Cigna Global | FAQ

What's the difference between the Silver, Gold, and Platinum level of the Cigna Global Medical?

The Cigna Global Medical plan is available in three levels so that you can choose the coverage level that’s right for you.

• Platinum — The Platinum level is the most comprehensive, offering unlimited coverage for members. The plan provides coverage for maternity, mental health, and is considered to be the “Cadillac” insurance plan due to its comprehensive benefit structure.
• Gold — The Gold level is the second most comprehensive health insurance plan, offering $2 million coverage per insured person. The plan covers private room hospitalization, maternity, and mental health - and includes some limits on benefits to make it more affordable.
• Silver — The Silver level is a capped benefit plan offering an affordable option for those concerned about their budget, but also wanting international coverage. This plan is well designed for those individuals traveling to countries with affordable health treatment who do not need maternity coverage.

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All levels provide worldwide coverage with the option to include or exclude coverage in the United States. You can also add the following optional modules to the standard plan:

• International Outpatient
• International Medical Evacuation
• International Health and Wellbeing
• International Vision and Dental

How does the out of pocket work on this plan?

On this plan you will be able to choose the deductible, cost share, and out of pocket maximum on your plan.

• Deductible — This is the amount that you will have to pay first, before the plan will start to cover any of your eligible expenses. The deductible is paid once during the annual period year.
• Cost share, or coinsurance — This is the percentage of every claim you will pay.
• Out of pocket maximum — This is the maximum amount you would have to pay in cost share per policy year.

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Example: You choose a $500 deductible, an 80%/20% coinsurance, and a $2,000 out of pocket maximum on your plan.

If, for example, you have a $20,000 claim, you would pay the first $500, which would satisfy your deductible. Then you would pay 20% of $19,500 (or, $3,900) but since this is more than your out of pocket maximum, you would only pay $2,000 (your out of pocket maximum). In total, you would pay $2,500 ($500 + $2,000). Your plan would cover $17,500.

Will my plan cover pre-existing conditions?

If you've sought advice or experienced symptoms before the start date of your plan - whether you have been diagnosed or not - Cigna may decide to add special exclusions to your plan. It’s important that you complete the medical questionnaire as accurately as possible when applying to see whether your pre-existing conditions can be covered on the plan. The underwriting process takes about 5 days before you will hear back about whether your condition can be covered.

Where can I go for medical treatment?

The Cigna Global Health plan allows you to choose worldwide coverage, and you have the option to include or exclude coverage inside the United States. Regardless of where you need coverage, Cigna has a list of network hospitals, clinics, and doctors where you can seek medical attention and you are encouraged to get medical attention there. If there are nearby in-network providers, but you want to seek medical attention outside the network AND prior approval is obtained from Cigna, your plan will reduce any covered amount by 20%. The reduction in coverage does not apply to situations where it is not reasonably possible to get treatment by a Cigna provider. You can find a list of Cigna hospitals, clinics, and doctors in your online Customer Area , or you can call the number on your insurance ID card.

How do I get treatment?

When you need treatment, call the Customer Care Team 24 hours a day, 7 days a week. They can help you arrange treatment and point you in the right direction. If you cannot call in advance, we ask that you get in touch with Cigna within 48 hours after treatment has been sought, so that they can confirm whether treatment is covered and arrange settlement with your provider.

What is my online Customer Area?

As a Cigna customer you have access to a wealth of information wherever you are in the world through your secure online Customer Area . Here you will be able to effectively manage your policy including:

• View your policy documents, including your Certificate of Insurance and Cigna ID cards for all the people covered under your plan
• Check the Policy Rules that apply to your policy
• Check the coverage for you and your family
• Submit claims online
• Search for healthcare facilities and professionals near your location
• Access country guides highlighting security and cultural information for many destinations around the globe
• View our quarterly customer magazine
• Download the Safe Travel app (Platinum and Gold plan customers only)

How are claims paid?

If you go to an in-network doctor, hospital or clinic, the provider will bill directly to Cigna. To ensure that direct payment is set up, please call the number on your insurance ID card prior to getting medical treatment. They will be able to help arrange direct payment to your hospital, clinic or doctor. If you pay up front, you will need to submit a claim in order to be reimbursed. Please note, if you have chosen a deductible, you must pay this amount yourself (this is not reimbursable).

Who is the insurer?

The Cigna Global Medical plan is insured by Cigna Global Insurance Company Ltd or Cigna Life Insurance Company of Europe depending on your location. Cigna offers financial security and a worldwide reputation. This well-established insurance company is rated 'A' (Excellent) by A.M. Best Company.

How do I submit a claim?

When you need medical care, it’s important that you call the number on your insurance ID card so that you go to an in-network doctor, hospital or clinic. If you call in advance, direct payment is often arranged so you don’t have to file a claim. You will need to bring your ID card when you go for your appointment and be prepared to pay your deductible.

If you end up paying for your medical treatment out of pocket, then you will need to file a claim. To do this, you can send your invoice and claim form using any of the following methods.

What currency will my claim be reimbursed in?

Cigna typically reimburses claims within 5 business days of receiving your fully completed paperwork, and can pay you in the currency of your choice (you can choose to be reimbursed in more than 135 currencies).

Am I eligible for the Cigna Global Medical plan?

You must be 18 years old or over to purchase a policy. While all nationalities are encouraged to apply, there are certain country restrictions. Please note that the Cigna Global is not available to internationals residing in, or citizens of, the following countries: Iran, Sudan, Syria, Cuba, North Korea, local nationals in the US Virgin Islands, and Libya.

US citizens can have coverage up to 180 days in the United States as long as they choose to include coverage in the US.

Is coverage under the Cigna Global Medical Plan renewable?

Yes. The Cigna Global Medical plan is annually renewable. There are no medical questions at renewal unless a plan change is requested. Renewal is subject to your continued eligibility and timely payment of premiums. An email will be sent to you about one calendar month prior to the end of your period of cover to see whether you want to renew your policy. We will inform you of any changes (if any) to your benefits and policy terms and conditions which will apply on renewal. Renewals are automatic if premiums are paid via credit card. If premiums are paid via annual bank wire transfer, the customer will need to wire the renewal premium to remain active.

What should I expect during the underwriting process?

The Cigna Global Medical plan is a medically underwritten plan, which means that your family's medical status and history will be used to determine your eligibility for coverage. Once you have submitted your application it will be reviewed within 5 business days by an underwriter. Within that period you will hear back from the underwriters and they will either:

• Issue coverage and complete your application
• Request further documentation regarding your past medical history
• Apply a rider to your coverage that limits or excludes certain medical conditions
• Apply a premium increase due to your medical and/or family history
• Deny coverage

You will be notified on the status of your application once complete or if further information is needed. If a rider or premium increase is added to your plan you will be notified and can choose to accept or decline coverage within 30 days.

Is there a waiting period for maternity?

Maternity benefits are only available on the Gold and Platinum levels of the Cignal Global Medical plan, and are only available once the mother has been covered on the policy for 12 months or more. The Standard Medical Benefits will cover the hospital, obstetricians’ and midwives’ fees for routine childbirth; and any fees as a result of post-natal care required by the mother immediately following routine childbirth. There is also coverage for complications for maternity which is limited to conditions that may only arise as a direct result of pregnancy or childbirth, including miscarriage and ectopic pregnancy. If pre-natal and post-natal care is desired, you will need to add the International Outpatient Optional Module, and the mother would need to be covered for this option for 12 months or more.

How can I pay for this plan?

The Cigna Global Medical plan will allow you to pay for your plan on a monthly, quarterly or annual basis. You can make payments by debit or credit card, or alternatively if you pay annually, you can pay by bank wire transfer.

Can I cancel this insurance plan?

If you choose to terminate your policy, you can do so at any time by giving us at least seven days’ notice in writing. A pro-rated refund is only available if there are no claims on file and there has not been a guarantee of payment issued. If there are claims on file, or there has been a guarantee of payment issued, then there would be no refund available.