Our Plans

International Outpatient

International Outpatient covers you more comprehensively for outpatient care and medical emergencies that may arise where a hospital admission as a daypatient or inpatient is not required. As well as this, consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre-natal and post-natal outpatient care, physiotherapy, osteopathy, chiropractic and much more.

Annual benefit – maximum per beneficiary per period of cover

This includes claims paid across all sections of International Medical Outpatient.

Silver

  • $10,000
  • €7,400
  • £6,650

Gold

  • $25,000
  • €18,500
  • £16,625

Platinum

  • Unlimited

Consultations with medical practitioners and specialists

Up to the maximum amount shown per period of cover. 

Silver

  • Limit of:
  • $125
  • €90
  • £80
  • Up to 15 visits per year

Gold

  • Limit of:
  • $250
  • €185
  • £165
  • Up to 30 visits per year

Platinum

  • Paid in Full

Pre-natal and post-natal care

(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered on this option for 12 months or more.
› We will pay for medically necessary pre-natal and post-natal care on an outpatient basis, if the mother has been a beneficiary under the International Outpatient optional benefit for a continuous period of at least 12 months or more.
Examples of such treatment and tests include:
• Routine obstetricians’ and midwives’ fees;
• All scheduled ultrasounds and examinations;
• Prescribed medicines, drugs and dressings;
• Routine pre-natal blood tests, if required;
• Amniocentesis procedure (also referred to as amniotic fluid test or AFT) or chorionic villous sampling
(also referred to as CVS);
• Non-invasive pre-natal testing (NIPT) for high risk individuals; and
• Any fees as a result of post-natal care required by the mother immediately following routine childbirth.

Silver

  • Not covered

Gold

  • $3,500
  • €2,750
  • £2,250

Platinum

  • $7,000
  • €5,500
  • £4,500

Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging)

Where investigations are provided on an outpatient basis.. Up to the maximum amount shown per period of cover.

Silver

  • $2,500
  • €1,850
  • £1,650

Gold

  • $5,000
  • €3,700
  • £3,325

Platinum

  • Paid in Full

Physiotherapy treatment

Where treatment is provided on an outpatient basis.

Silver

  • $2,500
  • €1,850
  • £1,650

Gold

  • $5,000
  • €3,700
  • £3,325

Platinum

  • Paid in Full

Osteopathy and chiropractic treatment

Up to the maximum visits shown per period of cover. 

Silver

  • Paid in full up to 15 visits

Gold

  • Paid in full up to 15 visits

Platinum

  • Paid in full up to 30 visits

Acupuncture, Homeopathy and Chinese medicine

Up to a combined maximum of 15 visits per period of cover. 

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Restorative Speech therapy

Provided on a short-term basis following a condition such as a stroke.

Up to the maximum amount shown per period of cover

Silver

  • $2,500
  • €1,850
  • £1,650

Gold

  • $5,000
  • €3,700
  • £3,325

Platinum

  • Paid in Full

Prescribed drugs and dressings

When prescribed by a medical practitioner on an outpatient basis.

Up to the maximum amount shown per period of cover.

Silver

  • 100% up to:
  • $500
  • €370
  • £330

Gold

  • 100% up to:
  • $2,000
  • €1,480
  • £1,330

Platinum

  • Paid in Full

Rental of durable medical equipment

Up to a maximum of 45 days in the period of cover.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Adult vaccinations

Up to the maximum amount shown per period of cover.

Silver

  • $250
  • €185
  • £165

Gold

  • Paid in Full

Platinum

  • Paid in Full

Dental accidents

We will pay for dental treatment required for the damage to the beneficiary’s sound natural tooth/teeth as the result of an accident. Treatment must commence immediately after the accident and be completed within 30 days of the date of the accident.

Up to the maximum amount shown per period of cover

Silver

  • $1,000
  • €740
  • £665

Gold

  • Paid in Full

Platinum

  • Paid in Full

Well child tests

Payable for children at appropriate age intervals up to the age of 6.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Child immunisations

Payable for children aged 17 or younger. 

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Annual routine tests

One eye test and hearing test for children aged 15 or younger.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Deductible (various)

A deductible is the amount which you must pay before any claims are covered by your plan.

Silver

  • $0 / $150 / $500 / $1,000 / $1,500
  • €0 / €110 / €370 / €700 / €1,100
  • £0 / £100 / £335 / £600 / £1,000

Gold

  • $0 / $150 / $500 / $1,000 / $1,500
  • €0 / €110 / €370 / €700 / €1,100
  • £0 / £100 / £335 / £600 / £1,000

Platinum

  • $0 / $150 / $500 / $1,000 / $1,500
  • €0 / €110 / €370 / €700 / €1,100
  • £0 / £100 / £335 / £600 / £1,000

Cost share after deductible and out of pocket maximum

Cost share is the percentage of each claim not covered by your plan.

The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.

The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.

Silver

  • First, choose your cost share percentage:
  • 0% / 10% / 20% / 30%
  • Your out of pocket maximum is:
  • $3,000
  • €2,200
  • £2,000

Gold

  • First, choose your cost share percentage:
  • 0% / 10% / 20% / 30%
  • Your out of pocket maximum is:
  • $3,000
  • €2,200
  • £2,000

Platinum

  • First, choose your cost share percentage:
  • 0% / 10% / 20% / 30%
  • Your out of pocket maximum is:
  • $3,000
  • €2,200
  • £2,000

Add Optional Benefits

Cigna Global Health Options helps you create a health insurance plan that's perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of additional modules to build a plan which fits your needs.

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