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INF Standard Insurance

ideal for travelers looking for affordable fixed-benefit coverage, especially senior visitors to the U.S.
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What is INF Standard Plan Insurance?

INF Standard Insurance is a fixed-benefit visitor insurance plan for parents and relatives visiting the USA from India and other countries. It covers new medical emergencies that happen after the policy starts, such as sudden illness, accidents, and urgent care visits.

This plan does not cover pre-existing conditions, making it a good option for healthy senior travelers looking for affordable basic medical coverage in the USA. You can compare and buy INF Standard Insurance online through NRIOL .

Why Choose INF Standard Travel Insurance?

INF Standard is a fixed-benefit visitor insurance plan designed specifically for non-U.S. residents traveling to the United States. This plan offers affordable travel medical coverage, making it ideal for short-term visitors seeking basic protection without high premiums.

  • Fixed benefit plan : The plan offers set benefit limits for each covered medical service, helping manage costs while still providing essential coverage for common health needs.
  • Great savings with UHC PPO discounts: Get access to the UnitedHealthcare PPO network, one of the largest and most trusted provider networks in the U.S., with negotiated rates and direct billing for covered services.
  • $25 In-network urgent care copay: Affordable urgent care access for minor injuries or illnesses while traveling.
  • Cashless and direct billing: Enjoy hassle-free billing with providers through INF-Robin Assist and the UHC PPO network, eliminating the need for upfront payments.
  • Worldwide coverage Including the USA: Whether you're in the U.S. or traveling to other countries, you're protected globally.
  • Telehealth & specialist access: Remote medical consultations via Doctor Please and direct billing for specialist visits enhance convenience and access to care.

Who Is Eligible for INF Standard Insurance?

INF Standard Plan Insurance is ideal for international travelers visiting the USA who need reliable and affordable medical coverage. You are eligible if you are:

  • A non-U.S. citizen traveling to the United States for tourism, business, or family visits
  • Eligible for Green Card holders as long as they reside outside the US.
  • On a valid U.S. visa such as B1/B2, H1B/H4, F1/F2, or traveling under the Visa Waiver Program (ESTA)
  • Between the ages of 0 to 99, based on plan-specific age limits
  • If a Green Card holder is already in the US, they need to obtain prior health insurance information, if applicable

Why Choose INF Standard Travel Insurance?

INF Standard is a fixed-benefit visitor insurance plan designed specifically for non-U.S. residents traveling to the United States. This plan offers affordable travel medical coverage, making it ideal for short-term visitors seeking basic protection without high premiums.

  • Fixed benefit plan : The plan offers set benefit limits for each covered medical service, helping manage costs while still providing essential coverage for common health needs.
  • Great savings with UHC PPO discounts: Get access to the UnitedHealthcare PPO network, one of the largest and most trusted provider networks in the U.S., with negotiated rates and direct billing for covered services.
  • $25 In-network urgent care copay: Affordable urgent care access for minor injuries or illnesses while traveling.
  • Cashless and direct billing: Enjoy hassle-free billing with providers through INF-Robin Assist and the UHC PPO network, eliminating the need for upfront payments.
  • Worldwide coverage Including the USA: Whether you're in the U.S. or traveling to other countries, you're protected globally.
  • Telehealth & specialist access: Remote medical consultations via Doctor Please and direct billing for specialist visits enhance convenience and access to care.
  • COVID-19 coverage Included: Stay protected against unexpected COVID-19-related medical expenses during your travel.
  • 24/7 INF-robin assist support: From scheduling doctor appointments to providing real-time guidance, Robin Assist ensures seamless healthcare navigation during your trip.

Can I Cancel the INF Standard Insurance?

  • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes.
  • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
  • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
  • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

INF Standard Plan related links

How Much Does INF Standard X Insurance Cost Per Month in 2026?

The cost of INF Standard X Insurance starts at around $50 and can go up to approximately $415, depending on several factors including the traveler’s age, selected policy maximum, and deductible amount. Older travelers usually pay higher premiums because of increased medical risk. Choosing a higher coverage maximum increases the premium, while selecting a higher deductible can reduce the monthly cost.

  • Age 0–69- available policy maximums are typically $50,000, $100,000, and $150,000.
  • Age 70–99- available coverage options are generally $50,000 or $100,000.

The example below shows the monthly cost of INF Standard X Insurance with a $250 deductible provided through NRIOL Insurance.

Age of traveler Maximum $50,000 Maximum $100,000 Maximum $150,000
18 - 29 years $50 $66 $77
30 - 39 years $54 $72 $84
40 - 49 years $58 $77 $91
50 - 59 years $70 $94 $112
60 - 69 years $77 $105 $125
70 - 79 years $269 $333 Not Available
80 - 99 years $335 $415 Not Available

What Are the Plan Benefits of INF Standard Insurance?

  • Total Maximum Benefit
    $50,000 $100,000 $150,000
    Hospital room (Average Semi-Private), Board, & Miscellaneous help
    Charges up to $1,300 a day maximum Up to 30 days Charges up to $1,750 a day maximum ​Up to 30 days Charges up to $1,900 a day maximum ​Up to 30 days
    Hospital Intensive Care Unit help
    Charges up to $525 maximum additional a day | Up to 8 Days Charges up to $750 maximum additional a day | Up to 8 Days Charges up to $850 maximum additional a day | Up to 8 Days
    Surgeon
    Up to $3,000 maximum Up to $5,000 maximum Up to $6,000 maximum
    Anesthetics
    Up to $750 maximum Up to $1,250 maximum Up to $1,250 maximum
    Surgical Room and Supply Expenses
    Up to $1,000 maximum Up to $1,100 maximum Up to $1,200 maximum
    Doctor’s Non-Surgical Visits
    Up to $60 a visit maximum | 1 visit a day Up to 10 visits Up to $100 a visit maximum | 1 visit a day Up to 10 visits Up to $125 a visit maximum | 1 visit a day Up to 10 visits
    Diagnostic X-rays & Lab Services
    Up to $400 maximum Up to $650 maximum Up to $750 maximum
    CAT Scan, PET Scan, or MRI
    ​Up to $400 additional Up to $650 additional Up to $1,000 additional
    Assistance Surgeon
    Up to $750 maximum Up to $1,250 maximum Up to $1,500 maximum
    Doctor’s Non-Surgical Visits
    Up to $60 maximum a visit, 1 visit a day, to 30 visits Up to $100 maximum a visit, 1 visit a day, to 30 visits Up to $125 maximum a visit, 1 visit a day, to 30 visits
    Consultant Doctor, when requested by attending Doctor
    Up to $400 maximum Up to $450 maximum Up to $500 maximum
    Pre-Admission Tests within 14 days before hospital admission
    Up to $1,000 maximum Up to $1,100 maximum Up to $1,200 maximum
  • Total Maximum Benefit
    $50,000 $100,000 $150,000
    Hospital emergency room
    Up to $350 Up to $500 Up to $750
    Emergency Medical Evacuation Benefit
    Up to $15,000 Up to $20,000 Up to $25,000
  • Total Maximum Benefit
    $50,000 $100,000 $150,000
    Ambulance Services
    Up to $400 maximum Up to $450 maximum Up to $500 maximum
    Rehabilitative braces or appliances:
    Up to $1,000 Up to $1,100 Up to $1,200
    Dental Treatment injury to Sound, Natural teeth (Due to Accident)
    Up to $450. There are no benefits for dental services for immediate relief of pain Up to $500. There are no benefits for dental services for immediate relief of pain Up to $550. There are no benefits for dental services for immediate relief of pain
    Chemotherapy and/or Radiation Therapy
    Up to $1,000 maximum Up to $1,150 maximum Up to $1,250 maximum
    Physical & Occupational Therapy
    Up to $35 a visit max, 1 Visit a day to 12 visits Up to $45 a visit max, 1 Visit a day to 12 visits Up to $50 a visit max, 1 Visit a day to 12 visits
    Private Duty Nurse
    Up to $400 maximum Up to $500 maximum Up to $550 maximum
    Pregnancy & Childbirth (Conception must Occur After Policy Effective Date)
    Up to $4,500 maximum Up to $5,000 maximum Up to $5,500 maximum
    Accidental Death & Dismemberment
    $25,000 Principal Sum $25,000 Principal Sum $25,000 Principal Sum

What Are the Exclusions of INF Standard Plan Insurance?

  • No coverage for pre-existing conditions (including chronic illnesses like diabetes, hypertension, heart disease, etc.)
  • Fixed benefits: Pays set amounts for eligible treatments and services
  • Not valid for U.S. citizens
  • No refunds after policy start date
  • Limited coverage for high-risk activities

INF Standard Plan - Frequently Asked Questions

Is INF Standard a good plan for Indian parents visiting the USA?

Yes, INF Standard is a popular fixed-benefit plan that offers affordable coverage for Indian parents visiting the U.S. This plan offers coverage up to 99 years.

INF Standard is a fixed-benefit travel medical insurance plan designed for foreign visitors to the USA. It offers limited coverage for new and unexpected illnesses or injuries, making it a budget-friendly option for Indian parents and relatives who are generally healthy.

Yes, the plan provides fixed dollar amounts for hospitalization, emergency room visits, doctor consultations, and other services. Coverage is subject to per-service limits, which are outlined in the policy brochure.

Yes. INF Standard is available for Green card holders.

Yes, it's designed to be affordable, especially for older parents (up to age 99), offering a balance of basic protection and budget friendly premiums.

No medical exam is required. Your parents can buy the policy online by providing basic information such as age, passport details, and travel dates.

You can compare and purchase the plan easily through American Visitor Insurance. The online process is simple and fast, and you'll receive your policy documents by email soon after completing your purchase.

INF insurance is available for international visitors to the United States, Canada or Mexico.

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

No. INF Standard does not cover pre-existing conditions, including chronic illnesses like diabetes, high blood pressure, or heart problems. If your parents need coverage for such conditions, you should consider other INF plans like INF Elite or INF Premier.

Yes, INF Standard is a good option for healthy elderly parents who do not have major pre-existing medical issues. It offers basic protection for new, unexpected medical problems like fever, infection, injury, or minor hospitalization during their visit.

You can purchase INF Standard for 30 days up to 364 days, depending on how long your parents or relatives will stay in the U.S.

INF Standard Plan insurance PPO network

INF Insurance - Provider network and how to find hospital or doctor?
United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

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