Health Insurance Packages

Above is a very brief description of the important features of the Fusion fixed-benefit indemnity plan and the Fusion STM short-term medical plan. Review additional information about the Fusion bundle.  For complete details about the Fusion plan, refer to the Certificate Form #IAIC HICERT D610 (may vary by state). For details about the Fusion STM plan, refer to the Short Term Medical Expense Insurance Policy Form #IAIC ISTM POL 0913. *Fusion bundle pre-existing conditions details: Fusion A pre-existing condition is a disease, accidental bodily injury, illness or physical condition for which a covered person had treatment, incurred a charge, took medication, or received a diagnosis or advice from a doctor during the 12-month period immediately preceding the insured person’s coverage effective date. Covered benefits are payable for a pre-existing condition after the insured person has been continuously covered under the Policy for 12 consecutive months. This does not apply to a newborn or newly adopted child placed for adoption under age 18 if such child is enrolled for coverage within 31 days from the date of birth, date of adoption or placement for adoption. Fusion STM Fusion STM will not provide benefits for any loss caused by or resulting from a pre-existing condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment.