Optional Add-On Coverages
GlobalFusion is designed to protect individuals and families from the high cost of medical expenses. In addition to tailored coverage packages, GlobalFusion offers a range of several optional add-on coverages and plans. You may review and choose any from the following list that meet your needs. To apply, simply tick the relevant option(s) on your Application Form, and if you are paying by cheque or wire transfer remember to add in the appropriate additional premiums, as outlined in the rate sheets, into the calculation for the total premium due. Please note that these optional add-on coverages must be selected at the time of the initial application and cannot be added at a later date. For further details refer to the applicable Summary Schedule of Cover and Excesses or Policy/Endorsement Wording (available upon request).
Optional Add-on Maternity Coverage
(Bronze, Silver and Gold Plus sub-plans)
Optional Maternity Coverage is available to female applicants for an additional premium on the Bronze, Silver and Gold Plus sub-plans (refer to the rating sheets for further details of the applicable additional premium). Refer to the Summary Schedule of Cover and Excecesses which outlines the optional maternity coverage available.
Optional Add-On Dental Treatment & Vision Care Benefits
(Bronze, Silver and Gold Plus sub-plans)
Optional Dental Treatment and Vision Care Benefits are available for an additional premium on the Bronze, Silver and Gold Plus sub-plans (refer to the rating sheets for further details of the applicable additional premium). Refer to the Summary Schedule of Cover and Excesses which outlines the optional Dental Treatment & Vision Care Benefits available.
Global Personal Accident Plan
While GlobalFusion is designed to provide protection for individuals and families from the high cost of medical expenses, Global Personal Accident Plan provides financial protection and security for families following the accidental death of an insured loved one. The Global Personal Accident Plan also provides cover in the event of an accident which results in your permanent total disablement, total and permanent loss of speech, hearing or sight, total and permanent loss of use of one or more limbs, or second and third degree burns. Cover is provided on a worldwide basis, irrespective of the area of cover you have chosen. Anyone under the age of 70 and approved for a GlobalFusion plan is automatically eligible for a Global Personal Accident Plan at the time of application.
The Global Personal Accident Plan is an optional cover that is purchased in 'blocks of cover' also known as ‘units.’ The maximum number of units you may purchase depends upon your age at the time of application and each subsequent renewal. Applicants aged 31 days through 18 years, and 65 years through 69 years are eligible for one unit of cover. Applicants aged 19 years through 64 years are eligible for up to two units of cover. The second 'supplemental' unit is at a discounted rate to the first 'standard' unit of cover. Child Personal Accident cover is also available at a discounted rate.
| GLOBAL PERSONAL ACCIDENT PLAN |
| Worldwide Cover | | Table of Benefits and Limits per Insured Person as a result of bodily injury caused by Accident | | £GBP | $USD | €Euro | | 1 | Accidental Death Benefit | | | | | -(Adult) Aged 19 years and over | £70,000 per unit | $125,000 per unit | €105,000 per unit | | -(Child) Aged 31 days through 18 years | £5000 maximum | $9000 maximum | €7500 maximum | | 2 | Permanent Total Disablement
(which entirely prevents an insured person from any occupation to which he or she is suited by way of education, training or experience and which lasts 12 months and at expiry of this period is beyond expectation of improvement). | £70,000 per unit | $125,000 per unit | €105,000 per unit | | 3 | Total and permanent loss of sight of one or both eyes | £70,000 per unit | $125,000 per unit | €105,000 per unit | | 4 | Total and permanent loss of use of one or more limbs | £70,000 per unit | $125,000 per unit | €105,000 per unit | | 5 | Total and permanent loss of sight of one eye and one limb | £70,000 per unit | $125,000 per unit | €105,000 per unit | | 6 | Total and permanent loss of hearing in both ears | £10,000 per unit | $18,000 per unit | €15,000 per unit | | 7 | Total and permanent loss of speech | £10,000 per unit | $18,000 per unit | €15,000 per unit | | 8 | Second Degree Burns
(affecting more than 10% of the body surface) | £2500 per unit | $4500 per unit | €3750 per unit | | 9 | Third Degree Burns
(affecting more than 15% of the body surface or more than 50% of the surface of either hand) | £5000 per unit | $9000 per unit | €7500 per unit | |
If an insured person suffers more than one loss for any one accident, we will pay only one benefit amount which is determined to be the highest benefit payable not to exceed the Permanent Total Disablement Benefit limit purchased. Injury or death must result in loss within 12 months after the date of the accident. The Global Personal Accident Plan does not include cover for accidents arising from manual or hazardous occupations, dangerous sports, pursuits or activities, driving or riding on motorcycles, motorbikes or mopeds. If you are unsure, or your occupation is not purely office-based, or you take part in any dangerous sports, pursuits or activities, please give full details on a separate sheet when submitting your Application Form. We will then advise if cover can be granted. War and terrorist risks can not be covered in certain hazardous countries.
Note: This is a summary of cover. It is not considered to be the Policy Wording. Full details of cover, terms, conditions, limitations and exclusions that may affect benefits payable are provided in the Policy Wording (available upon request).
- Persons Aged 19 Years through to 64 Years can choose to purchase either one or two units of cover.
- Persons Aged 31 days through 18 Years, or 65 years through to 69 Years can purchase a maximum of one unit of cover.
Global Daily Indemnity - Hospital Income Plan
As we all know, unfortunately your financial obligations and bills will continue even if you are hospitalised. The Global Daily Indemnity Hospital Income Plan is an excellent way to offset these expenses while you are in the hospital and unable to work. Global Daily Indemnity Hospital Income Plan will pay you a fixed sum direct, for each night you are required to stay overnight as an in-patient in a hospital. The hospital stay must be covered under your plan in order to be eligible for this indemnity, and hospital stays related to pregnancy are not eligible. You may choose to purchase
either one or two units of the benefit payable per day shown.
You may choose to purchase either one or two units of the benefit payable per day shown.
| BENEFIT PAYABLE PER DAY | Maximum of 2 Units of Cover May be Purchased |
Daily Unit of Cover
(Available only between ages 19-69) | £GBP 55/Day | $USD 100/Day | €Euro 83/Day | | Lifetime Maximum Limit (per Unit) | £GBP 14,000 | $USD 25,000 | €Euro 21,000 | |
Note: This is a summary of cover. It is not considered to be the Policy Wording. Full details of cover, terms, conditions, limitations and exclusions that may affect benefits payable are provided in the Policy Wording (available upon request).