Cigna Global

Company
Close Care
Global Health Options
Horizon
Cigna Prime HK - Group Insurance
Portability

CIGNA GLOBAL is the brand of the CIGNA group under which it sells and services a numbor of individual medical policies such as :

CIGNA GLOBAL Health Options (CGHO)
CIGNA Close Care
CIGNA Horizon
CIGNA ACA Global Health (Affordable Care Act compliant)

The CIGNA GLOBAL brand sales and service is headquatered in Glasgow, Scotland, UK and its products are distributed through sales outlets in various countries such as :

Hong Kong
Singapore
Dubai
USA

Leveraging its international footprint, CIGNA offers access to more than 1.5 million health care professionals in 200+ countries and jurisdictions ensuring you have cover wherever you are in the world.

CIGNA Close Care is an essential health plan created for those who need coverage only in their country of residence, and their country of nationality.

Core hospitalisation cover overview

Annual benefit limit: $500,000
Condition limit: $250,000
Inpatient and daypatient
Semi-private room
Full cancer care

The optional outpatient module provides cover to USD5,000 pa and the optional dental module, USD750 pa.

Cigna Global Health - Individual Plans - Brochure

CIGNA Horizon Core Brochure_05.2018-S.pdf

Cigna Global Health Horizon Core Brochure

Cigna Global Health Horizon Core Brochure

Cigna Horizon HK Local Policy Rules s.pdf

Cigna Global Health Horizon HK Local Policy Rules

Cigna Global Health Horizon Horizon Application Form

Cigna Global Health Options - Close Care - Brochure

Download all as zip

Get a Cigna health insurance quote now

Cigna's international plan is called Cigna Global Health Options

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 advantage 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 that if any exclusions or loadings currently apply to your cover, you will need to complete the application form below.

No documents found

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.

Questions? Call Romi Gill, tel: 2530 2530 Email - romi.gill@navigator-insurance.com

Key notes on Horizon plan:

#1 Default benefits include in-patient + out-patient, other modules are Optional
(Optional Modules such as International Medical Evacuation, International Health and Wellbeing - for persons aged 18 or older and International Vision and Dental plans can only be purchased in conjunction with the International Medical Insurance plan.)
#2 Quote is in USD and based on worldwide excluding USA cover
#3 Medical underwriting is waived

Cigna Global Health Horizon Core Brochure
Cigna Global Health Horizon HK Local Policy Rules
Cigna Global Health Horizon Horizon Application Form

Download all as zip

Cigna Prime Benefit Tables

Below is an example of a benefit table commonly used by Groups in Hong Kong

Cigna Prime Benefit Tables

Provider Network Standard	Benefit Limit
Plan Annual Maximum The total benefit payable in any one year of insurance, per employee or dependant for all in-patient, out-patient, international emergency services and where selected, maternity and adult wellness benefits.	Up to USD $500,000 per year of insurance
Deductible The amount the employee/dependent is responsible for paying directly to the provider when they incur costs for eligible treatment before any amount will be paid by this plan.	None per year of insurance
Maximum Out-of-Pocket The maximum amount the employee/dependent is required to pay for eligible treatment Any pre-authorisation penalty and coinsurance in relation to Dental Benefits will not be counted under the maximum out-of-pocket expense.	None per year of insurance
Pre-authorization of Treatment Employee/dependant must contact Cigna for authorization at least 5 business days prior to undergoing consultations, investigations or treatment of specific types: - All aspects of in-patient and day case treatment, except emergency treatment. For emergency treatment, please contact Cigna within 48hrs after the emergency treatment occurs. - Any costs relating to organ transplant treatment and mental health treatment - High dollar out-patient claims, including but not limited to the following: • MRI, CT Scan, PET Scan • Single diagnostic procedure above US$1,000 • Out-patient medication above US$1,000 per visit • Surgical or medical appliances and durable medical equipment above US$1,000 • Out-patient surgeries • Therapies for developmental disorders - Complications of pregnancy or childbirth - Cancer care - Home nursing - Evacuation and Repatriation - Kidney dialysis - Hospice and palliative care	NA
In-Patient/Day Case Healthcare Benefits	Benefit Limit
Coinsurance The amount the employee/dependent is responsible for paying towards the cost of each claim for eligible treatment.	None
Hospital Charges for: n Nursing and accommodation for in-patient treatment; n Day case treatment; n Operating theatre and recovery room; n Prescribed medicines, drugs and dressings for in-patient or day case patient.	Paid in Full Semi-Private Room
Parental Accommodation This applies to dependent children under the age of 18. Cigna will pay reasonable costs for a parent staying in the same hospital with the child for up to 30 days in any one year of insurance.	Paid in Full
Surgeons’ and Anaesthetists’ Fee	Paid in Full
Specialist Physician’s Fees This benefit is paid in full for regular visits by a specialist physician during stays in hospital including intensive care by a specialist physician for as long as is required by medical necessity.	Paid in Full
Surgical Procedures	Paid in Full
Radiotherapy, Chemotherapy, Oncology	Paid in Full
Radiology and Pathology	Paid in Full
Physiotherapy Where required due to medical necessity.	Paid in Full
Home Nursing Charges -This benefit will be paid: n If recommended by a specialist immediately after hospital treatment for as long as is required by medical necessity; n On a full time basis for as long as is required by medical necessity for treatment which would normally be provided in hospital.	Paid in Full
Hospice/Palliative Care:	Paid in Full
Cigna will pay palliative care benefit for inpatient, day case or outpatient treatment following the diagnosis that the condition is terminal and treatment can no longer be expected to cure the condition. Cigna will pay for the patient’s physical care, psychological care as well as hospital or hospice* accommodation, nursing care and prescription drugs. In all circumstances, this benefit must be authorised in advance by Cigna’s medical team.
*Hospice care is available when there is a life expectancy of less than six (6) months.
In-Patient Surgical Appliance and/or Medical Appliance - This benefit will be paid in respect of: n An artificial limb, prosthesis or device which is inserted during surgery; or nAn artificial prosthesis or device which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity; or n A prosthesis or appliance related to an in-patient procedure which is medically necessary and is part of the recuperation process for a period of time consistent with the recuperation time required for the treatment and as prescribed by the treating medical practitioner.	Paid in Full
Organ Transplant	Paid in Full Refund up to USD $100000 Per Year of insurance
The benefit requires pre-approval	Paid in Full Refund up to USD $100000 Per Year of insurance
HIV/AIDS	Paid in Full
Treatment or tests in connection with Human Immunodeficiency Virus (HIV) related illness including Acquired Immune Deficiency Syndrome (AIDS)	Paid in Full
Psychiatric and Psychological Care	Paid in Full
This benefit will be paid in respect of psychiatric conditions, other mental health disorders or addictive conditions for a maximum of 180 days in any one year of insurance.	Paid in Full
Private Ambulance This benefit is payable for transport to or from a hospital when ordered for medical reasons.	Paid in Full
International Emergency Services n Emergency Medical Evacuation n Medical Repatriation n Repatriation of Mortal Remains This benefit requires pre-approval.	Paid in Full
Note: Cigna will consider charges made for or in connection with approved organ transplant services, including immunosuppressive medications, organ procurement costs, and donor’s medical costs. The amount payable for donor’s medical costs is reduced by the amount payable for those costs from any other plan or source. Certain transplants will not be covered based on general limitations (i.e. experimental procedures). The employee/dependent must contact Cigna before incurring costs relating to organ donation.

Out-Patient Healthcare Benefits	Benefit Limit
Coinsurance The amount the employee/dependent is responsible for paying towards the cost of each claim for eligible treatment.	None
Out-Patient Annual Maximum The total benefit payable in any one year of insurance, per employee or dependent for all out-patient benefits.	Paid in Full
Pre and Post Hospitalization Charges for: The relevant medical expenses incurred 30 days before and 90 days after the hospitalization period for the same covered illness/injury, including consultation, diagnostic/laboratory services, prescribed drugs and other treatments which are medically necessary. (Costs for this benefit will not count towards the Out-patient Annual Maximum limit, if one is applicable.) Please submit your pre hospitalization and post hospitalization claims (if applicable) accompanied with the Discharge Summary.	Paid in Full
Consultations with Medical Practitioners	Paid in Full
Consultations with Medical Specialists	Paid in Full
Diagnostic Scans, X-rays, Lab Tests and Advanced Radiological Imaging	Paid in Full
Out-Patient Surgical Appliance and/or Medical Appliance This benefit will be paid in respect of: prescribed external prosthesis or appliance unrelated to any in-patient procedure which is medically necessary and is part of the recuperation process for a period of time consistent with the recuperation time required for the treatment and as prescribed by the treating medical practitioner. At Cigna’s discretion, pre-authorisation may be required from Cigna’s medical team. For avoidance of doubt, out-patient medical equipment/appliance which do not serve recuperation purpose are not covered.	Paid in Full
Physiotherapy Where required due to medical necessity	Paid in Full
Alternative Therapies This benefit relates only to: acupuncture, chiropody, homeopathy, and appropriate treatment received from a registered Chinese Medicine Practitioner, where required due to medical necessity and considered a reasonable alternative for the condition being treated. There must be sufficient medical evidence the given treatment is proven to alleviate symptoms, and the treatment must be orthodox and adhere to the commonly accepted traditional practice of medicine.	Paid in Full
Chiropractic and Osteopathy Services	Paid in Full
Cancer Treatment - This benefit includes: oncology, chemotherapy and radiotherapy and other out-patient treatment and prescribed drugs directly associated with a cancer condition. (Costs for this benefit will not count towards the Out-patient Annual Maximum limit, if one is applicable.)	Paid in Full
HIV/AIDS Treatment or tests in connection with Human Immunodeficiency Virus (HIV) related illness including Acquired Immune Deficiency Syndrome (AIDS).	Paid in Full
Hormone Replacement Therapy	Paid in Full
Non-Surgical and Minor Surgical Procedures and Treatment	Paid in Full
Prescribed Medicines, Drugs and Dressings Each claim of prescription drugs is limited to 90-day prescription drugs supply. If any prescription drugs for the same medical condition prescribed by the medical practitioner exceeds 90-day supply, the balance of the first 90-day prescription drugs supply shall be submitted in separate claim(s) of 90-day prescription drugs supply each after the preceding 90-day supply ends.	Paid in Full
Travel Vaccinations This benefit will be payable for vaccinations related to travel as specified below: - Tetanus(every 10 years), Hepatitis A, Hepatitis B, HPV (from age 9-26), Influenza, Meningitis, Rabies, Cholera, Yellow fever, Japanese encephalitis, Polio booster, Typhoid and Malaria-tablet form (daily or weekly).	Paid in Full
Emergency Dental Treatment This benefit will be payable for treatment received within 24 hours of a dental emergency*. Benefit does not include repair of dentures.	Paid in Full
Psychiatric and Psychological Care This benefit will be paid in respect of psychiatric conditions, other mental health disorders or addictive conditions.	Paid in Full Per Year of insurance
Well Child Tests For the purpose of preventive care, up to a maximum of 13 visits per lifetime per dependent child under the age of 7, with annual immunisations payable for dependent children under the age of 19. List of immunizations specifed below: DPT, MMR, HIB, Polio, Influenza, Hepatitis A, Hepatitis B, Meningitis, HPV (from age 9-26), Meningococcal, Pneumococcal(PCV), Varicella(chickenpox), Poliovirus Vaccines, Typhoid, Japanese Encephalitis, Rabies, Tuberculosis(PPD), BCG, Yellow Fever, Meningitis, Cholera, Rotavirus, Pertussis and Hand-foot-mouth disease vaccine.	Paid in Full
Child Annual Eye and Hearing Tests One eye test and one hearing test for children under the age of 15.	Paid in Full
Note: *Dental emergency - where severe pain that is not relieved by painkillers, a dental accident occurs, or facial swelling or uncontrollable bleeding after an extraction, is being suffered and it is either outside the business hours of the employee or dependent’s usual dentist or the employee or dependent is staying at a place which is away from the dental practice they usually visit. The treatment covered in such an instance is to purely stabilise the problem and relieve severe pain.

Adult Wellness Benefits	Benefit Limit
Routine Adult Physical Exams - This benefit will be paid for, or in connection with, routine physical examinations that are evidence-based for employees/dependents age 18 years old and above. Cigna does not cover any services and supplies which are not considered orthodox.	Paid in Full, Up to a combined limit of USD $250 per year of insurance
Pap Smear - Cigna will pay charges for an annual Papanicolaou screening.
Prostate Cancer Screening - Cigna will pay charges for an annual prostate cancer screening for eligible males over 40 years old.
Mammograms for Breast Cancer Screening - This benefit will be paid in respect of: none baseline mammogram for asymptomatic women aged 35 to under 40 years of age; na mammogram for asymptomatic women aged 40 to under 50 years of age every two years; na mammogram every year for women aged 50 and over.

Dental Benefits	Benefit Limit
Plan Annual Maximum The total benefit payable in any one year of insurance, per employee or dependent for all dental benefits.	Up to USD $1,500 per year of insurance
Class One - Investigative and Preventative Treatment. Benefits include: X-rays, Scale and Polish.	Paid in Full
Class Two - Basic Restorative Treatment, Periodontal Treatment and Treatment of Dental Injury. Benefits include: Root canal treatment, extractions, surgical procedures, occasional treatment, anaesthetics relating to basic restorative treatment, periodontal treatment or treatment of dental injury.	80% Refund
Class Three - Major Restorative Treatment. Benefits include: Dentures – acrylic/synthetic, metal and metal/acrylic, crowns, inlays, mouthguard or occlusal splint	50% Refund
Orthodontic Treatment – maximum benefit for dependent children under the age of 18.	50% Refund Up to USD $900 per year of insurance
Notes 1. Examinations and Scale and Polish will both be limited to 2 visits per year of insurance. 2. Full case assessment will be limited to one per year of insurance. 3. X-rays will be limited to four Bitewings and six Intra Oral per year of insurance and OPG every 3 years. 4. Prolonged periodontal treatment limit of one course per year of insurance.

Portability details