Global Fusion

Business Health Insurance

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For the group client we offer a specially tailored product that offers 5 different options to suit the needs of the client looking for high quality. The options range from Bronze, Silver, Gold, Gold Plus and Platinum give the client the possibility to chose the coverage that fits the need of the corporate client. You can customise your length and area of cover with the flexibility to select from multiple annual excesses and premium payment instalment options. Depending on the group size we can offer medical history disregarded, enrolling all members in to the insurance without medical assessment.

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Business Health Insurance

Product Highlights

  • 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)
  • Family premium covers first two children aged between 14 days and under 10 years at no additional cost for the first year
  • 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
 
Bronze

Silver
(1st 36 months of continuous coverage)Gold(Beginning the 1st day of the 37th month)Gold

Gold_Plus

Platinum
Surgery, Surgeons, Consultants,

Second Surgical Opinion,

Medical Practitioners, Nurses,

Treatment, Services and

Supplies routinely provided and

Ancillary Charges
100%100%100%100%100%100%
Hospitalisation/Room & Board100%Up to $600 /£350 /€400 per day 240 day Maximum100%Up to $2,250 / £1,250 / €1,500 per day100%100%
Intensive Care Unit100%Up to $1,500 / £850 / €1,000 per day – 180 day per event100%Up to $4,500 / £2,500 / €3,000 per day100%100%
Anaesthetist’s Charges

associated with Surgery
100%20% of Surgery Benefit100%20% of Surgery Benefit100%100%
Diagnostic Tests and

Procedures, X-Rays, Pathology,

& MRI/CT Scans
100%100%100%100%100%100%
Prescribed Drugs, Dressings and Durable Medical Equipment100%100%100%100%100%100%
Reconstructive Surgery-

following an accident or

following surgery for an eligible

condition
100%100%100%100%100%100%
Cancer Tests, Drugs, Treatment

and Consultants, including

cover for Chemotherapy and

Radiotherapy
100%100%100%FULL COVER Except: Radiation & Chemotherapy Treatments (In and Out-patient) limited to $10,000 / £5,500 / €6,700 with a $50,000 / £27,500 / €33,500 Lifetime Limit
100%100%
Physiotherapy100%100%100%100%100%100%
Parental Hospital Accommodation100%100%100%100%100%100%
Prosthetic Devices100%100%100%100%100%100%
Transplants$250,000/£137,500/€167,500 Per Transplant
$250,000/£137,500/€167,500 Per Transplant
$300 / £165 / €200 Per Night 60 nights
$500,000/£275,000/€335,000 Lifetime Limit
$1,000,000/£550,000/€670,000 Lifetime Limit
$2,000,000/£1,100,000/€1,340,000 Lifetime Limit
State Hospital Cash Benefit (when inpatient benefits received free of charge)$300 / £165 / €200 Per Night 60 nights


$300 / £165 / €200 Per Night 60 nights
$300 / £165 / €200 Per Night 60 nights
$300 / £165 / €200 Per Night 60 nights
$300 / £165 / €200 Per Night 60 nights
$300 / £165 / €200 Per Night 60 nights
 
Bronze

Silver
(1st 36 months of continuous coverage)Gold(Beginning the 1st day of the 37th month)Gold
Gold_Plus

Platinum
Out-Patient including: Family Doctor, Treatment and Referrals, Specialists and Consultants, X-Rays, Pathology, Diagnostic Tests and Procedures

*not dependent upon admission
No Family Doctor Cover<br />
<br />
Specialists & Consultants:<br />
Up to $500 / £275 / €335 Prior to admission*, then<br />
<br />
up to $500 / £275 / €335<br />
<br />
following related Out-Patient Surgery or In-Patient treatment: for 90 days after leaving hospital<br />
<br />
Including Pre* & Post Hospital: $250 / £140 / €170 X-Ray per Examination Maximum Limit;<br />
<br />
$300 / £165 / €200 Lab Tests per Examination Maximum Limit25 Visit Maximum<br />
<br />
Maximums Per Visit/ Examination: $70/ £40 / €50 Doctor/ Specialist;<br />
<br />
$60 / £35 / €40 Psychiatrist;<br />
<br />
$50 / £30 / €35 Chiropractor;<br />
<br />
$250 / £140 / €170 X-Ray per Examination Maximum Limit;<br />
<br />
$500 / £275 / €335 Surgery Intervention Consultation;<br />
<br />
$300 / £165 / €200 Lab Tests per Examination Maximum Limit100%<br />
FULL COVER Except: $150 / £85 / €100 Physician Charges Maximum per Visit;<br />
<br />
Hospital Charge $100 / £55 / €67 Co-Pay unless admitted;<br />
<br />
Urgent Care Facility - $25 / £15 / €20 Co-Pay;<br />
<br />
Diagnostic Lab and X-Rays limited to $5,000 / £2,750 / €3,350 per Period of Insurance<br />
100%100%
Emergency Room Illness, Waived if admitted as an In-Patient or Day-Patient (Additional $250/£138/€168 Excess if not admitted)0%100%100%100%100%100%
Emergency Room Accident0%100%100%100%100%100%
Supplemental Accident Benefit0%0%$300 / £165 / €200 per covered accident<br />
$300 / £165 / €200 per covered accident<br />
$300 / £165 / €200 per covered accident$500 / £275 / €335 per covered accident
Out-Patient Surgery100%100%100%100%100%100%
MRI, CAT Scan Echocardiography, Endoscopy, Gastroscopy Colonoscopy, Cystoscopy$600 / £330 /€400 Maximum Per Examination$600 / £330 /€400 Maximum Per Examination100%100%100%100%
Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy100%100%100%FULL COVER Except: Radiation & Chemotherapy Treatments (in and out-patient) limited to $10,000 / £5,500 / €6,700 with a $50,000 / £27,500 / €33,500 Lifetime Limit100%100%
Prescribed Out-Patient Drugs, Medicines, Dressings and Durable Medical EquipmentUp to $600 / £330 /€400 Following and in relation to In-Patient/Day-Patient Treatment or Out-Patient Surgery: for 90 days after leaving hospital<br />
100%100%Up to $5,000 / £2,750 / €3,350100%100%Outside USA : FULL COVER Inside USA : FULL COVER and must use the Out-Patient Prescription Drug Card. A Co-Pay:$20 for generic, $40 for brand name where generic is not available and Not Subject to Annual Excess or Co-Insurance when using the Out-Patient Prescription Drug Card. No coverage if the Out-Patient Prescription Drug Card is not used<br />
Physiotherapy, Homeopathic, Chiropractic Therapy and Osteopathic TherapyPhysiotherapy Only: Relating to In-Patient/Day-Patient Treatment, Out-Patient Surgery<br />
<br />
Up to $40 / £25 / €30 per visit<br />
<br />
10 visit Maximum:<br />
<br />
for 90 days after leaving hospitalUp to $40 / £25 / €30 per visit<br />
<br />
30 visit MaximumUp to $50 / £30 / €35 per visit<br />
<br />
Maximum of 1 visit per day<br />
<br />
45 visit MaximumUp to $50 / £30 / €35 per visit<br />
<br />
Maximum of 1 visit per day<br />
<br />
30 visit Maximum<br />
<br />
Up to $1,000 / £550 / €670 per Period of Insurance<br />
<br />
$10,000 / £5,500 / €6,700 Lifetime LimitUp to $50 / £30 / €35 per visit<br />
<br />
Maximum of 1 visit per day<br />
<br />
45 visit MaximumUp to $50 / £30 / €35 per visit<br />
<br />
Maximum of 1 visit per day<br />
<br />
60 visit Maximum
Complementary Medicine Acupuncture, Aroma Therapy, Herbal Therapy, Magnetic Therapy, Massage Therapy, Vitamin Therapy, Traditional Chinese Medicine0%0%Up to $200 / £110 / €135Up to $200 / £110 / €135Up to $200 / £110 / €135Up to $200 / £110 / €135
AIDS/HIV Treatment0%0%Up to $5,000 / £2,750 / €3,350 per Period of Insurance $50,000 / £27,500 / €33,500 Lifetime LimitUp to $5,000 / £2,750 / €3,350 per Period of Insurance $50,000 / £27,500 / €33,500 Lifetime LimitUp to $5,000 / £2,750 / €3,350 per Period of Insurance $50,000 / £27,500 / €33,500 Lifetime LimitUp to $5,000 / £2,750 / €3,350 per Period of Insurance $50,000 / £27,500 / €33,500 Lifetime Limit
Home Nursing Care30 Days Limit: Up to $150 / £85/ €100 per visit30 Days Limit: Up to $150 / £85/ €100 per visit<br />
45 Days Limit: Up to $150 / £85 / €100 per visit<br />
30 Days Limit: Up to $150 / £85/ €100 per visit45 Days Limit: Up to $150 / £85/ €100 per visit60 Days Limit: Up to $150 / £85/ €100 per visit
Rehabilitation0%0%100%Full Cover Up to 90 Days100%Full Cover Up to 45 Days100%Full Cover Up to 90 Days100%Full Cover Up to 180 Days
Extended Care Facility0%100%Full Cover Up to 30 Days100%Full Cover Up to 90 Days100%Full Cover Up to 90 Days100%Full Cover Up to 90 Days100%Full Cover Up to 180 Days
Hospice Care0%0%No Cover100%Full Cover Up to 180 Days100%Full Cover Up to 90 Days100%Full Cover Up to 180 Days100%Full Cover Up to 180 Days
Adult Wellness and Health Check
- includes Hearing Test, Sight Test and Vaccinations/Inoculations
(Not subject to Annual Excess or Co-Insurance)

- After 12 months continuous coverage (6 months on Platinum)
0%0%<br />
Up to $250 / £140 / €170 Available for those 30 years of age and over<br />
Up to $250 / £140 / €170 Available for those 30 years of age and overUp to $250 / £140 / €170 Available for those 30 years of age and overUp to $500 / £275 / €335 Available for those 18 years of age and over
Child Wellness and Health Check (Under 18 years of age)
- includes Hearing Test, Sight Test and Vaccinations/Inoculations (Not subject to Annual Excess or Co-Insurance)

- After 12 months continuous coverage (6 months on Platinum)
0%3 visits per Period of Insurance Up to $70 / £40 / €50 per visitUp to $200 /£110 / €135Up to $200 /£110 / €135Up to $200 /£110 / €135Up to $400 / £220 / €270
Pre-Existing Medical Conditions

Full Medical Underwriting Option*:
- After 24 months continuous cover
- Declared and Accepted conditions (unless otherwise excluded or terms applied as indicated otherwise in writing)

- Flexible Underwriting Option available – referFlexible Underwriting pagefor detail.
0%Up to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime LimitUp to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime LimitUp to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime LimitUp to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime Limit100%Full Cover No requirement for 24 months continuous cover
Moratorium Enrolment & Underwriting Option*
- After 24 months continuous coverage: subject to 24 months without treatment, symptoms, medication or consultation*

- Available to insureds up to age 54
0%100%100%100%100%100%
Newly Diagnosed Chronic Conditions100%100%100%100%100%100%
Mental/Nervous - After 12 months continuous coverage0%Out-Patient Only - See Section B1Up to $10,000 / £5,500 / €6,700<br />
<br />
$50,000 / £27,500 / €33,500 Lifetime LimitUp to $2,500 / £1,375 / €1,675<br />
<br />
25 days In-Patient Limit<br />
<br />
20 visit Out-Patient Limit at 70% eligible expenses, up to $75 / £42 / €51 per visit;<br />
<br />
$30,000 / £16,500 / €20,100 Lifetime LimitUp to $10,000 / £5,500 / €6,700<br />
<br />
$50,000 / £27,500 / €33,500 Lifetime LimitUp to $50,000 / £27,500 / €33,500 Lifetime Limit

*Cover in respect of Pre-Existing Conditions is as selected at time of application and identified on your Certificate of Insurance. Refer to page 23 for further details and Policy Wording for full Policy definitions, terms, conditions and restrictions.

 
Bronze

Silver
(1st 36 months of continuous coverage)Gold(Beginning the 1st day of the 37th month)Gold
Gold_Plus

Platinum
Emergency Local AmbulanceUp to $1,500 /£825 / €1000 per event Not subject to Annual Excess or Co-InsuranceUp to $1,500 /£825 / €1000 per event Not subject to Annual Excess or Co-Insurance100%Up to $100 / £55 / €70 per event Not subject to Annual Excess or Co-Insurance100%100%
Emergency Evacuation and Transportation To the Nearest Suitable Hospital FacilityUp to $50,000 / £27,500 / €33,500 Not subject to Annual Excess or Co-InsuranceUp to $50,000 / £27,500 / €33,500 Not subject to Annual Excess or Co-Insurance100% FULL COVER Not subject to Annual Excess or Co-InsuranceUp to $250,000 / £137,500 / €167,500100% FULL COVER Not subject to Annual Excess or Co-Insurance100% FULL COVER Not subject to Annual Excess or Co-Insurance
Accompanying Relative, Travel and Accommodation0%0%$10,000 / £5,500 / €6,700 Lifetime Limit$10,000 / £5,500 / €6,700 Lifetime Limit$10,000 / £5,500 / €6,700 Lifetime Limit$10,000 / £5,500 / €6,700 Lifetime Limit
Cremation/Burial or Return of Mortal Remains$10,000 / £5,500 / €6,700 Lifetime Limit Not subject to Annual Excess or Co-Insurance$25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance$25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance$15,000 / £8,250 / €10,050 Lifetime Limit Not subject to Annual Excess or Co-Insurance$25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance$50,000 / £27,500 / €33,500 Lifetime Limit Not subject to Annual Excess or Co-Insurance
Remote Transportation - for additional transport for on-going Treatment once stabilised0%0%0%0%0%Up to $5,000 / £2,750 / €3,350 $20,000 / £11,000 / €13,400 Lifetime Limit
Security & Political Evacuation & Repatriation 0%0%0%0%0%$10,000 / £5,500 / €6,700 Lifetime Limi
Worldwide Accident & Emergency Out of Area Coverage (USA Treatment Must Be within PPO Network)15 Days Maximum30 Days Maximum30 Days Maximum30 Days Maximum30 Days Maximum30 Days Maximum
 ______________
Optional Add-On Coverage<br />
Additional Premium Applies* <br />
Coverage is issued via a Dental & Visions Care Coverage Endorsement<br />
Sections D1 & D2 above are replaced with:Dental Coverage Included – See Below
Emergency Dental Due to Accident100%100%
Emergency Dental due to Sudden Unexpected Pain To Sound Natural TeethUp to $100 / £55 / €70As above
Non-Emergency Dental Sections D3, D4 & D5 Combined: i) Calendar Year Maximum Sum Insured ii) Dental Annual Excess iii) Maximum Annual Excesses per Family per Calendar Year - After 6 months continuous coveri) $750 /£425 /€500;<br />
ii) $50 / £30 / €35 <br />
iii) 2i) $750 /£425 /€500; ii) $50 / £30 / €35 iii) 2
Class I Treatment*:
- Preventative & Diagnostic - Emergency Palliative Treatment - includes up to two dental check ups per calendar year to include scraping, cleaning and polishing - After 6 months continuous cover *Refer To Policy Wording for Full Details & Listing
90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived
Class II Treatment*:
- Radiographs & X-Rays - Oral Surgery & Extractions - Routine Compound Fillings, Restorations, Re-cementing crowns, inlays and bridges & Prosthetic Repairs - Endodontics & Root Canals - Periodontics & Gum Disease - Minor Restorative Services - After 6 months continuous cover *Refer To Policy Wording for Full Details & Listing
70% Coverage, after Dental Annual Excess70% Coverage, after Dental Annual Excess
Class III Treatment*: - Prosthodontic Services including: appliances, bridges, full and partial dentures that replace missing natural teeth that were extracted while the person is covered with this Plan. - Major Restorative Treatment including: Crowns, Jackets, gold-related services required when teeth can not be restored using other filling material. - After 6 months continuous cover * Refer To Policy Wording for Full Details & Listing50% Coverage, after Dental Annual Excess50% Coverage, after Dental Annual Exces

* Refer To Policy Wording/Endorsement for Full Details &amp; Listing

   
Optional Add-On Coverage<br />
Additional Premium Applies*<br />
Coverage is issued via a Dental & Visions Care Coverage Endorsement<br />
Sections D1 & D2 above are replaced with:Vision Care Coverage Included<br />
<br />
- See Below
Vision Care
Not subject to Annual Excess or Co-Insurance
(Benefit payable per 24 months)
Exams – up to $100 / £55 / €70<br />
Materials – up to $150 / £85 / €100Exams – up to $100 / £55 / €70<br />
<br />
Materials – up to $150 / £85/ €100

*Refer To Policy Wording/Endorsement for Full Details &amp; Listing

 
Bronze

Silver
Gold
(1st 36 months of continuous coverage)
(Beginning the 1st day of the 37th month)Gold
Gold_Plus

Platinum
High School Sports Injury0%0%0%0%0%Up to $20,000 / £11,000 / €13,400
Recreational Scuba0%0%100%100%100%100%
Medical Information Service0%0%0%0%0%100%
Global Concierge & Assistance Services0%0%0%0%0%100%
24 Hour Emergency Helpline100%100%100%100%100%100%
 
Bronze

Silver
(Beginning the 1st day of the 37th month)Gold(1st 36 months of continuous coverage)Gold
Gold_Plus

Platinum
Maternity - Only available to Female Insureds - After 10 months of continuous cover

*All benefits reduced by 50% for births occurring in the 11th or 12th month of continuous coverage
Optional Add-On Coverage<br />
Additional Premium Applies*Optional Add-On Coverage<br />
Additional Premium Applies*Optional Add-On Coverage<br />
Additional Premium Applies*Optional Add-On Coverage<br />
Additional Premium Applies*Optional Add-On Coverage<br />
Additional Premium Applies*Maternity Coverage Included<br />
– See Below
Maternity Annual ExcessSection F1 & F2 : Not subject to Annual Excess or Co-InsuranceSection F1 & F2 : Not subject to Annual Excess or Co-InsuranceSection F1 & F2 : Not subject to Annual Excess or Co-InsuranceSection F1 & F2 : Not subject to Annual Excess or Co-InsuranceSection F1 & F2 : Not subject to Annual Excess or Co-Insurance$1,000 / £550 / €670 Maternity Annual Excess <br />
<br />
(Annual Excess Does Not Apply)
Lifetime Maximum*$50,000 / £27,500 / €33,500 Lifetime Limit*$50,000 / £27,500 / €33,500 Lifetime Limit*$50,000 / £27,500 / €33,500 Lifetime Limit*$50,000 / £27,500 / €33,500 Lifetime Limit*$50,000 / £27,500 / €33,500 Lifetime Limit*$50,000 / £27,500 / €33,500 Lifetime Limit
Normal Delivery - Including Premature Birth Treatment, Pre, Post and Routine Natal Care*Up to $5000 / £2750 /€3350*Up to $5000 / £2750 /€3350*Up to $5000 / £2750 /€3350*Up to $5000 / £2750 /€3350*Up to $5000 / £2750 /€3350Included within and up to Lifetime Limit
C-Section*Up to $7500 / £4125 / €5025*Up to $7500 / £4125 / €5025*Up to $7500 / £4125 / €5025*Up to $7500 / £4125 / €5025*Up to $7500 / £4125 / €5025Included within and up to Lifetime Limit
New Born Baby Wellness
- Not subject to Annual or Annual Maternity Excess or Co-Insurance
- for the first 12 months of life
$200 /£110 / €134$200 /£110 / €134$200 /£110 / €134$200 /£110 / €134$200 /£110 / €134$200 /£110 / €134
Cover for New Borns including non-hereditary birth defects and congenital abnormalities*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days
 
Bronze

Silver
Gold
(1st 36 months of continuous coverage)
(Beginning the 1st day of the 37th month)Gold
Gold_Plus

Platinum
High School Sports Injury0%0%0%0%0%Up to $20,000 / £11,000 / €13,400
Recreational Scuba0%0%100%100%100%100%
Medical Information Service0%0%0%0%0%100%
Global Concierge & Assistance Services0%0%0%0%0%100%
24 Hour Emergency Helpline100%100%100%100%100%100%
(Upon selection at initial Application and subject to additional premium)
Bronze

Silver
(1st 36 months of continuous coverage)Gold(Beginning the 1st day of the 37th month)Gold
Gold_Plus

Platinum
Terrorism Coverage Add-On
Increases coverage from $10,000 / £5,500 / €6,700 Lifetime Limit to:
0%0%0%0%0%$50,000 / £27,500 / €33,500 Lifetime Limit
Sports Coverage* Coverage Add-On
i) Listed Extreme Sports
ii) Amateur Sports *Non-Professional
0%0%0%0%0%i) $25,000 / £13,750 / €16,750 Lifetime Limits<br />
ii) $10,000 / £5,500 / €6,700 Lifetime Limit
 
Bronze

Silver
(1st 36 months of continuous coverage)Gold(Beginning the 1st day of the 37th month)Gold
Gold_Plus

Platinum
Annual Excess Options
- Per Insured Person, Per Period of Insurance
Nil<br />
$250 to $10,000/<br />
£138 to £5,500/<br />
€168 to €6,700 - 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment Nil<br />
$250 to $10,000/<br />
£138 to £5,500/<br />
€168 to €6,700 - 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment Nil<br />
$250 to $10,000/<br />
£138 to £5,500/<br />
€168 to €6,700 - 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment Nil<br />
$250 to $10,000/<br />
£138 to £5,500/<br />
€168 to €6,700 - 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment Nil<br />
$250 to $10,000/<br />
£138 to £5,500/<br />
€168 to €6,700 - 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment Nil<br />
$100 to $10,000/ £55 to £5,500/ €67 to €6,700 - 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment
Family Maximum Annual Excesses3 x Individual Annual Excess 3 x Individual Annual Excess 3 x Individual Annual Excess 3 x Individual Annual Excess 3 x Individual Annual Excess 2 x Individual Annual Excess
Annual Excess Carry Forward - If prior Annual Excess not met, then last 30 days Expenses from the previous Period of Insurance are carried forward and applied towards satisfying the Annual Excess for the next Period of InsuranceYESYESYESYESYESYES
Co-Insurance within the USA & Canada PPO NetworkNo Co-InsuranceNo Co-InsuranceNo Co-InsuranceNo Co-InsuranceNo Co-InsuranceNo Co-Insurance
Co-Insurance outside the USA & CanadaNo Co-InsuranceNo Co-InsuranceNo Co-InsuranceNo Co-InsuranceNo Co-InsuranceNo Co-Insurance
Co-Insurance Payable by Insured inside the USA & Canada

– When treatment is taken outside the USA & Canada PPO Network*

– (*No Co-Insurance for Non-Emergency In-Patient Treatment when utilising a USA Medical Concierge Provider)
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 Insurance20% 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 Insurance20% 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 Insurance20% 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 Insurance20% 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 Insurance10% 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