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GLOBAL HEALTH OPTION PLANS

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      Whether you are living in your home country or abroad or planning overseas travel for an extended period of time, you will desire for a customized global insurance plan that can meet the specific needs of you and your family. Cigna Global Health Options provides this ability to customize an insurance plan that that brings you the coverage you need, with unique expertise and customer service.

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Our Experience

      Till today, Cigna has been in the health insurance trade for over 30 years, with an international workforce of over 30,000 people and membership of over 60 million. In addition, they have a network of over a million hospitals, physicians, clinics and health and wellness specialists.

      Their in-house clinical team is led by physician doctors. With many years of experience in dealing with varied and unique clinical and service situations worldwide. The wealth of experience translates to high standards of healthcare, regardless of your location worldwide.

 
 
 

Medical InsuranceOutpatientMedical EvacuationHealth and WellbeingVision and Dental
Your parent and baby care

Sliver

Gold

Platinum

Routine maternity benefit and childbirth cover

Available once the mother has been covered by the policy for 10 months or more. Inpatient and outpatient treatment, inculding hospital charges, obstertricians’ and midwives’ fees. Up to the maximum amount shown per period of cover.

Not covered $7,000€5,500£4,500 $14,000€11,000£9,000
Complications from maternity

Available once the mother has been covered by the policy for 10 months or more.

Inpatient and outpatient treatment for complications resulting from pregnancy. Caesarean sections are only covered when these are required by medical necessity. Up to the maximum amount shown per period of cover.

Not covered $14,000€11,000£9,000 $28,000€22,000£18,000
Homebirths

Available once the mother has been covered by the policy for 10 months or more. Up to the maximum amount shown per period of cover.

Not covered $500€370£335 $1,100€850£700
Newborn care

If at least one parent has been covered by the policy for a continous period of 10 months or more prior to the newborn’s birth.

We will not require information about the newborn’s health or a medical examination if an application is received by us to add the newborn to the policy within 30 days of the newborn’s date of birth. If an application is received after 30 days of the newborn’s date of birth, the newborn will be subject to medical underwritting and we will require the completion of a medical health questionnaire whereby we may apply special restrictions or exclusions.

If neither parent has been covered by the policy for a continous period of 10 months or more prior to the newborn’s birth and an application is received by us to add the newborn to the policy as a beneficiary.

The newborn will be subject to medical underwriting and we will require the completion of a medical health questionnaire. Cover for the newborn will be subject to medical underwriting whereby we may apply special restrictions or exclusions.

Up to the maximum amount shown for treatment within the first 90 days following birth.

$25,000€18,500£16,500 $75,000€55,500£48,000 $156,000€122,000£100,000
Congenital conditions

Where treatment is provided on an inpatient or daypatient basis and the congenital condition manifested itself before the beneficiary’s 18th birthday.

Up to the maximum amount shown per period of cover

$5,000€3,700£3,325 $20,000€14,800£13,300 $39,000€30,500£25,000

 

Your deductible and cost share options

Sliver

Gold

Platinum

Deductible (various)

A deductible is the amount which you must pay before any claims are covered by your plan.

$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000

€0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400

£0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650

Cost share after deductible and out of pocket maximumCost share is the percentage of each claim not covered by your plan.

The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.

The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.

First, choose your cost share percentage:

0% / 10% / 20% / 30%

Next, choose your out of pocket maximum:

$2,000 or $5,000

€1,480 or €3,700

£1,330 or £3,325

 

Your standard medical benefits

Sliver

Gold

Platinum

Internal prosthetic devices/surgical and medical appliancesWe will pay for:

  • a prosthetic implant, device or appliance which is inserted during surgery.
Paid in full Paid in full Paid in full
External prosthetic devices/surgical and medical appliancesWe will pay for:

  • a prosthetic device or appliance which is a necessary part of the treatment immdiately following surgery for as long as is required by medical necessity.
  • a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.

For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices.

Up to the maximum amount shown per period of cover.

For each prosthetic device$3,100€2,400£2,000 For each prosthetic device$3,100€2,400£2,000 For each prosthetic device$3,100€2,400£2,000
Local ambulance and air ambulance servicesMedically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospialisation. Paid in full Paid in full Paid in full
Inpatient cash benefitWe will make a cash payment to the beneficiary when they:

  • receive treatment in hospital which is covered under this plan;
  • stay in a hospital overnight; and
  • have not been charged for their room, board and treatment costs.

Per night up to 30 nights per period of cover.

$100€75£65 $100€75£65 $200€150£130
Emergency dental treatmentDental treatment in hospital in hospital after a serious accident. Paid in full Paid in full Paid in full

 

Your psychiatric care

Sliver

Gold

Platinum

Psychiatric treatmentWe will pay for:

  • treatment of mental health conditions and disorders.
  • addiction treatment.

Whether the bebeficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient.

A combined maximum total of 90 days cover is available in the period of cover, inculding up to 30 days of inpatient treatment. For daypatient and outpatient treatment, each visit will count as one day.

An overall 5 year total limit of 180 days cover will apply, of which a maximum of 60 days can be used for inpatient treatment.

Up to the maximum amount shown per period of cover.

$5,000€3,700£3,325 $1,000€7,400£6,650 Paid in full

 

Your cancer care

Sliver

Gold

Platinum

Cancer TreatmentWe will pay for active and evidence-based treatment received for, or related to cancer, inculding chemotherapy, radiotherapy, oncology, diagnostic tests and drugs whether the beneficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient. Paid in full Paid in full Paid in full
Your overall limit

Sliver

Gold

Platinum

Annual benefitMaximum per beneficiary Paid in full Paid in full Paid in full
Your overall limit

Sliver

Gold

Platinum

Annual benefit-maximum per beneficaiary per period of cover.This inculdes claims paid across all sections of International Medical Insurance. $1,000,000€800,000£650,000 $2,000,000€1,600,000£1,300,000 $3,000,000€2,500,000£2,000,000

 

Your standard medical benefits

Sliver

Gold

Platinum

Hospital charges for:

  • nursing and accommodation for inpatient and daypatient treatment.
  • recovery room.
Paid in full for semi-private room Paid in full Paid in full
Hospital charges for:

  • operating theatre.
  • prescribed medicines, drugs and dressings for inpatient or daypatient treatment.
  • treatment room fees for outpatient surgery.
Paid in full Paid in full Paid in full
Intensive care

  • intensive therapy
  • coronary care.
  • high dependency unit
Paid in full Paid in full Paid in full
Parental accommodationThis applies to eligible dependent children under the age of 18. Cigna will pay for reasonable costs for a parent staying in the same hospital with the child where the child is required to stay in the hospital overnight. Up to the maximum amount shown per period of cover. $1,000€740£665 $1,000€740£665 Paid in full
Surgeons’ and anaesthetists’ feesWhere surgery is provided on an inpatient, daypatient or outpatient basis. Paid in full Paid in full Paid in full
Specialists’ consultation feesPaid in fell for regular visits by a specialist during stays in hospital inculding intensive care by a specialist for as long as is required by medical necessity. Paid in full Paid in full Paid in full
Transplant servicesWhere treatment is provided on an inpatient basis. Paid in full Paid in full Paid in full
Kidney dialysisWhere treatment is provided on an inpatient, daypatient or outpatient basis. Paid in full Paid in full Paid in full
Pathology, radiology and diagnostic tests (excliding Advanced Medical Imaging)Where investigations are provided on an inpatient or daypatient basis. Paid in full Paid in full Paid in full
Advanced Medical Imaging (MRI, CT and PET scans)We will pay for these scans whether recieved on an inpatient, daypatient or an outpatient basis. $5,000€3,700£3,325 $10,000€7,400£6,650 Paid in full
Physiotherapy and complementary therapiesWhere treatment is provided on an inpatient or daypatient basis. $2,500€1,850£1,650 $5,000€3,700£3,325 Paid in full
Home nursingUp to 30days and the maximum amount shown per period of cover. $2,500€1,850£1,650 $5,000€3,700£3,325 Paid in full
RehabilitationUp to 30 days and the maximum amount shown per period of cover. $2,500€1,850£1,650 $5,000€3,700£3,325 Paid in full
Hospice stay to receive palliative careUp to the maximum amount shown per lifetime. $2,500€1,850£1,650 $5,000€3,700£3,325 Paid in full
Vision Care

Sliver

Gold

Platinum

One eye examination per period of cover by an optometrist or ophthalmologist.Maximum per beneficiary per period of cover. 100% up to$100€75£65 100% up to$200€150£130 Paid in full
Expenses for:

  • Spectacle lenses.
  • Contect lenses.
  • Spectacle frames
  • Prescription sunglasses.
100% up to$155€125£100 100% up to$155€125£100 100% up to$310€245£200

 

 

Dental Treatment

 

Your overall limit

Sliver

Gold

Platinum

Annual benefitMaximum per beneficiary per period of cover. $1,250€930£830 $2,500€1,850£1,650 $5,500€4,300£3,500
Your standard dental benefits

Sliver

Gold

Platinum

PreventativeAvailable after the beneficiary has been covered on this option for 3 months. Paid in full Paid in full Paid in full
RoutineAvailable after the beneficiary has been covered on this option for 3 months. 80% refund per preiod of cover 90% refund per preiod of cover Paid in full
Major restorativeAfter the beneficiary has been covered on this option for 12 consecutive months. If the beneficiary needs to claim within the first 12 months, 50% reimbursement will apply. 70% refund per preiod of cover 80% refund per preiod of cover Paid in full
Orthodontic treatmentAvailable for beneficiaries aged 18 or younger, after they have been covered on this option for 2 consecutive years. 40% refund per preiod of cover 50% refund per preiod of cover 50% refund per preiod of cover