INF Insurance Review: INF Premier Insurance

INF Premier Plan categorized as one of the fixed policy of INF insurance. A fixed plan means the plan will pay based on a schedule of benefits. Schedule of Benefits is a list of covered medical services. Next to each item on the list is a dollar amount (maximum benefit). The plan pays only to the listed maximum benefit.

This plan covers worsening pre-existing conditions for issues such as BP, Diabetes, Thyroid, and many other illnesses. In fact – chronic issues which are stable for at least 12 months are covered to the plan maximum. Stable means there were: 1) No symptomatic issues, 2) Sickness visits to the Doctor, or 3) New Prescriptions or changes in the prescription. Even if you have a worsening condition within the past 12 months – INF Premier will still cover, but it will be deemed pre-existing, and subject to a lower policy maximum (20K to 100K) and higher deductible ($1K or $5K)

How does a fixed benefit plan work?

There is a list in the policy called a “Schedule of Benefits”.  This schedule is like a Menu –there are different amounts listed for each covered service.

You can also 100% guarantee a cashless feature of INF Premier plan with a 24/7 Medical Concierge Support,  covers all pre-existing condition aside from Cancer, Vision Sickness (cataract), dialysis, preventive and maintenance care and mental illness (depression and anxiety) which falls under the exclusion of all INF plans including Premier.

Additional Coverage

Aside from pre-existing condition, INF Premier also has a new sickness and accidents coverage that is
subject to its plan maximum. It also provides COVID-19 treatment that you can surely guarantee financially safe against all COVID-19 cost. Additionally, INF Premier also cover acute onset of pre-existing conditions and treated like a new sickness that will be subject to its plan maximum. It also includes dental and vision treatment cause by an accidents.

Another good thing of INF Premier is that, it provides a coverage from 0-99 years old who is planning to visit US, Mexico and Canada with no nationality restrictions. As long as you are a non-US residence or either a green card holder you are eligible to purchase and cover the plan with a minimum enrolment of 90 days and a maximum 364 days.

INF PREMIER HIGHLIGHTS