Cigna Global | Benefits
Our plan is available in three levels: Silver, Gold and Platinum. Each plan includes International Medical Insurance, and you will be able to include the following optional modules, including:
- International Outpatient
- International Medical Evacuation
- International Health and Wellbeing
- International Vision and Dental
We also encourage you to contact our customer support team who will be able to assist you with finding the correct plan to fit your needs and explain the different levels in more detail.
| Benefits | Silver | Gold | Platinum |
|---|---|---|---|
| Annual Overall Limit |
$1,000,000 €800,000 £650,000 |
$2,000,000 €1,600,000 £1,300,000 |
Unlimited |
| Deductibles |
Options: $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 |
||
| Out of Pocket Max |
Options: $2,000 or $5,000 €1,480 or €3,700 £1,330 or £3,325 |
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| Coinsurance |
Options: 70% / 80% / 90% / 100% |
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| Hospitalization/Room and Board | Semi-private room | Private room | Private room |
| Intensive Care | Paid in full | Paid in full | Paid in full |
| Surgeons’ and anaesthetists’ fees | Paid in full | Paid in full | Paid in full |
| Specialists’ consultation fees at Hospital | Paid in full | Paid in full | Paid in full |
| Hospital accommodation for a parent or guardian |
$1,000 €740 £665 |
$1,000 €740 £665 |
Paid in full |
|
Inpatient cash benefit Per night up to 30 nights |
$100 €75 £65 |
$100 €75 £65 |
$200 €150 £130 |
| Local ambulance and air ambulance services | Paid in full | Paid in full | Paid in full |
| Transplant services for organ, bone marrow and stem cell transplants | Paid in full | Paid in full | Paid in full |
| Kidney dialysis | Paid in full | Paid in full | Paid in full |
| Pathology, Radiology, and Diagnostic tests (excluding Advanced Medical Imaging) |
Paid in full | Paid in full | Paid in full |
| Advanced Medical Imaging (MRI, CT, PET) |
$5,000 €3,700 £3,325 |
$10,000 €7,400 £6,650 |
Paid in full |
|
Physiotherapy and complementary therapies (acupuncturists, homeopaths, and practitioners of Chinese medicine) |
$2,500 €1,850 £1,650 |
$5,000 €3,700 £3,325 |
Paid in full |
| Home Nursing Up to 30 days |
$2,500 €1,850 £1,650 |
$5,000 €3,700 £3,325 |
Paid in full |
| Rehabilitation Up to 30 days |
$2,500 €1,850 £1,650 |
$5,000 €3,700 £3,325 |
Paid in full |
| Hospice and palliative care |
$2,500 €1,850 £1,650 |
$5,000 €3,700 £3,325 |
Paid in full |
| Cancer care | Paid in full | Paid in full | Paid in full |
| Internal prosthetic devices/surgical and medical appliances | Paid in full | Paid in full | Paid in full |
| External prosthetic devices/surgical and medical appliances |
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 |
| Treatment for mental health conditions and disorders and addiction treatment |
$5,000 €3,700 £3,325 |
$10,000 €7,400 £6,650 |
Paid in full |
|
Maternity Available once the mother has been covered by the policy for 12+ months |
Not Covered |
$7,000 €5,500 £4,500 |
$14,000 €11,000 £9,000 |
|
Complications of maternity Available once the mother has been covered by the policy for 12+ months |
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 12+ months |
Not covered |
$500 €370 £335 |
$1,100 €850 £700 |
|
Newborn Care Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the policy for 12+ months |
$25,000 €18,500 £16,500 |
$75,000 €55,500 £48,000 |
$156,000 €122,000 £100,000 |
|
Congenital Conditions Eligible if at least one parent has been covered by the policy for a continuous period of 12+ months prior to the newborn’s birth and the newborn is added to the policy within 30 days of the birth or if they were not evident at policy inception |
$5,000 €3,700 £3,325 |
$20,000 €14,800 £13,300 |
$39,000 €30,500 £25,000 |
| Emergency inpatient dental treatment | Paid in full | Paid in full | Paid in full |
Pre-existing conditions
There may be some medical conditions that we agree to include at an additional premium. Our Underwriters will determine whether we are able to include a medical condition that would normally have been excluded. Where applicable, we will present you with a quote with the option to include the condition.
Out of area emergency cover
For additional peace of mind, all of our plans include emergency short-term medical coverage when you are visiting a location outside of your selected area of coverage (you can select from Worldwide including USA or Worldwide excluding USA cover). So if you purchase the Worldwide excluding USA option, you will still be covered for emergency treatment on an Inpatient or Daypatient basis, or Outpatient basis (if the International Outpatient additional coverage option has been purchased under your policy) during temporary business or holiday trips to the USA. Coverage is limited to a maximum period of 3 weeks per trip and a maximum of 60 days per period of cover for all trips combined. Please read our policy documentation for the full terms and conditions relating to this benefit.
The above is a summary schedule of benefits. Benefits are subject to the deductible and coinsurance unless otherwise noted. For a further description of benefits, please refer to the Master Certificates of the plan.
International Outpatient
More extensive outpatient care for treatments that don’t require an overnight stay in hospital. As well as this, consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre-natal and post-natal outpatient care, physiotherapy, osteopathy, chiropractic and much more are covered with this Optional Module.| Benefits | Silver | Gold | Platinum |
|---|---|---|---|
| Annual Benefit |
$10,000 €7,400 £6,650 |
$25,000 €18,500 £16,625 |
Unlimited |
| Deductibles |
$0 / $150 / $500 / $1,000 / $1,500 €0 / €110 / €370 / €700 / €1,100 £0 / £100 / £335 / £600 / £1,000 |
||
| Out of Pocket Max |
Options: $3,000 €2,200 £2,000 |
||
| Coinsurance |
Options: 70% / 80% / 90% / 100% |
||
| Consultation with medical practitioners and Specialists |
$125/€90/£80 limit per visit. Up to 15 visits per year |
$250/€185/ £165 limit per visit. Up to 30 visits per year |
Paid in full |
|
Pre-natal and post-natal care Available once the mother has been covered by the policy for 12+ months |
Not covered |
$3,500 €2,750 £2,250 |
$7,000 €5,500 £4,500 |
|
Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) |
$2,500 €1,850 £1,650 |
$5,000 €3,700 £3,325 |
Paid in full |
| Physiotherapy treatment |
$2,500 €1,850 £1,650 |
$5,000 €3,700 £3,325 |
Paid in full |
| Osteopathy and chiropractic treatment | Paid in full up to 15 visits | Paid in full up to 15 visits | Paid in full up to 30 visits |
|
Acupuncture, Homeopathy, and Chinese medicine Up to a combined maximum of 15 visits per period |
Paid in full | Paid in full | Paid in full |
| Restorative speech therapy |
$2,500 €1,850 £1,650 |
$5,000 €3,700 £3,325 |
Paid in full |
| Prescribed drugs and dressings |
$500 €370 £330 |
$2,000 €1,480 £1,330 |
Paid in full |
|
Rental of durable equipment Up to a maximum of 45 days in the period of cover. |
Paid in full | Paid in full | Paid in full |
|
Adult vaccinations Covered vaccinations: Influenza (flu); Tetanus (once every 10 years); Hepatitis A; Hepatitis B; Meningitis; Rabies; Cholera; Yellow Fever; Japanese Encephalitis; Polio booster; Typhoid; and Malaria (in tablet form, either daily or weekly). |
$250 €185 £165 |
Paid in full | Paid in full |
| Dental accidents |
$1,000 €740 £665 |
Paid in full | Paid in full |
|
Well child tests Up to the age of 6 |
Paid in full | Paid in full | Paid in full |
|
Child immunizations For children aged 17 or younger for: DPT; MMR; HiB; Polio; Influenza; Hepatitis B; Meningitis; HPV |
Paid in full | Paid in full | Paid in full |
|
Annual routine tests For children aged 15 or younger for: one eye test and one hearing test |
Paid in full | Paid in full | Paid in full |
|
60+ Care Pay for the medically necessary outpatient treatment costs associated with the maintenance of this condition: Arthritis, joint or back pain, Glaucoma, Hypertension, Osteoporosis / Osteopenia, Type 2 Diabetes |
Not covered |
$1,000 €740 £665 |
$2,000 €1,480 £1,330 |
International Medical Evacuation
Medical evacuation in the event that treatment is not available locally in an emergency, as well as repatriation, allowing the beneficiary to return to their country of habitual residence or nationality. Also includes compassionate visits for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness and the beneficiary has not been evacuated or repatriated.| Benefits | Silver | Gold | Platinum |
|---|---|---|---|
| Annual Benefit | Paid in full | Paid in full | Paid in full |
| Medical Evacuation | Paid in full | Paid in full | Paid in full |
| Medical repatriation | Paid in full | Paid in full | Paid in full |
| Repatriation of mortal remains | Paid in full | Paid in full | Paid in full |
| Travel costs for an accompanying person | Paid in full | Paid in full | Paid in full |
|
Compassionate visits — travel costs Up to a maximum of 5 trips per lifetime |
$1,200 €1,000 £800 |
$1,200 €1,000 £800 |
$1,200 €1,000 £800 |
|
Compassionate visits — living allowance costs Up to the maximum amount shown per day for each visit with a maximum of 10 days per visit. |
$155 €125 £100 |
$155 €125 £100 |
$155 €125 £100 |
International Health & Wellbeing
Covers you for screenings, tests, examinations and counseling support for a range of life crises and tailored advice and support through our online health education and health risk assessment, helping the beneficiary to take control and manage their health the way they want.| Benefits | Silver | Gold | Platinum |
|---|---|---|---|
|
Routine adult physical examinations We will pay for routine adult physical examinations (including but not limited to: height, weight, bloods, urinalysis, blood pressure, lung function etc), for persons aged 18 or older. |
$225 €165 £150 |
$450 €330 £300 |
$600 €440 £400 |
|
Pap smear We will pay for one pap smear for females. |
$225 €165 £150 |
$450 €330 £300 |
Paid in full |
|
Prostate cancer screening We will pay for one prostate examination for males aged 50 or over. |
$225 €165 £150 |
$450 €330 £300 |
Paid in full |
|
Mammograms for breast cancer screening We will pay for:
|
$225 €165 £150 |
$450 €330 £300 |
Paid in full |
|
Bowel cancer screening We will pay for one bowel cancer screening for a person aged 55 or older. |
$225 €165 £150 |
$450 €330 £300 |
Paid in full |
|
Bone densitometry We will pay for one scan to determine the density of the beneficiary’s bones. |
$225 €165 £150 |
$450 €330 £300 |
Paid in full |
|
Dietetic consultations We will pay for up to 4 consultations with a dietician per period of cover, if the beneficiary requires dietary advice relating to a diagnosed disease or illness such as diabetes. |
Not covered | Not covered | Paid in full |
|
Life management assistance programme We will pay for up to 5 counselling sessions per issue per period of cover. |
Paid in full | Paid in full | Paid in full |
| Online health education, health assessments and web-based coaching programmes | Paid in full | Paid in full | Paid in full |
International Vision & Dental
Vision care including an eye test and a wide range of preventative, routine and major dental treatments.| Vision Care | |||
|---|---|---|---|
| Benefits | Silver | Gold | Platinum |
|
Eye examination We will pay for one routine eye examination per period of cover, to be carried out by either an ophthalmologist or optometrist. |
$100 €75 £65 |
$200 €150 £130 |
Paid in full |
Expenses for:
|
$155 €125 £100 |
$155 €125 £100 |
$310 €245 £200 |
| Dental Treatment | |||
| Benefits | Silver | Gold | Platinum |
| Annual benefit — maximum per beneficiary per period of cover |
$1,250 €930 £830 |
$2,500 €1,850 £1,650 |
$5,500 €4,300 £3,500 |
|
Preventative dental treatment After the beneficiary has been covered on this option for 3 months, the plan will cover:
|
Paid in full | Paid in full | Paid in full |
|
Routine dental treatment After the beneficiary has been covered on this option for 3 months, the plan will cover:
|
80% refund per period of cover | 90% refund per period of cover | Paid in full |
|
Major restorative dental treatment After the beneficiary has been covered on this option for 12 months, the plan will cover:
|
70% refund per period of cover | 80% refund per period of cover | Paid in full |
|
Orthodontic treatment For beneficiaries aged 18 years old or younger after the beneficiary has been covered on this option for 18 |
40% refund per period of cover | 50% refund per period of cover | 50% refund per period of cover |
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