GlobalFusion International Medical Insurance

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 three sub-plans that are designed to meet a wide range of differing budgets and needs:

  • Bronze sub-plan - A very affordable "entry" level international major medical plan including emergency medical evacuation and focusing on hospital treatment. Designed to get you to see a consultant or specialist privately and quickly - whether before or after hospital admission (not dependent upon admission), or following out-patient surgery.
  • 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 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.
  • Optional Add-On Coverages - All sub-plans offer additional, optional covers.
    • Global Personal Accident Plan
    • Global Daily IndemnitySM- Hospital Income Plan
    • Dental & Vision Care (Bronze, Silver & Gold Plus sub-plans)
    • Maternity (Bronze, Silver & Gold Plus sub-plans)
  • Three cover areas: Europe*, Worldwide and 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 (15 days on Bronze sub-plans) 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.

*Europe includes the following areas: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Holland, Hungary, Iceland, Ireland, Italy, Jersey, Kazakhstan, Kosovo, Kyrgystan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madiera, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation, San Marino, Serbia, the Slovak Republic, Slovenia, Spain (including the Balearics and Canary Islands), Sweden, Switzerland, Tajikistan, Turkey, Turkmenistan, Ukraine, United Kingdom, Uzbekistan and the Vatican City

Budget and Annual Excess Options
  • Three plan options - The three 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 eight 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 Summary 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, or you can choose to remove your Excess which will increase your premium.
  • 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

Understanding that everyone has a unique medical background, with GlobalFusion we have developed multiple ways to underwrite and 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.

  • Moratorium Underwriting* - For an increased premium compared to Full Medical Underwriting, and without the need to declare your full medical history at time of application, this option provides the Moratorium Underwriting pre-existing conditions benefit as outlined on the Flexible Underwriting and Exclusions page.
  • Full Medical Underwriting* - Allows you to benefit from a lower premium compared to the Moratorium Underwriting option. Your application will be reviewed based on the full disclosure of your medical history that you provide, and this option provides the Full Medical Underwriting pre-existing conditions benefit as outlined on the Flexible Underwriting and Exclusions page.
  • Personal Medical Exclusion* -If required on a Full Medical Underwriting application, 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 that may have resulted in your application being declined. For a nominal recurring administration fee (payable along with your initial and future renewal premiums), 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.
  • Ability to Switch to GlobalFusion -If you are already insured with another medical insurance company, you may still apply to transfer to GlobalFusion and apply for credit for your time insured elsewhere towards similar applicable GlobalFusion wait periods. Your switch to GlobalFusion is subject to terms and our acceptance, so please do not cancel or lapse any existing coverage until we have confirmed your coverage in writing. Contact your broker or IMG Europe for further details and a GloblaFusion Transfer Application Form (available upon request).

For further underwriting information, please refer to Flexible Underwriting.

*Note: That for Bronze Sub-Plans there is no cover for Pre-Existing Medical Conditions irrespective of your choice of Medical Underwriting.