is a nationwide group of doctors & hospitals which offer discounted, pre-negotiated rates for medical services. As members of India Network & by enrolling in the INF Elite Network Plan, you are eligible to receive these discounted rates if you seek medical care from an In-Network Provider.
Visiting an In-Network health care provider allows for cashless claims. Typically, visitors insurance plans are not accepted by hospitals or require the policy holder to pay upfront (which could be thousands of dollars) and submit a claims for later. When visiting an In-Network provider, the provider will bill the insurance directly. This means your out-of-pocket expense is limited to the deductible. Learn More |
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Elite Network Plan Description |
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