IMG

GlobalFusion International Medical Insurance

Global Fusion Medical is a long-term travel medical insurance. Global Fusion Medical plan is Flexible, long-term, annually renewable, international medical insurance plan designed for people living or working abroad. GlobalFusion is available to individuals and families of all nationalities. It is avaliable in $USD, £GBP, and €Euro.

GlobeHopper Travel Medical Insurance
Global peace of mind

GlobalFusion International Medical Insurance Reviews

Rating
A-
Plan Life
Lifetime
Deductible
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000
Plan Maximum
$2,500,000, $5,000,000, $8,000,000
Underwriter
Sirius International Insurance Corporation

GlobeHopper Platinum

  • Brochure
  • Benefits
  • Comprehensive Plan

GlobeHopper Travel Medical Insurance

GlobalFusion coverage benefits are very good and the pricing makes it very competitive.
The Bronze plan is very attractive for those not looking to have any cover for any pre-existing conditions.
It has 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.

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
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  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
eligibilityGlobal 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.
  • Eligibility
  • Exclusions and Limitations
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.
exclusion-icon Exclusions and Limitations
  1. 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
  2. Out-patient mental and nervous is excluded on the Bronze sub-plan and for the first 12 months on all other sub-plans
  3. 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.
  4. Maternity, newborn and congenital disorders (unless the maternity optional add-on coverage or Platinum sub-plan is purchased
  5. Maternity expenses (including prenatal, delivery, postnatal, newborn and congenital disorders) when the pregnancy is a result of fertility treatment
  6. 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)
  7. Devices to correct hearing
  8. Treatment or supplies not medically necessary
  9. Treatment not ordered or received by a physician
  10. Treatment by a relative or family member
  11. Treatment as a result of war or riot
  12. Treatment resulting from illegal activities
  13. Organised amateur or professional sports
  14. Services and treatment eligible for payment by any government or other insurance
  15. Investigational, experimental or research procedures
  16. Routine foot care
  17. Elective cosmetic or plastic surgery
  18. Drug and alcohol abuse treatment
  19. Speech therapy
  20. Custodial care
  21. Weight modification
  22. Treatment of impotency
  23. Contraceptive medication or treatment
  24. Persons HIV+ at effective date
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