Flexible International Cover
GlobalFusion is versatile and can be tailored by you from a wide range of flexible options so you can easily design the coverage package that you need. The plan is available worldwide to both expatriates and virtually all local nationals. It also provides comprehensive international coverages suitable for individuals and families, fully portable 24 hour cover and the peace of mind you need. More detailed coverage and service descriptions are provided in the links to the right.
Wide Range of Plans and Options
GlobalFusion offers you a choice from four sub-plans that are designed to meet a wide range of differing budgets and needs:
- Silver sub-plan - Affordable medical security designed for the more budget-conscious consumer and those planning to receive care in lower cost areas of the world. Silver offers a wide range of scheduled coverages equipped to meet your essential needs.
- Gold sub-plan -Ideally suited for those who desire full major medical cover, but for a limited period of time. Gold provides comprehensive coverage levels for the first three years of cover. After three years, certain coverages are reduced (see Summary Schedule of Cover and Excesses). As a result, Gold is priced more competitively than the Gold Plus sub-plan.
- Gold Plus sub-plan - Comprehensive major medical plan designed for people who need long-term cover. Coverage levels continue beyond year three as long as the plan remains in effect.
- Platinum sub-plan - Provides the superior coverage package for the most discerning global consumer. Platinum offers a package of enhanced coverages and services. It is designed for the consumer who wants the convenience of comprehensive medical, dental, and vision benefits all together in one plan.
- Optional Add-On Coverages - All sub-plans offer additional, optional covers.
- Global Personal Accident Plan
- Global Daily IndemnitySM- Hospital Income Plan
- Maternity (Silver, Gold & Gold Plus sub-plans)
- Increased Terrorism Coverage (Platinum sub-plan)
- Sports (Platinum sub-plan)
- Two cover areas: Worldwide or Worldwide Excluding the USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan - You have the opportunity to select the cover area that best reflects your geographic area of need. Each provides full cover, but premiums reflect the cost of care in different parts of the world. You maintain the freedom to choose your own provider anywhere, including your home country, within your area of cover (subject to conditions regarding cover in the USA).
- Worldwide Accident and Emergency Out of Area Cover - Your plan also allows up to 30 days per year restricted worldwide accident and emergency out of area cover outside of your chosen area of cover. This is particularly beneficial if you travel outside your area of cover frequently on short trips or decide to go abroad on holiday.
Budget and Annual Excess Options
- Four plan options - The four sub-plans offer unique, specialised covers while providing varied premium levels and premium instalment options. This allows you the flexibility to stay in line with your financial budget.
- Multiple annual excess options - A standard annual excess is the first amount you contribute each year towards eligible medical costs before any benefits are paid under the plan, irrespective of the number of claims or conditions you may have. To accommodate your financial resources, you can select from seven different annual excess options - all providing different premium levels. Additionally, if you are obtaining treatment in the USA, then in some circumstances your annual excess may be reduced when eligible treatment is received within the USA PPO network or through a Medical Concierge offered provider.
The Schedule of Cover and Excesses identifies the choice of standard annual medical excess that applies to your chosen GlobalFusion sub-plan. You can choose to reduce your premium costs by choosing a larger annual excess. - Family cover - free first year cover for two children under 10 - No matter the sub-plan or cover area you choose, for families where both parents or guardians are insured under a GlobalFusion subplan, two children aged between 14 days and under 10 years are covered at no additional cost for the first year. This is a valuable saving for any budget.
- Choice of premium instalment payment/Currency options - Schedule the frequency of payment that meets your budget: Annual, Semi-Annual, Quarterly, and Monthly. At the time of your initial application you can also choose the currency in which you pay your premium and receive your coverage: $US Dollars, £GB Pounds, or €EU Euros.
Underwriting for Your Needs
We have earned our reputation for excellence in the international community by maintaining the ability to be flexible and respond to our clients’ needs. Understanding that everyone has a unique medical background, with GlobalFusion we have developed multiple ways to administer cover to you - including situations where you may have been declined by other companies.
Your application will be reviewed based on the full disclosure of your medical history that you provide.
- Standard underwriting - Standard underwriting provides the full pre-exisiting conditions benefit as outlined on Flexible Underwriting page.
- Personal Medical Exclusion - If required, by applying a Personal Medical Exclusion Endorsement, in some cases we are able to extend cover for the rest of your eligible medical needs, with the exception of the specific excluded conditions listed in the Personal Medical Exclusion Endorsement. This allows standard pre-existing condition coverage to continue for conditions that are not excluded that may otherwise have resulted in your application being declined.
- Flexible underwriting option - The flexible underwriting option will allow us to extend cover to you even if you have significant, ongoing and/or chronic pre-existing conditions. For a nominal administration fee, cover is extended up to the pre-existing Annual and Lifetime Limits and Sums Insured of cover for a declared and accepted pre-existing condition following 24 months of continuous cover, during which you are symptom, advice or treatment free for that particular condition.
For further underwriting information, please refer to Flexible Underwriting.