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    Carrot

    carrot logo

    Global fertility and family‑building benefits for employees

    Delivered by Cigna Healthcare and Carrot

    Carrot gives employees personalised, expert support across fertility, family‑building, and hormonal health needs, delivered as global fertility benefits through Cigna Healthcare Global Health Benefits, helping them navigate complex journeys with confidence.
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    What are Carrot’s fertility benefits for employees?

    Navigating fertility, family‑building, and hormonal health journeys can be physically, emotionally, and financially challenging—especially for those managing these experiences while living abroad.

    Cigna Healthcare Global Health Benefits collaborates with Carrot to provide fertility benefits and family‑building benefits for employers, supporting employees across fertility, pregnancy, parenting, and hormonal health journeys.

    Carrot provides virtual guidance tailored to the customer’s individual journey and can steer customers to preferred local providers, including those in Cigna Healthcare’s network, when and where applicable.

    Family‑building benefits that support life’s major milestones

    Planning

    Pre-pregnancy and trying to conceive, adoption planning, surrogacy planning, pre-pregnancy anxiety, at-home testing.

    Pursuing

    IVF, IUI, adoption, gestational surrogacy, fertility preservation, cross-border care.

    Pregnancy

    Birth planning, financial planning, doulas, high-risk pregnancy, miscarriage and paternity.

    Parenting

    Postpartum, parenting, pediatrics, returning to work, manager training.

    Hormonal Health

    Perimenopause, menopause.

    Men’s Health

    Male infertility, low testosterone, sexual health, emotional well-being.
    Speak to our team

    It’s a growing “must-have” benefit offering for global employers

    The challenges of fertility, family-building and hormonal health highlight the growing need for employee fertility benefits that support both workplace wellbeing and business performance.

    With Carrot, global employers can ensure their employees get the support they need (and are growing to expect), while also helping to improve retention, reduce absenteeism and lower overall health care costs.

    • 1.8B is lost in work time annually due to menopause 1
    • 72% of employees would stay at a company longer if they had access to fertility benefits 2
    • 90% of Carrot members return to work after pregnancy 2
    Carrot Logo

    A complete care approach that benefits employees and employers alike

    Cigna Healthcare & Carrot offers:
    Personalised, all-inclusive journey support

    Care plans are tailored to each employee's specific needs and medical history, and evolve as their needs do, along with their entire hamily-builsing and hormonal health journey
    Education

    Through Carrot Academy, employees can easily access on-demand articles videos and expert-authored guides, and even attend live group support sessions.
    In-the-moment guidance

    Carrot Experts and Companions – such as doulas, OB/GYNs, emotional support specialists, and menopause specialists – provide employees with real-time support, referrals, and guidance along every step of their journey.
    Global expertise, localised support

    Employees can seamlessly access legal expertise, cross-border care and Carrot-vetted providers across 200+ countries and territories in a fully translated platform in 25+ languages.

    Fertility, family-building and hormonal health can be complicated.

    With Carrot and Cigna Healthcare Global Health Benefits, getting employees the support they need is simple.

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    Who we cover

    Cigna Healthcare® offers a wide range of international group health insurance solutions for small and large businesses, governments and government-contracted businesses, as well as educational institutions.

    Take a closer look at the types of businesses we serve:

    Businesses with 2-149 employees 

    Protect your small business and employees with flexible, affordable international business health insurance.

    Learn more

    Businesses with 150+ employees

    Get robust large global corporate health insurance with customisable benefits, funding options, and scalable coverage.

    Learn more

    Students & faculty health insurance

    Cover students and faculty studying and working abroad, as well international students studying in the U.S. with Cigna StudyWell®.

    Learn more

    OCONUS & Government health insurance

    Trust our specialised experience with compliant international business health insurance for OCONUS (Outside the Continental United States) contractors and government employees.

    Learn more

    FAQ

    What are Employee Fertility Benefits, and how do Cigna Healthcare plans support them?

    Employee Fertility Benefits are health benefits designed to support employees with fertility treatment, family‑building and hormonal health needs. With selected Cigna Healthcare plans, employers can offer Employee Fertility Benefits in partnership with Carrot, helping enhance fertility benefits for employees alongside their core medical coverage.

    How do Cigna Healthcare and Carrot deliver Employee Fertility Benefits for employees?

    Cigna Healthcare and Carrot work together to deliver Employee Fertility Benefits that complement traditional medical insurance. This partnership helps employers provide fertility benefits for employees through personalised guidance, education and care navigation that supports informed decisions across fertility and family‑building journeys.

    Are Employee Fertility Benefits with Carrot included in all Cigna Healthcare plans?

    Employee Fertility Benefits offered in partnership with Carrot are available with selected Cigna Healthcare plans only. Availability depends on the employer’s chosen plan design, allowing organisations to decide whether to include fertility benefits for employees as part of their overall employer fertility benefits strategy.

    How do employees access Employee Fertility Benefits through Cigna Healthcare and Carrot?

    Employees enrolled in eligible Cigna Healthcare plans can access Employee Fertility Benefits through Carrot’s dedicated digital platform. This platform supports fertility benefits for employees by providing educational resources, expert guidance and tools aligned with the employer’s specific benefit design. Access and features may vary by plan.

    Explore

    Why employee well-being matters for small global businesses

    What exactly is a wellness programme and why is employee well-being especially important for small businesses with globally mobile employees?  

    Find out more

    Need cover for a bigger team?

    We offer tailored plans for companies with over 150+ employees as well.

    Find out more

    What every global health insurance plan should include

    This guide breaks down the fundamentals to help you build a plan that meets your people’s needs and supports your organisation’s goals.

    Find out more

    Disclaimer

    1. Mayo Clinic. Impact of Menopause Symptoms on Women in the Workplace. Faubion, Stephanie S. et al. Mayo Clinic Proceedings, Volume 98, Issue 6, 833 – 845. Published April 26, 2023.

    2. Carrot. Fertility at work. A global report from Carrot Fertility. Published April 18, 2023.

    This material is co-branded by Cigna Healthcare and Carrot. Insurance coverage is provided solely by Cigna Healthcare. Carrot provides access to fertility support services, which are delivered independently of Cigna Healthcare. Cigna Healthcare does not assume any responsibility for the provision or quality of such services. For any medical or mental health emergencies, please contact a qualified health care professional immediately.

    © Cigna Healthcare. All rights reserved.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

    This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.

    Our Policies are underwritten by Cigna Global Insurance Company Limited, a private limited company under Guernsey Law, with registered address office at PO Box 155, Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 4ET, and company number 41925. Cigna Global Insurance Company Limited is authorised and regulated by the Guernsey Financial Services Commission for the conduct of insurance business in Guernsey.

    This communication is being issued and/or distributed by Cigna Insurance Management Services (DIFC) Limited which is regulated by the Dubai Financial Services Authority.

    Selecting these links will take you away from Cignaglobal.com. Cigna Healthcare does not control the linked sites' content or links.