Flexible Underwriting
GlobalFusion provides flexible underwriting methods to extend cover to you. Your application may be underwritten via Standard Underwriting or the Flexible Underwriting Option.
Standard Underwriting - All disclosed medical conditions which have not been specifically excluded or restricted by a Personal Medical Exclusion, will be covered after cover has been in effect for 24 continuous months (subject to the foregoing limits and the other terms of the plan).
The Silver, Gold and Gold Plus sub-plans provide a $50,000/£27,500/€33,500 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of $5000/£2750/€3350 per Period of Insurance. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period of continuous cover.
The following illnesses which exist, manifest themselves, or are treated or have treatment recommended prior to or during the first 180 days of cover from the initial effective date are considered pre-existing conditions and are subject to the waiting period and other limitations of cover described above: allergies, asthma, any condition of the breast or the prostate, tonsillectomy, adenoidectomy, haemorrhoids or haemorrhoidectomy, any disorder of the reproductive system, hysterectomy, hernia, intervertebral disc disease, gall stones or kidney stones.
On the Platinum sub-plan, conditions that are fully disclosed on the application and have not been excluded or restricted by a Personal Medical Exclusion will be covered the same as any illness without a requirement for a 24 months continuous cover wait period, and covered up to the policy maximum and not subject to the usual pre-existing medical conditions annual and lifetime sublimits. Conditions, including any complications therefrom, that are not fully disclosed on the application will not be covered.
Flexible Underwriting Option - Where you may have otherwise been declined for cover, the Flexible Underwriting Option allows us to extend cover to you. After 24 months of continuous cover, a pre-existing condition which has not been specially excluded by a Personal Medical Exclusion, will be covered the same as any other pre-existing condition, so long as in that 24 month period no treatment has been received for that condition. If treatment has been sought, then the 24 month period starts over from the treatment date. Treatment includes: 1) Consulted any physician for Medical Treatment or Advice (other than routine check-ups); or 2) Taken medication (including prescription drugs, special diets or injections).
Other Exclusions & Limitations*
- Adult routine physical examinations (health checks / well-being checks) are excluded under the Silver sub-plan, and for the first 12 months for the Gold and Gold Plus sub-plans, and for the first 6 months for the Platinum sub-plan
- Out-patient mental and nervous is excluded for the first 12 months on all sub-plans
- In-patient mental and nervous is excluded under the Silver sub-plan and for the first 12 months for the Gold, Gold Plus and Platinum sub-plan
- Maternity, newborn and congenital disorders (unless the maternity optional add-on coverage or Platinum sub-plan is purchased - see the Summary Schedule of Cover and Excesses)
- Maternity expenses (including prenatal, delivery, postnatal, newborn and congenital disorders) when the pregnancy is a result of fertility treatment
- Devices to correct sight are excluded under the Silver, Gold and Gold Plus sub-plans
- Devices to correct hearing
- Treatment or supplies not medically necessary
- Treatment not ordered or received by a physician
- Treatment by a relative or family member
- Treatment as a result of war or riot
- Treatment resulting from illegal activities
- Organised amateur or professional sports
- Services and treatment eligible for payment by any government or other insurance
- Investigational, experimental or research procedures
- Routine foot care
- Elective cosmetic or plastic surgery
- Drug and alcohol abuse treatment
- Speech therapy
- Custodial care
- Weight modification
- Treatment of impotency
- Contraceptive medication or treatment
- Persons HIV+ at effective date
*This Web page contains only a consolidated and summary description of some of the current benefits, conditions, limitations and exclusions. A Policy Wording containing the full terms, conditions and exclusions will be included in the fulfillment kit. IMG Europe reserves the right to issue the most current Policy Wording for this insurance program in the event this Web page, application and/or booklet has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.