GlobalFusionSM
GlobalFusionSM

 

Summary Schedule of Cover and Excesses

This Summary Schedule of Cover and Excesses must be read in conjunction with the GlobalFusion Policy Wording (copy available upon request), and all sections and cover are subject to all terms and conditions. Each GlobalFusion sub-plan has a different column to identify the specific limits of cover and sections that are applicable to it.

Your cover is always subject to the overall lifetime maximum sum insured per insured person. Each section of cover is per Insured Person and per Period of Insurance, unless stated otherwise and always subject to the benefits stated for each sub-plan and plan terms, conditions, limitations and exclusions. Please note that sub-limits and Pre-Certification requirements apply within certain benefit sections - refer to the Policy Wording for further details.

All benefit limits and excesses in this Summary Schedule of Cover and Excesses are set in £Sterling, $US Dollar and €Euros. The currency in which you pay your premium being either £Sterling, $US Dollar and €Euros, is the currency that applies to your sub-plan for the purposes of the benefit limits.  "Full Cover" means up to the applicable overall Lifetime Maximum Limit per Individual Insured Person shown in the table below, and is based upon Usual, Reasonable and Customary Eligible Charges.

Click the blue headers for further information.

Global Fusion Benefits All sub-limit sums insured are the maximum per Person, per Period of Insurance unless otherwise stated
Lifetime Maximum Limit Per Individual Insured Person
A
In-Patient & Day-Patient Treatment
B
Out-Patient Treatment, Wellness Benefits and Other Coverages
C
Travel, Transportation and Out Of Area Benefits
D
Dental Treatment & Vision Care Benefits
E
Additional Benefits & Services
F
Maternity
Optional Add-On Coverages
Annual Excess and Co-Insurance

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.