Cigna offers additional modules to enhance your Silver, Gold, or Platinum international medical coverage plan. Choose a cost-share option: 0%, 10%, 20%, or 30%Choose an out-of-pocket maximum: $2,000 or $5,000. Some managed-care plans also require you to get authorization prior to treatment. You’ll find full details on how to get treatment, how to make a claim, and copies of claims forms in your welcome pack. At the highest level are services from special medevac companies such as MedjetAssist and On Call International that let you determine which hospital is best—even if it means chartering a medically equipped plane back to the States. Deductibles and cost-share options are great for individuals and families that want to save money month to month, but note that your out of pocket payments will increase. These membership-based companies also provide medical referrals and other travel assistance, though they don’t offer insurance and are not responsible for any medical bills. This is the maximum amount of cost share you have to pay per period of cover. If you apply earlier than that date or your start date gets delayed, you might be required to provide updated medical information from your health care provider and a statement of health indicating there have been no new medical conditions since the time of your initial application. One notable exception is Medicare, which does not cover any medical costs incurred outside the United States. “The level of care you receive from specialized travel insurance is completely different from what you’d get with your regular provider,” says Jim Grace, president and CEO of the insurance comparison website InsureMyTrip. Also Read: Cigna Global Health Insurance Costs and Premium Examples. Calling Cigna before getting treatment during an emergency isn't always possible. The greatest islands, cities, hotels, cruise lines, airports, and more — as voted by you. The video offers key information for expatriates to know before they purchase Cigna international health insurance coverage. If you choose worldwide, excluding the U.S., you can receive treatment anywhere except in the U.S. You must be eighteen years or older to purchase a Cigna policy. If, for instance, you're traveling through Canada to get to Alaska when a medical emergency occurs, and a Canadian hospital is the nearest facility, Medicare may cover your treatment. Vision care provides coverage for the beneficiary's routine eye examination and the cost for spectacles and lenses. You can select to have your plan in another language other than English: You have two areas of coverage to choose from: You have three currencies to choose from: OutpatientCigna's optional Outpatient coverage provides cover for consultation fees with specialists and medical professionals, prescription drugs and dressings, chiropractic care, and more. This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. You have a $500 deductible on your policy. All nationalities are encouraged to apply. Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates. For more information read: Co-Pays and Deductibles in your International Health Insurance Plan. In those cases, we will recommend a suitable comparable plan. If you email or fax it to us, make sure you keep the original in case they need to see it later. Creating a comprehensive, tailored plan with Cigna Global is simple. Follow the steps below to find out how Cigna's international health plans work. If you want more coverage, choose their International Vision and Dental option and enjoy access to a wide variety of preventative, routine, major, and orthodontic treatments. When you need care outside of the country: The situation must require urgent or. Alternatively, call the Customer Care Team. 852493 b 10/15. In most cases, your hospital, clinic, or doctor will invoice Cigna directly. Lastly, if you opt to add outpatient care and other optional modules for a more comprehensive international healthcare plan, your premiums will be more expensive. If you’re a frequent traveler, you’ve probably heard some variation of the following horror story: an American is traveling in a remote landscape when he breaks his leg and needs to be airlifted to a hospital for treatment. One great feature of the Cigna Global Medical Plan is that you can adjust the plan structure to keep costs low or add features and benefits with an additional premium. Cigna Global accepts all major debit and credit cards such as MasterCard and Visa. We aim to reimburse you within five working days of receiving your fully completed paperwork and can pay you in the currency of your choice (you can choose to be reimbursed in more than 135 currencies). Cigna covers you for selected outpatient costs such as treatment room fees, surgeon and anesthetic costs, advanced imaging, cancer, and psychiatric care. Start listening to T+L's brand new podcast, Let's Go Together! Follow @tltripdoctor on Twitter. Credit: They’ll reimburse you, less any deductibles, usually within five days of receipt. $0 $375 $750 $1,500 $3,000 $7,500 $10,000. One of the major gaps in coverage from employersponsored plans is medical evacuations—the dreaded “airlift” scenario that can leave you deep in debt. Optional Health and Wellbeing coverage provides cover for screenings, tests, examinations, and counseling support for a range of conditions. Cigna Global Health Benefits provides cover for core benefits, such as emergency dental cover in the event of an accident that requires you to have treatment in a hospital. If you choose worldwide, including the U.S., you can receive treatment anywhere in the world. When you create your tailored plan, you have the option of adding deductibles. Cost-share is the percentage of every claim you will pay. Also, Expatriates can choose their desired area of coverage. Medical Evacuation coverage provides cover for transportation costs for emergency medical treatment, repatriation, and compassionate visits for the family members of a beneficiary. Read more on Deductibles and Out of Pocket Maximums. Most policies have exclusions for injuries sustained while scuba diving, parasailing, or bungee-jumping. Should this happen, send the invoice with a claim form to Cigna, and they’ll pay them. Do I Need to Buy Travel Health Insurance if I’m Going Overseas? Their international medical plans offer three levels of coverage, Cigna Silver, Cigna Gold, and Cigna Platinum. Cignas coverage is an ideal solution for expatriates and global citizens who are working abroad for a year or longer. The individual expat medical coverage we provide will cover you while abroad, and everywhere else in the world you may travel to, including back to your home country. In some instances, countries will limit or restrict coverage to local insurance regulations. The Crisis Assistance Plus™ programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you're traveling. Cigna Global Health Benefits and Coverage, Annual overall benefit maximum - per beneficiary per period of cover, Hospital accommodation for a parent or guardian, Advanced Medical Imaging (MRI, CT, and PET scans), Up to 30 days for inpatient and daypatient treatment, Up to 60 days for inpatient and daypatient treatment, Out of Area Emergency Hospitalisation Cover, Annual International Outpatient benefit maximum - per beneficiary per period of cover, Consultations with medical practitioners and specialists, Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging), International Medical Evacuation Annual benefit maximum - per beneficiary per period of cover, The Crisis Assistance Plus™ programme provides time-sensitive advice and, Compassionate visit - living allowance costs, Annual Dental benefit maximum - per beneficiary per period of cover, Eligibility for Cigna International Health Insurance, Cigna Global Health Insurance Costs and Premium Examples, Co-Pays and Deductibles in your International Health Insurance Plan, For Sales and New Policies, Call: US Toll-free: 1-877-758-4881. But you don’t need to be heading deep into the wild to benefit from travel health insurance; there are far less dramatic ways that medical bills can stack up while you’re on the road. But it also depends on what kind of coverage you already have, where you are traveling, and how you are traveling. Watch our Cigna Global Video and Learn About the Plan! When you need treatment, the Cigna International Customer Care Team will help you arrange your treatment plan and point you in the right direction, saving you the time and hassle of looking for a hospital, clinic, or medical practitioner yourself. Cigna will pay for: Outpatient Physiotherapy; Outpatient Occupational therapy; Osteopathy and Chiropractic treatment; Speech therapy; and Cardiac and pulmonary rehabilitation. If you’ve sought advice or experienced symptoms before the start date of your plan—whether you have been diagnosed or not—they may decide to add special exclusions to your plan. Cigna's optional Outpatient coverage provides cover for consultation fees with specialists and medical professionals, prescription drugs and dressings, chiropractic care, and more.
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