Enhance your International Medical Insurance cover by adding optional benefits. Our optional benefits give added protection to your core plan and you can add as many benefits as you like.
Includes outpatient care and medical emergencies where a hospital admission as a day patient or inpatient is not needed. Also includes consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre- and post-natal outpatient care, physiotherapy, osteopathy, chiropractic care and more.
| Annual overall benefit maximum - per beneficiary per period of cover | Silver | Gold | Platinum |
|---|---|---|---|
$15,000 | $35,000 | Paid in Full |
$15,000
$35,000
Paid in Full
| Consultations with medical practitioners and specialists | Silver | Gold | Platinum |
|---|---|---|---|
$2,500 | $5,000 | Paid in Full |
|
| Prescribed drugs and dressings | Silver | Gold | Platinum |
$1,500 | $3,000 | Paid in Full |
|
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) | Silver | Gold | Platinum |
$2,500 | $5,000 | Paid in Full |
|
| Outpatient Rehabilitation | Silver | Gold | Platinum |
We will pay for:
| $5,000 | $10,000 | Paid in Full |
| Pre-natal and post-natal care | Silver | Gold | Platinum |
Available once the mother has been covered by the policy for 12 months or more. Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details. | No coverage | $3,500 | $7,000 |
| Infertility Investigations and treatment | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 24 months or more. Up to a maximum of 4 attempts per lifetime. Available for beneficiaries up to 41 years old. | No coverage | No coverage | $10,000 per lifetime |
| Sleep Apnoea | Silver | Gold | Platinum |
No coverage | $1,500 | $2,000 |
|
| Genetic Cancer test | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 12 months or more. | No coverage | $2,000 | $4,000 |
| Acupuncture & Chinese medicine | Silver | Gold | Platinum |
Up to a combined maximum of 15 consultations per period of cover. | $2,500 | $5,000 | Paid in Full |
| Durable medical equipment | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| Adult vaccinations | Silver | Gold | Platinum |
$250 | Paid in Full | Paid in Full |
|
| Dental accidents | Silver | Gold | Platinum |
$1,000 | Paid in Full | Paid in Full |
|
| Child and Adolescence Wellbeing Health | Silver | Gold | Platinum |
Up to the total limit shown for your selected plan per beneficiary per period of cover. | Paid in Full | Paid in Full | Paid in Full |
| Hormone Replacement Therapy | Silver | Gold | Platinum |
Up to the total limit shown for your selected plan per beneficiary per period of cover. | $250 | $500 | $1,000 |
| Hearing Aids | Silver | Gold | Platinum |
Up to the total limit shown for your selected plan per beneficiary per period of cover. | $500 | $1,000 | $2,000 |
| 60+ Care | Silver | Gold | Platinum |
If a beneficiary is aged 60 years old and above, or turning 60 years old within the period of cover, and has one of the following conditions as declared on their medical questionnaire (and is a special exclusion as detailed on your Certificate of Insurance), we will pay for the medically necessary outpatient treatment costs associated with the maintenance of this condition: Hypertension, Type 2 Diabetes, Glaucoma, Arthritis, joint or back pain, Osteoporosis/ Osteopenia. | $500 | $1,000 | $2,000 |
$2,500
$5,000
Paid in Full
$1,500
$3,000
Paid in Full
$2,500
$5,000
Paid in Full
We will pay for:
$5,000
$10,000
Paid in Full
Available once the mother has been covered by the policy for 12 months or more.
Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details.
No coverage
$3,500
$7,000
Available once the beneficiary has been covered by this option for 24 months or more.
Up to a maximum of 4 attempts per lifetime. Available for beneficiaries up to 41 years old.
No coverage
No coverage
$10,000 per lifetime
No coverage
$1,500
$2,000
Available once the beneficiary has been covered by this option for 12 months or more.
No coverage
$2,000
$4,000
Up to a combined maximum of 15 consultations per period of cover.
$2,500
$5,000
Paid in Full
Paid in Full
Paid in Full
Paid in Full
$250
Paid in Full
Paid in Full
$1,000
Paid in Full
Paid in Full
Up to the total limit shown for your selected plan per beneficiary per period of cover.
Paid in Full
Paid in Full
Paid in Full
Up to the total limit shown for your selected plan per beneficiary per period of cover.
$250
$500
$1,000
Up to the total limit shown for your selected plan per beneficiary per period of cover.
$500
$1,000
$2,000
If a beneficiary is aged 60 years old and above, or turning 60 years old within the period of cover, and has one of the following conditions as declared on their medical questionnaire (and is a special exclusion as detailed on your Certificate of Insurance), we will pay for the medically necessary outpatient treatment costs associated with the maintenance of this condition: Hypertension, Type 2 Diabetes, Glaucoma, Arthritis, joint or back pain, Osteoporosis/ Osteopenia.
$500
$1,000
$2,000
| Deductible | Silver | Gold | Platinum |
|---|---|---|---|
A deductible is the amount which you must pay before any claims are covered by your plan. | $0 / $150 / $500 / $1,000 / $1,500 | $0 / $150 / $500 / $1,000 / $1,500 | $0 / $150 / $500 / $1,000 / $1,500 |
| Cost share after deductible and out of pocket maximum | Silver | Gold | Platinum |
Cost share is the percentage of each claim not covered by your plan. | First, choose your cost share percentage: | First, choose your cost share percentage: | First, choose your cost share percentage: |
A deductible is the amount which you must pay before any claims are covered by your plan.
$0 / $150 / $500 / $1,000 / $1,500
$0 / $150 / $500 / $1,000 / $1,500
$0 / $150 / $500 / $1,000 / $1,500
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.
First, choose your cost share percentage:
0% / 10% / 20% / 30%
Your out of pocket maximum is: $3,000
First, choose your cost share percentage:
0% / 10% / 20% / 30%
Your out of pocket maximum is: $3,000
First, choose your cost share percentage:
0% / 10% / 20% / 30%
Your out of pocket maximum is: $3,000
International Vision and Dental pays for the beneficiary’s routine eye examination and pays costs for spectacles and lenses. It also covers a wide range of preventative, routine and major dental treatments.
| Eye test | Silver | Gold | Platinum |
|---|---|---|---|
1 eye examination per period of cover | $100 | $200 | Paid in Full |
| New Expenses for: | Silver | Gold | Platinum |
| $155 | $155 | $310 |
1 eye examination per period of cover
$100
$200
Paid in Full
$155
$155
$310
| Annual Dental benefit maximum | Silver | Gold | Platinum |
|---|---|---|---|
Per beneficiary per period of cover. | $1,250 | $2,500 | $5,500 |
| Preventative | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 3 months or more. | Paid in Full | Paid in Full | Paid in Full |
| Routine | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 3 months or more. | 80% refund | 90% refund | Paid in Full |
| Major restorative | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 12 months or more. | 70% refund | 80% refund | Paid in Full |
| Orthodontic treatment | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 18 months or more. Only available up to 18 years old. | 40% refund | 50% refund | 50% refund |
Per beneficiary per period of cover.
$1,250
$2,500
$5,500
Available once the beneficiary has been covered by this option for 3 months or more.
Paid in Full
Paid in Full
Paid in Full
Available once the beneficiary has been covered by this option for 3 months or more.
80% refund
90% refund
Paid in Full
Available once the beneficiary has been covered by this option for 12 months or more.
70% refund
80% refund
Paid in Full
Available once the beneficiary has been covered by this option for 18 months or more. Only available up to 18 years old.
40% refund
50% refund
50% refund
We understand the importance of your overall wellbeing and living a balanced life. In addition to health screenings, tests and examinations; this module also empowers you and your family with the services and support to manage your own individual day-to-day health and wellbeing. Your Wellness companion, comprising of the Life Management Assistance programme and the Telephonic Wellness Coaching, is available to help you and your family stay healthy and well, both physically and mentally.
| Life Management Assistance Programme | Silver | Gold | Platinum |
|---|---|---|---|
Access to a range of confidential services and tools to help with any work, life, personal or family issue. Includes short-term counselling sessions, mindfulness coaching sessions, access to a Cognitive Behavioural Therapy (CBT) programme, and life coaching sessions for career development support, and more. | Paid in Full | Paid in Full | Paid in Full |
| Telephonic Wellness Coaching | Silver | Gold | Platinum |
Your personal wellness coach will help you build a wellness plan to help reach your nutrition, fitness, sleep, stress, weight management, and tobacco cessation goals. | Paid in Full | Paid in Full | Paid in Full |
| Mental Health Support Programme | Silver | Gold | Platinum |
Up to 20 face to face counselling sessions per condition per period of cover. | Paid in full | Paid in full | Paid in full |
| Footcare by a Chiropodist or Podiatrist | Silver | Gold | Platinum |
Up to the total limit shown for your selected plan per beneficiary per period of cover. | $225 | $450 | $900 |
| Routine adult physical examinations | Silver | Gold | Platinum |
$225 | $450 | $600 |
|
| Cervical cancer screening | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Prostate cancer screening | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Mammograms for breast cancer screening | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Bowel cancer screening | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Bone densitometry | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Dietetic consultations | Silver | Gold | Platinum |
Up to 4 consultations per period of cover. | No coverage | No coverage | Paid in Full |
Access to a range of confidential services and tools to help with any work, life, personal or family issue. Includes short-term counselling sessions, mindfulness coaching sessions, access to a Cognitive Behavioural Therapy (CBT) programme, and life coaching sessions for career development support, and more.
Paid in Full
Paid in Full
Paid in Full
Your personal wellness coach will help you build a wellness plan to help reach your nutrition, fitness, sleep, stress, weight management, and tobacco cessation goals.
Paid in Full
Paid in Full
Up to 20 face to face counselling sessions per condition per period of cover.
Paid in full
Paid in full
Paid in full
Up to the total limit shown for your selected plan per beneficiary per period of cover.
$225
$450
$900
$225
$450
$600
$225
$450
Paid in Full
$225
$450
Paid in Full
$225
$450
Paid in Full
$225
$450
Paid in Full
$225
$450
Paid in Full
Up to 4 consultations per period of cover.
No coverage
No coverage
Paid in Full
Provides coverage for medical evacuation in the event of an emergency and global crisis response services. This includes emergency transport to a centre of medical excellence, repatriation home following a serious incident, costs for compassionate visits, and global crisis response services in the event of a travel or security risk.
| International Evacuation and Crisis Assistance Plus™ overall benefit maximum - per beneficiary per period of cover | Silver | Gold | Platinum |
|---|---|---|---|
Paid in Full | Paid in Full | Paid in Full |
Paid in Full
Paid in Full
Paid in Full
| Crisis Assistance Plus™ Programme | Silver | Gold | Platinum |
|---|---|---|---|
The programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you're travelling. | FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover. | FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover. | FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover. |
| Medical Evacuation | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| Medical Repatriation | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| Repatriation of mortal remains | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| Compassionate visit - travel costs | Silver | Gold | Platinum |
Up to a maximum of 5 trips per lifetime. | $1,200 | $1,200 | $1,200 |
| Compassionate visit - living allowance costs | Silver | Gold | Platinum |
Per day up to 10 days per visit. | $155 | $155 | $155 |
The programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you're travelling.
FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.
FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.
FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Up to a maximum of 5 trips per lifetime.
$1,200
$1,200
$1,200
Per day up to 10 days per visit.
$155
$155
$155
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. Benefits include coverage for consultations with medical practitioners and specialists, prescribed drugs and dressings, physiotherapy and osteopathic and chiropractic treatments. As your whole health partner, you will also be covered for a range of pre-cancer screenings, routine adult physical exams, and have access to our Life Management Assistance Programme and our Telephonic Wellness Coaching programme.
| Outpatient and Wellness Care annual overall benefit maximum - per beneficiary per period of cover. | Close Care |
|---|---|
$5,000 |
$5,000
| Consultations with medical practitioners and specialists | Close Care |
|---|---|
$650 |
|
| Global Telehealth with Teladoc | Close Care |
Unlimited consultations |
|
| Telehealth consultations | Close Care |
This is a combined benefit limit with the consultations with medical practitioners and specialists benefit. | $650 |
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging | Close Care |
$1,000 |
|
| Physiotherapy treatment | Close Care |
$1,000 |
|
| Osteopathy and chiropractic treatment | Close Care |
$650 |
|
| Acupuncture and Chinese medicine | Close Care |
$650 |
|
| Prescribed drugs and dressings | Close Care |
$500 |
|
| Rental of durable equipment | Close Care |
Up to a maximum of 45 days in the period of cover. | $1,500 |
| Adult vaccinations | Close Care |
$250 |
|
| Dental accidents | Close Care |
$500 |
|
| Child wellbeing tests | Close Care |
$1,000 |
|
| Child immunisations | Close Care |
$1,000 |
|
| Annual eye and hearing test for children aged 15 and younger | Close Care |
Paid in full |
|
| Life Management Assistance Programme | Included |
Access to a range of confidential services and tools to help with any work, life, personal or family issue. Includes short-term counselling sessions, mindfulness coaching sessions, access to a Cognitive Behavioural Therapy (CBT) programme, and life coaching sessions for career development support, and more. |
|
| Telephonic Wellness Coaching | Included |
Your personal wellness coach will help you build a wellness plan to help reach your nutrition, fitness, sleep, stress, weight management, and tobacco cessation goals |
|
| Routine adult physical examination | Close Care |
$100 |
|
| Cervical cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $225 |
| Prostate cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $225 |
| Breast cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $225 |
| Bowel cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $225 |
| Skin cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $225 |
| Lung cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $225 |
| Bone densitometry | Close Care |
Up to the combined maximum amount shown per period of cover. | $400 |
$650
Unlimited consultations
This is a combined benefit limit with the consultations with medical practitioners and specialists benefit.
$650
$1,000
$1,000
$650
$650
$500
Up to a maximum of 45 days in the period of cover.
$1,500
$250
$500
$1,000
$1,000
Paid in full
(Up to the overall annual limit)
Access to a range of confidential services and tools to help with any work, life, personal or family issue. Includes short-term counselling sessions, mindfulness coaching sessions, access to a Cognitive Behavioural Therapy (CBT) programme, and life coaching sessions for career development support, and more.
Your personal wellness coach will help you build a wellness plan to help reach your nutrition, fitness, sleep, stress, weight management, and tobacco cessation goals
$100
Up to the combined maximum amount shown per period of cover.
$225
$400 (Combined limit for all cancer screenings)
Up to the combined maximum amount shown per period of cover.
$225
$400 (Combined limit for all cancer screenings)
Up to the combined maximum amount shown per period of cover.
$225
$400 (Combined limit for all cancer screenings)
Up to the combined maximum amount shown per period of cover.
$225
$400 (Combined limit for all cancer screenings)
Up to the combined maximum amount shown per period of cover.
$225
$400 (Combined limit for all cancer screenings)
Up to the combined maximum amount shown per period of cover.
$225
$400 (Combined limit for all cancer screenings)
Up to the combined maximum amount shown per period of cover.
$400
(Combined aggregate limit)
Maintain your oral health with the Dental Care and Treatment option. This option covers you for a wide range of preventative, routine and major dental treatments.
| Dental Care and Treatment annual overall benefit maximum - per beneficiary per period of cover | Close Care |
|---|---|
$750 |
$750
| Preventative dental treatment | Close Care |
|---|---|
After the beneficiary has been covered on this option for 3 months. | Paid in full |
| Routine dental treatment | Close Care |
After the beneficiary has been covered on this option for 3 months. | 80% refund per period of cover |
| Major restorative dental treatment | Close Care |
After the beneficiary has been covered on this option for 12 months. | 70% refund per period of cover |
After the beneficiary has been covered on this option for 3 months.
Paid in full
(Up to the overall annual limit)
After the beneficiary has been covered on this option for 3 months.
80% refund per period of cover
After the beneficiary has been covered on this option for 12 months.
70% refund per period of cover
Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit and you should refer to the Customer Guide for full benefit details. The benefits contained within the Benefit Table are applicable to annual policies commencing or renewing on or after 15th September 2021. For annual policies commencing or renewing before 15th September 2021 please refer to your policy documents for benefit details. The benefits described may be subject to change.
Prices are displayed in US Dollars (USD) only. Please refer to the Sales Brochure to see benefit limits displayed in EUR / GBP.
Please note, the waiting periods for maternity related benefits listed in the above Cigna Global Health Options Customer Brochure may be 12 or 24 months depending on your insurance entity. Please contact us for further details.
Our specialists are here to guide you through a personalised quote.
Call +44 (0) 1475 492 119 (877 539 6295 Inside US – Toll free). You can also request a callback or build your plan online.