medical benefits abroad...occur while traveling on an international business trip –claims are paid...

MEDICAL BENEFITS ABROAD®

Offered by Cigna Health and Life Insurance Company or its affiliates

MTD Products 2020

– Provides coverage for unexpected

injuries and illnesses that may

occur while traveling on an

international business trip

– Claims are paid as a first payer

and supplement your domestic or

national plan

– Multilingual Customer Service

Representatives are available 24

hours a day, 7 days a week, 365

days a year

– Nearly 100% success rate in

establishing guarantees of

payment to doctors and hospitals

– Quick claims reimbursements in

nearly 100 currencies

– Portable coverage from country to

country

– Dedicated website for

international travelers

MBA Program – Overview

2Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna 2

All full-time active employees who are

traveling on the business of, or at the

expense of the policyholder outside their

country of residence or permanent

assignment. Persons for whom coverage is

prohibited under applicable law, or who are

not covered by comprehensive medical

insurance which complies with legal and

regulatory requirements in their country of

permanent assignment, will not be

considered eligible for this plan.

In order for dependent spouses, domestic

partners, and dependent children (up to

age 26) to be insured, they need to be

traveling with the covered person, outside

their country of residence or permanent

assignment. Dependents are not eligible

for Accidental Death and Dismemberment

coverage.

MBA Program – Eligible Customers


Family Care

•Dependent travel included when in conjunction with a business trip and travelling with the employee

Additional Care

•7 days of personal travel or sojourn travel when in conjunction with a business trip

Evacuation Care

•Medical evacuation and repatriation of remains, service provided in partnership International SOS

Dental Care

•Dental emergencies including dental accidents and alleviation of sudden and unexpected dental pain

Prescription Care

•Prescription drugs when medically necessary and replacement medicine for medically necessary lost prescriptions

Emergency Care

•Emergency Medical treatment, hospital admission, surgical care, outpatient medical care and ambulance services due to accident or sickness

What the Medical Benefits Abroad (MBA) covers

The MBA policy is primary coverage once the employee leaves his/her home country for an

international business trip.

5Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2018 Cigna

Examples of Non Covered Expenses*:

• Routine physical exams, unless required

because of sickness

• Expenses related to alcoholism, chemical

dependency, or drug addiction

• Cosmetic or Plastic Surgery

• Injury as a result of commission of felony

* This list contains examples and is not all-inclusive. MBA customers should refer to

their MBA policy for a complete listing and information on coverage, limitations, and

exclusions.

MBA Program – Non Covered Expenses

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna 55

Evacuation and

Repatriation

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2018 Cigna

International evacuation

CARE

MANAGEMENT –

DOCTORS /

NURSES ENGAGE

FROM START

CUSTOMER

EVACUATION

OR

REPATRIATION

DIRECT

PAYMENT AND

PRICE

NEGOTIATION

CUSTOMER

CONTACT

INITIATEDMEDICAL

EMERGENCY

Guarantee

of payment

Ongoing

monitoring

Determine

evacuation

Engage

clinical case

management

Coordinate

contact,

services

Identify

medical

emergency

CIGNA COORDINATION

In the event an evacuation may be needed, call Cigna Global Customer Service at 1-800-243-1348 or collect

302-797-3535 and any charges can be reversed.


http://www.balidiscovery.com/images/848/Blue-Globe-And-Airplane.jpg

Crisis Assistance Plus™ (CAP)

We live in a complicated and unpredictable world, and Cigna Global Health Benefits recognizes

this. To further support our globally mobile customers, Cigna proudly introduces Crisis Assistance

Plus TM (CAP), a worldwide comprehensive crisis assistance program.

Protection from the worst. For your employees who deserve the best.

CAP provides time sensitive advice and coordinated in-

country crisis assistance for nine different risks that directly

impact, or have the potential to impact our customers when

traveling abroad. They include:

>Terrorism

>Political Threat

>Natural Disaster

>Blackmail or Extortion

>Violent Crime

>Disappearance of a Person(s)

>Hijack

>Kidnap for Ransom*

>Wrongful Detention

> *Ransom payments are not covered

Coverage of up to $250,000


MBA SCENARIO

Cigna employee traveling on short term international

business covered under MBA

• Victoria, a CGHB underwriter, began experiencing flu-like

symptoms while on a business trip in Shanghai.

• Her worsening condition, the lengthy waits for care at local clinics,

and the scarcity of health care providers who spoke English

concerned her greatly.

• Victoria called the number on the back of her Cigna ID card and

was directed to the nearest center of excellence.

• The Cigna customer service representative made the appointment

for her.

• After a visit with an English-speaking doctor, a prescription was

promptly available for pick up and all payments were directly billed

through Cigna.


Member experience

Throughout the journey

16

Support for your travelers

Medical Benefits Abroad®

Welcome Kit> Cigna MBA ID card

> Certificate of Insurance

> Concierge and Travel Assistance Services

Flyer

> Cigna Envoy® Overview

Medical Benefits Abroad®

Online Resources

> Access Welcome Kit, MBA ID card electronically.

> Online Certificate of Coverage

> Country Guides with access medical, safety, and cultural information on 200+ countries.

> Locate and choose a doctor or hospital in advance of requiring care.

> Quickly locate customer service contact details; telephone, fax, and mailing address.

> Vaccination Recommendations

> Submit MBA claims directlythrough Cigna Envoy.


Online submission is the quickest and most convenient way to request claim

reimbursement. However, in the event that direct payment is not made at point of service,

customers can also fax, mail/courier, or email their claims to Cigna. All registered users of

Cigna Envoy are able to submit claims through the website using an easy to follow process.

Once a claim is submitted online, they can view their submission up to three years, with

access to the actual claim attachments for up to 90 days.

Mail Delivery

• Cigna Global Health Benefits

• P.O. Box 15111

• Wilmington, Delaware USA 19850-5111

Courier Delivery

• Cigna Global Health Benefits

• 300 Bellevue Parkway

• Wilmington, Delaware USA 19850-5111

Claim Submission Options


Toll-Free telephone number

• 1.800.243.1348

Toll-free TDD telephone number for the hearing impaired

• 1.800.558.3604

Direct telephone number

• (Collect calls accepted)

• 001.302.797.3535

Toll-free facsimile number

• 1.800.243.6998

Direct facsimile number

• 001.302.797.3150

Cigna Contact Numbers


MBA WEB PORTAL


LOGIN PAGE

28


HOME PAGE

29

MBA PORTAL – COUNTRY AND PROVIDER GUIDE PAGE


MBA Portal – Country Guide Page

MBA Portal – MBA Materials and Forms Page


MBA Portal – Customer Service Page

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2018 Cigna32

MBA Portal – Member Podcast Page


MBA Portal – FAQ Page


Certificate of coverage

1. Log in to Cigna Envoy using employer specific username and password.

2. Customer or employer accepts Certificate of Coverage disclaimer.

3. Homepage reflects new Certificate of Coverage tool. Customer or employer

selects Certificate of Coverage.


Certificate of coverage

4. Customer or employer enters demographic and travel information then selects Download.


QUESTIONS

medical benefits abroad...occur while traveling on an international business trip –claims are paid...

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