Kerber and Halep's exits have presented an opportunity to world number two Caroline Wozniacki to push towards the top spot.
The sparse crowd watching the late-night clash was stunned as the decidedly off-colour Halep failed to win a single game against the hard-hitting Cibulkova in the first set.
Sixth-ranked Elina Svitolina became the biggest Wuhan casualty so far when she was beaten by Belarussia's Aryna Sabalenka.
The meeting with Croatia is a repeat of the football World Cup final in July which France won, 4-2, in Moscow.
Romanian Simona Halep leads the rankings, a long way ahead of the Dane Caroline Wozniacki.
The 23-time Grand Slam champion lost to Naomi Osaka in the final after a fiery confrontation with chair umpire Carlos Ramos.
World team had roared back into contention in the day's first rubber.
World team had roared back into contention after John Isner and Jack Sock stunned Zverev and Roger Federer.
Federer and Zverev looked set to give Europe a commanding 10-5 lead in the match after taking two match points in the super tiebreaker at the United Center.
The second-seeded Bertens came back from break down in the deciding set to defeat the Australian in two hours and 22 minutes and add a seventh title to her collection.
South Africa's Anderson got the fight back started by upsetting reigning Wimbledon and US Open champ Djokovic 7-6, 5-7, 10-6 to earn two points for Team World at the United Center arena.
The fourth seed took just 63 minutes to complete a clinical 6-4, 6-4 victory over the newly crowned US Open champion in Tokyo, bringing Osaka's 10-match winning streak to a shuddering halt.
Zverev, 21, dug deep to hold off the big-serving Isner to win 3-6, 7-6 (8/6), 10-7 and give Europe a 5-1 lead over the World team on day two at Chicago's United Center.
Slovakian Klizan will face the winner of the other semifinal between Dominic Thiem and Roberto Bautista Agut.
Team Europe still led Team World 3-1 after the first day.
The US Open champion will take on Karolina Pliskova in the title clash.