International Health Insurance from Cigna
This plan comprises of three levels of cover: Silver, Gold and Platinum. Each plan includes International Medical Insurance, which is a hospital only cover. Choose from two areas of coverage, depending on needs and location: Worldwide including USA and Worldwide excluding USA.
If you choose the US option, be aware of the fact that if you are American, Cigna will only cover you in the US for a maximum of 180 days in any policy year. Note: This prohibition is applied to other nationalities who may be spending time in their home country.. the policy wording reads:
This policy is designed for expatriates. Therefore, the policy will only cover the costs of treatment in a beneficiary’s country of nationality in circumstances where the beneficiary is temporarily resident in their country of nationality.
Such circumstances may not exceed one hundred and eighty (180) days in aggregate per period of cover, and the country of nationality must be within the selected area of coverage …
In addition, you can select optional modules, including: International Outpatient; International Medical Evacuation; International Health and Wellbeing; and International Vision and Dental which enables you the flexibility to create a health insurance plan that suits your unique needs.
As well as this, we offer a wide range of cost share and deductible options on International Medical Insurance and International Outpatient, allowing you to tailor a plan to suit your budget.
One of the most common querstions we are asked about Cigna’s Health Options plan concerns the need for referrals for physiotherapy, which needs to be ‘medically’ necessary and ‘restorative’ in nature.
In order to give approval Cigna needs a medical report and a treatment plan.
Cigna provides USD2,500 pa physiotherapy for Silver, USD5,000 for Gold and unlimited for Platinum.
Continuation of Previous Medical Underwriting – Available to individuals now insured with other plans, wishing to transfer to a Cigna plan.
If you are already covered by another plan and have been underwritten in the past 5 years, there will be an opportunity to take advantate of what is called ‘Continuation of Previous Medical Underwriting’ or ‘CPME terms.
Speak to us about what is needed here and we will be happy to guide you through the process.
You will need to send us your current insurance schedule where it clearly shows what if any exclusions or loadings currently apply to your cover and as well, you will need to complete the application form below.
If you have been a member on a Cigna Group plan there will be the option to transfer to an individual Cigna ‘Horizon’ plan without being underwritten.
Summary of Benefits
Cigna Horizon Core Plan – for individuals leaving a Cigna Group Plan
Cigna Close Care plan – for individuals who do not need worldwide cover