Our Solution: Cigna Close Care
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At Cigna Healthcare we specialise in international health insurance for expatriates. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. As your whole health partner, we have a suite of health care tools to support your wellbeing journey. Our flexible Cigna Close Care plan covers you in the country you’re living in and your home country for return visits.
The core Cigna Close Care plan covers you for inpatient and daypatient cover, including hospital stays and treatment, in your country of residence and for up to 180 days in your home country per period of cover.
Plafond de garanties annuelles : 500 000 $
Area of Coverage: Home and Host country only
Condition limit up to $250 000
Semi-Private room only
Full cancer care up to $250 000
Medical Imaging and scans up to $2 500
Rehabilitation, including Physiotherapy, up to $2 000
A&E Room Treatment
Services de transplantation
The Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.
Plafond de garanties annuelles : 1 000 000 $
Area of Coverage: Worldwide including or excluding the USA
Chambre individuelle
Full cancer care up to $1 000 000
Medical Imaging and scans up to $10 000
Rehabilitation, including Physiotherapy, up to $5 000
A&E Room Treatment up to $500
Services de transplantation
Our Cigna Wellbeing app gives you access to Global Telehealth to easily speak with a doctor or specialist.
Choice of deductible and cost sharing options to suit your budget.
We don’t apply an age limit and can cover you regardless of your age.
Extensive programmes and additional resources to look after your health and emotional wellbeing.
An overview of key benefits, for full benefits please view our Product Brochure [PDF]
This is your essential cover for inpatient, daypatient and accommodation costs, as well as cover for cancer, medical evacuation, mental health care and much more.
| Annual overall benefit limit | 500 000 $ |
|
Limite de conditions |
250 000 $ |
| Frais d’hospitalisation | ✓ Semi-Private Room |
Advanced Medical Imaging (MRI, CT and PET scans) |
2 500 $ |
| Santé mentale et comportementale | 3 000 $ |
Soins anti-cancéreux |
✓ up to overall annual limit |
| Garantie hospitalisation d’urgence hors zone de couverture | 40 000 $ |
Évacuation médicale |
50 000 $ |
| Télésanté à l’international | Unlimited Consultation |
The optional Outpatient and Wellness Care covers you more comprehensively for outpatient care that may arise where a hospital admission as a daypatient or inpatient is not required.
| Annual Outpatient and Wellness benefit maximum | 5 000 $ |
| Consultations avec des médecins et spécialistes | 650 $ |
| Consultations de télésanté | 650 $ |
| Médicaments et pansements prescrits | 500 $ |
| Pathologie, radiologie et tests de diagnostic (excluding Advanced Medical Imaging) |
1 000 $ |
| Physiothérapie | 1 000 $ |
| Cancer Screenings | 225 $ |
| Examen physique de routine pour adulte | 100 $ |
Maintain your oral health with the optional Dental Care and Treatment option. Cette option couvre un large éventail de soins dentaires préventifs, périodiques et majeurs.
| Annual Dental Care and Treatment benefit maximum | 750 $ |
| Soins dentaires préventifs | Paid in full, up to annual benefit maximum |
| Soins dentaires de routine | Remboursement à 80 % par période de couverture |
| Soin dentaire reconstructeur majeur | Remboursement à 70 % par période de couverture |
Access to tools including our Clinical Case Management Programme, Chronic Condition Programme and Cigna WellbeingTM app support you throughout your healthcare journey.
Ne payez votre couverture que là où vous en avez le plus besoin : votre pays de résidence et votre pays de nationalité, ainsi qu’une couverture d’urgence hors zone pour les besoins médicaux imprévus.
Traitements hospitaliers et ambulatoires, prise en charge de la santé mentale et des soins contre le cancer dans votre couverture de base.
Via toute une gamme de dépistages préventifs du cancer, de contrôles de santé de routine et de séances de conseil et de coaching pour un soutien émotionnel et physique.
At Cigna Healthcare, we believe a customer of any age deserves access to suitable health care for their needs. This is why we do not terminate a customer’s health insurance policy based on their age and we do not implement an age cap on any of our plans.
We look after our customers though access to over 2,2 million partnerships, including 300 000 mental and behavioural health care providers, more than 67 000 contracted pharmacies, and over 150 in-house doctors and nurses. We offer in network direct billing, and for all inpatient and day patient treatment we require prior authorisation, which simplifies your customer journey.
As a Cigna Customer, you have access to our Mental and Behavioural Health Care covered under your core inpatient and daypatient benefit within the international health plans as standard. We have an optional Outpatient and Wellness module which offers our Life Management Assistance Programme providing confidential assistance with any work, life, personal or family issue that matters to you through counselling, telephone support and online programmes.
The Cigna Close CareSM plan covers you in your country of habitual residence and your country of nationality. This means you only pay for coverage where you need it most, in the country you will be living and when you return home for temporary visits. These temporary visits may not exceed 180 days per period of cover, and the country of nationality must be within the area of coverage.
Your Cigna Close CareSM plan has a condition limit of $250 000 per beneficiary, per period of cover. This includes all claims paid across all sections of inpatient, daypatient and outpatient treatment in relation to one specific condition. Claims for any one specific condition cannot exceed the annual limit of $250 000.