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What is International Health Insurance?

International health insurance is not always the first thing on your mind when you are planning a move abroad, it is however an important thing to consider. The cost of healthcare abroad can be extremely expensive and without a comprehensive expatriate health plan in place, you may find that you are out of pocket if you require any medical treatment. Consider what would happen if you were working abroad and required an emergency procedure or needed to visit the doctor. Without overseas health insurance, you may be liable for any expenses related to the treatment you received. A worldwide medical plan will give you peace of mind and confidence that your health and wellbeing are covered when living and working in a foreign country.

People often believe that standard travel insurance will cover them when they are abroad, but this is not always the case. Travel insurance is designed to give holidaymakers cover for medical emergencies and travel specific incidents. The medical cover limits are therefore often lower and trips are usually limited to a certain amount of time, meaning they are not appropriate for long term expats. International health insurance is specifically designed for those living in a foreign

 

EMPLOYEE COVERAGE

For employees working globally, Cigna offer a full range of coverage options in addition to health care benefits, including dental insurance, life insurance and pharmacy management and value-added services such as Global Wellness products and International Employee Assistance Programmes.

We also offer coverage options for employees travelling in other countries but not staying for an extended period of time. More cost-effective than traditional global plans, these plans provide medical benefits coverage for employees on assignment between three and 24 months. For employees travelling on international business, we offer plans that cover unexpected illness and injuries that may occur while travelling outside of their country of residence or country of permanent assignment.

In addition to medical coverage, you can also choose to add optional benefits and services to your plan, including:

  • Dental insurance
  • Vision insurance
  • Life insurance
  • Pharmacy management
  • Long-term disability insurance
  • Accidental death & dismemberment insurance
  • Medical evacuation and repatriation insurance
  • Global Wellness services
  • International Employee Assistance Programme service