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Medical Benefits Abroad®
A practical solution for organisations with employees travelling internationally on business.
Medical Benefits Abroad (MBA) provides short-term medical cover for unexpected illness or injury that may occur while employees are travelling outside their country of residence or permanent assignment on business.
Why choose Medical Benefits Abroad for your business?
Built for international business travel
Cover starts when travel begins
No eligibility data required
Flexible pre-priced plan options
For organisations with employees travelling internationally
Medical Benefits Abroad is designed for companies whose employees regularly travel outside their home country on short-term business trips.
Cover starts when a trip begins and ends when the employee returns, making MBA a practical option for organisations that need business travel medical cover rather than long-term international health insurance.
How Medical Benefits Abroad supports your business
Easy administration for employers
No need to provide eligibility data, helping reduce setup complexity.
Annual pricing structure
A simple premium model helps make cover easier to budget for and manage.
Pre-priced and tailored options
Choose from four pre-priced plans or request cover tailored to your travel needs.
Practical claims administration
Online claims submission helps simplify the process, with many claims paid directly to providers and most clean claims processed in 15 days or less.
Support in multiple languages
Employees can access assistance 24/7 in nearly 170 languages.
Additional travel-related options
Optional cover includes personal travel and medical care for accompanying family members.
What sets Medical Benefits Abroad apart?
Medical Benefits Abroad goes beyond traditional travel medical cover, helping employees access and navigate healthcare while abroad.
From finding appropriate treatment to arranging appointments and hospital admissions, the plan is designed to provide practical support when it’s needed most.
Where direct billing is not available, guarantees of payment can be arranged, and employees can also access global telehealth.
Plan Details
Standard medical cover
Provides cover for essential healthcare needs that may arise during international business travel, helping employees access treatment when it is needed.
- Medical treatment for illness or injury
- Emergency dental care
- Prescription drugs and replacement medications
- Medical evacuation and coordination
Optional cover
Additional options are available to extend protection based on your organisation’s travel requirements and risk considerations.
- Crisis Assistance Plus
- Cover for accompanying family members
- Accidental Death & Dismemberment
- Personal travel options
- Visit for more on optional benefits
Speak to our team to learn more about Medical Benefits Abroad.
Supporting your employees when they need care abroad
To help employees access healthcare while travelling, Medical Benefits Abroad combines practical medical support with additional assistance for more complex situations.
- Support while travelling
Help finding providers, arranging medical appointments, coordinating hospital admissions and replacing prescriptions when medically necessary. - Care access support
Where direct billing is not available, guarantees of payment can often be arranged to support access to treatment. - Crisis assistance
Additional support is available for situations such as natural disasters, political unrest, violent crime and other travel-related risks.
Speak to our team to learn more about Medical Benefits Abroad.
Cigna Envoy® gives you full control
Cigna Envoy helps employees manage their cover and access useful travel information in one place.
Comprehensive information, services and support at CignaEnvoy.com
- Search for healthcare providers and access trusted global networks.
- File claims online and monitor progress in one place.
- View benefits, policy details and printable ID cards.
- Access country-specific health and safety information.
- Additional tools, includes drug translation tools and guidance on immunisations and disease prevention.
Protect your travelling workforce
Help employees access medical cover during international business trips with a solution designed for organisations with travelling teams.
Speak to our team to discuss how Medical Benefits Abroad could help you provide the right level of protection for your employees.
FAQ
Medical Benefits Abroad is a business travel medical insurance solution that provides cover for unexpected illness or injury while employees are travelling internationally on business.
It is designed for organisations with employees who travel abroad on short-term business trips, rather than those on long-term international assignments.
Cover begins when an employee leaves their country of residence or permanent assignment and ends when they return.
Core cover includes medical treatment, prescription medication, emergency dental care and medical evacuation, with optional cover available for additional needs.
In many cases, healthcare providers can be paid directly. Where direct billing is not available, a guarantee of payment (GOP) can often be arranged to support access to treatment.
Many claims are paid directly to providers, and more than 90% of clean customer claims are paid in 15 days or less.
Yes. Employees can access help with finding providers, arranging appointments, hospital admissions, clinical guidance and prescription replacement where medically necessary.
Yes. Crisis Assistance Plus provides coordinated support for risks such as natural disasters, political threats, violent crime, kidnaps and wrongful detentions.
Optional cover may be available for accompanying family members travelling with the employee.
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Disclaimer
Web-based tools, such as Cigna Envoy® are available for informational purposes only. These tools are not intended to be a substitute for medical care provided by a physician. The listing of a health care professional or facility in the mobile directories available through the Cigna Envoy mobile app does not guarantee that the services rendered by that professional or facility are covered under your benefits plan. Refer to your plan documents, or call the number listed on your ID card, for information about the services covered under your plan benefits. References to non-partnered organizations or companies, and/or their products, processes or services, do not necessarily constitute an endorsement or warranty thereof.
The downloading and use of the Cigna Envoy Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply. The Apple logo is a trademark of Apple Inc., registered in the United States and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.
Cigna Healthcare global telehealth products are administered by Teladoc, an independent third party service provider. All Teladoc doctors are licensed in the countries where they practice medicine and are fully qualified and trained to provide this service.
2.4 million hospitals and healthcare professionals is data from the GHB Network analysis of February 2025. Subject to change.
Whether you wish to speak to our sales team or get general help if you are already a Cigna Healthcare® member, we’ll get you to the right information.
Contact Information© 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.
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