Our Solution: Cigna Close Care
It takes only 2 minutes!
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.
Annual Benefit Limit: $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
Transplant services
The Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.
Annual Benefit Limit: $1,000,000
Area of Coverage: Worldwide including or excluding the USA
Private room
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
Transplant services
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 |
|
Condition Limit |
$250,000 |
| Hospital Charges | ✓ Semi-Private Room |
Advanced Medical Imaging (MRI, CT and PET scans) |
$2,500 |
| Mental and Behavioural Health Care | $3,000 |
Cancer Care |
✓ up to overall annual limit |
| Out of Area Emergency Hospitalisation Cover | $40,000 |
Medical Evacuation |
$50,000 |
| Global Telehealth | 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 with medical practitioners and specialists | $650 |
| Telehealth Consultations | $650 |
| Prescribed drugs and dressings | $500 |
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) |
$1,000 |
| Physiotherapy | $1,000 |
| Cancer Screenings | $225 |
| Routine Adult Physical Examination | $100 |
Maintain your oral health with the optional Dental Care and Treatment option. This option covers you for a wide range of preventative, routine and major dental treatments.
| Annual Dental Care and Treatment benefit maximum | $750 |
| Preventative Dental Treatment | Paid in full, up to annual benefit maximum |
| Routine Dental Treatment | 80% refund per period of cover |
| Major Restorative Dental Treatment | 70% refund per period of cover |
Access to tools including our Clinical Case Management Programme, Chronic Condition Programme and Cigna WellbeingTM app support you throughout your healthcare journey.
Only pay for coverage where you need it most: your country of residence and country of nationality, as well as out of area emergency coverage for unexpected medical needs.
Inpatient and outpatient treatment, mental health coverage and cancer care in your core cover.
Through a range of preventative cancer screenings, routine health checks and counselling and coaching sessions for both emotional and physical support.
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.