Global Fusion travel medical insurance, International Medical Group (IMG) Global Fusion travel insurance

Global Fusion International Travel Medical Insurance Summary

Global Fusion Medical plan highlights

Flexible, comprehensive medical cover
Cover for individuals, families and groups
Five unique sub-plan designs - Bronze, Silver, Gold, Gold Plus and Platinum
Optional add-on coverages: Dental & Vision Care, Maternity, Global Personal Accident Plan, Global Daily Indemnity, Terrorism, Sports
Choose your area of coverage (Europe, worldwide or worldwide excluding the USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan)
Choice of premium instalment payment/currency options
Multiple underwriting options to fit your needs
Freedom to choose your provider
Access to two extensive provider networks
Emergency Medical Evacuation and other evacuation benefits
Medical Concierge Program within the USA
Medical professionals to coordinate your care
24 hour access to information

Coinsurance ^?

Co-Insurance within the USA & Canada PPO Network: No coinsurance
Co-Insurance outside the USA & Canada: No coinsurance
Co-Insurance Payable by Insured inside the USA & Canada ( When treatment is taken outside the USA & Canada PPO Network* ):
20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance
For Platinum Plan: 10% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance

Global Fusion Medical plan is designed for:

Coverage for individuals, families and groups living or working abroad
Contract employees living and working abroad

Pre-existing Condition

Full medical underwriting: coverage after 24 months continuous coverage for declared and accepted conditions 5,000 USD/2,750 GBP/ 3,350 EUR per period of coverage and 50,000 USD/ 27,500 GBP/33,500 EUR lifetime limit
Moratorium Enrolment: pre-existing conditions will be covered after 24 months continuous coverage subject to 24 months without treatment, symptoms, medication or consultation
Bronze: Not Covered
Platinum: Full cover and no requirement for 24 months continuous coverage.

GlobalFusion Insurance Covid19 coverage for Coronavirus

COVID-19/SARS-CoV-2 shall be considered by the company the same as any other illness or injury, subject to all other Terms and Conditions of this insurance.

GlobalFusion International Medical Insurance - FAQs

The GlobalFusion benefits are very good and the pricing makes it very competitive. The Bronze plan specifically is very strong for those not looking to have any cover for any pre-existing conditions. The plans have a number of optional riders to add on – Dental and Vision being one of these, the Vision benefits have no waiting period, so a member can seek new glasses up to $150 immediately.

Plan details of GlobalFusion International Private Medical Insurance

Eligibility
- GlobalFusion is available to individuals and families of all nationalities.
- USA citizens must reside abroad or plan to leave the USA on their effective date and plan to reside abroad for at least six of the next 12 months. Non-USA citizens may reside anywhere in the world including their home country, although certain eligibility restrictions may apply in respect of cover in the USA.
- Persons between the ages of 14 days and 74 years old may apply for cover. Persons older than 74 years of age are not eligible. Certain other restrictions may also apply.
- Please ask your independent insurance agent or broker for further details, or refer to the GlobalFusion Policy Wording (available upon request).
- Children under the age of 19 applying individually should use the 19-24 age bracket when applying for cover. Each person requesting cover must complete the information required in the application, and all persons applying must be listed on the initial Application Form.
Exclusions and Limitations
- Adult routine physical examinations (health checks / well-being checks) are excluded under the Bronze & Silver sub-plans, 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 on the Bronze sub-plan and for the first 12 months on all other sub-plans
- In-patient mental and nervous is excluded under the Bronze and Silver sub-plans 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
- 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 Bronze, Silver, Gold and Gold Plus sub-plans (unless the Dental Treatment and Vision Care Benefits optional add-on coverage or Platinum sub-plan is purchased - see the Summary Schedule of Cover and Excesses)
- 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

GlobalFusion International Medical Insurance

GlobalFusion International Private Medical Insurance Reviews

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