Aetna's Background

•Founded in 1853 in Hartford, USA, Aetna is one of the world's largest providers of:

  • health care,
  • dental,
  • pharmacy,
  • group life and
  • disability insurance,
  • and employee benefits.

Aetna offers the expertise of a premier U.S. healthcare provider, dedicated to understanding Hong Kong's culture and to serving your company and your employees.

Aetna is a U.S. Fortune 50 and global Fortune 500 company, with 160 years of expertise currently assisting more than 38 million members.

Its experience, strength and stability have been extended globally for more than 55 years, helping them become one of the largest, most reliable providers of international benefits.

Aetna employees around 50,000 people, of whom more than 1,000 are employees dedicated to Aetna International in 12 countries..

Aetna International insures around 900,000 people worldwide, mostly expatriates working in companies of 3-70,000 staff.

Aetna Global Benefits ( Asia Pacific) Limited in Hong Kong is a part of Aetna Inc.

In Hong Kong, Aetna had previously had an agency arrangement with Starr Insurance, but in 2018, Aetna obtained its own insurance license and launched a range of individal and group insurance products, aligned with products being sold internationally, iincluding Employee Assistance Programmes and its Red24 emergency assistance service that includes access to more than 160,000 direct settlement health care providers.

Aetna's commitment on turnatound times is as follow:

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Covid 19 update

If an Aetna member is treated for Coronavirus, or for the symptoms of the Coronavirus, this would be assessed under the terms and conditions of their policy in the same way as any other viral infection.

However, patients who test positive for novel coronavirus, MERS, SARS, etc cannot actually be treated in private hospitals or clinics in Hong Kong (government guidelines).

If they present at a private hospital, they will be directed to a public hospital for treatment.

If an Aetna member is treated at a public hospital with no charge, any claims submitted under the hospital cash benefit will be assessment normally.

For an initial 90 day period, all Aetna members free access to vHealth – a global service that provides medical consultations by telephone or by video call, from anywhere in the world.

Whether you are worried about COVID-19 or have other medical concerns, you can speak to a vHealth doctor about any aspect of your health.

From now on, you don’t have to worry about catching or spreading infection, or even leaving your home.

The 24/7 service is completely confidential, available in multiple languages and free to use as often as you like.

3 easy ways to book a vHealth by Aetna consultation

1. The vHealth by Aetna app

· Download the vHealth app from the App store or Google Play

· Register your details and enter the access code VHEALTH90

· Book an appointment by following the onscreen instructions

2. By telephone

· Call the vHealth helpline and book an appointment over the phone: +1-202-888-3462 (USA) or +44 203 695 6363 (UK)

3. By email

· Send your consultation request to vhealth90@teladochealth.com

· Include your full name, membership number, telephone number, preferred language and reason for the consultation

· A response will be sent back to you within 4 hours

Covid 19 and EMERGENCY EVACUATIONS

Due to the rapidly escalating global situation for COVID-19, undertaking medical evacuations across borders has become extremely challenging. Many countries have locked down their borders or have increased restrictions for entry into their country.

Emergency evacuation remains eligible under AETNA's terms and conditions if a member’s condition requires medical facilities that are not available locally.

However, controls and restrictions put in place by government bodies and medical evacuation providers may affect the transfer of a member as the COVID-19 situation progresses daily.

AETNA's Member Assistance and Medical Evacuations team has provided an update on the global situation:

· All patient transfers will be subject to additional screening of the patient, such as history of respiratory symptoms or fever; travel history; contact history; COVID-19 testing.

· Border restrictions also apply to healthcare workers escorting patients, which is creating a further challenge.

· Admission to receiving medical facilities requires close liaison to manage COVID-19 risk. Bed availability is becoming increasingly limited due to pressure on health systems and isolation requirements for incoming international patients.

Currently all evacuation cases will require additional consideration and escalation to understand how the current restrictions may affect the available options and evacuation strategy. We will continue to provide updates as they become available.

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Aetna PioneerSM

Tailor a plan for your needs and budget

We give you options so that you only pay for what you need. To start, choose from four Aetna Pioneer plans. Then select from our extra-cover options to tailor a plan that’s just right for you.

Plans designed around you

As you venture out to fulfill your goals, Aetna Pioneer has a health care plan to support you wherever life takes you. You’ll be pleased to discover that each option offers full cover for hospitalisation, cancer care, and emergency assistance services.

Aetna Pioneer Documents:

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Aetna Pioneer℠ Plan Benefits-at-a-Glance

Aetna Summit℠ plans offer

Aetna Summit℠ has plans for employees going to:

  • Europe
  • Singapore
  • Hong Kong
  • Middle East

Take hold of a healthier business

While your employees are away from home, you can rest assured that they'll receive the financial security, care and support they need to stay healthy. We've built the framework. Now, we're putting you in the driver's seat.

Choose a plan

Aetna Summit has a health care plan to support your employees no matter where they are in the world. You'll be pleased to discover that each option offers full cover for hospitalisation, cancer care, emergency medical evacuation and repatriation.

Choose an area of cover

The area of cover you choose helps to shape your plan and premium.

Choose an underwriting option

Our Full Medical Underwriting option covers pre-existing medical conditions. There is also the option to apply for moratorium underwriting.

Choose excess or coinsurance

You can select a higher excess or coinsurance to benefit from generous savings on your Aetna Summit plan or by paying a surcharge, you can choose to have no excess or coinsurance.

Choose to add optional plans

Aetna travel
We offer worldwide travel insurance for trips of up to 180 days.

Aetna personal accident
For complete peace of mind, we offer worldwide cover for accidental death as well as permanent total disablement and partial disablement.

Aetna Summit Documents:

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Aetna Group Plans - Americas

Expatriate products for US multinational corporations

Custom Plans

Our custom plans give employers the flexibility to create benefit solutions that include a choice of Indemnity, HRA, and PPO medical plans, coupled with specialized products and services that enhance their overall international benefit offerings. Our plans provide portable and comprehensive worldwide medical coverage, so expatriate employees can access care from the provider of their choice — anywhere in the world.

Indemnity

Traditional Choice® (Indemnity)

With an indemnity plan, employees can access care for covered services from the provider of their choice, without the inconvenience of referrals. Employees are responsible for seeking care, initiating pre-certification (where applicable), paying for services and submitting claims for reimbursement.

Employee out-of-pocket expenses, such as deductibles and coinsurance, must be satisfied before benefits are paid. Benefit maximums and lifetime maximums also apply.

Health Reimbursement Arrangement (HRA)

The Aetna HealthFund® Health Reimbursement Arrangement (HRA)

The Aetna HealthFund HRA plan is a simple, three-part plan that helps employees take charge of their own health as well as their health care spending. Employees receive a fund at the beginning of each year to help them pay for medical expenses. Under the Aetna HealthFund HRA plan, employees are also free to choose the doctors and services that fit their individual needs.

Preventive care is covered at 100 percent, and a deductible applies before plan coverage begins. After the fund is depleted and the deductible is met, remaining eligible health expenses are covered according to the plan coverage level.

Preferred Provider Organization (PPO)

Open Choice® Preferred Provider Organization (PPO)

The PPO plan also gives members the choice to seek care from any provider they choose. However, members who may return to the United States while on assignment (or foreign nationals on assignment in the US) can receive significant discounts when they visit doctors or hospitals that participate in Aetna's US provider network. One of the most extensive networks in the US today, it includes doctors and hospitals approved and recruited by Aetna to offer quality care at pre-negotiated rates. In addition, plans include benefits for services received outside the US that can match or exceed those received while in an Aetna US network — so employees are not penalized when seeking care outside the United States.

Group Trust Plans

Our trust plans are designed for companies and organizations with between 2 and 50 expatriate employees. Each plan offers a comprehensive international benefits plan, as well as health and wellness programs at a competitive price. The Aetna International Expatriate Trust allows smaller employers to benefit from being part of a larger group of companies with similar international health benefits needs. The result is greater purchasing power and rate stabilization, as well as streamlined quoting, implementation and administration processes.

Aetna Group Plans Documents:

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong