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Medical
Our Medical Benefits
Abroad (MBA) program lets your clients choose medical coverage based
on their international travel requirements:
- Groups with a total of 249 weeks or less
of travel per year for any number of travelers.
- Groups with a total of 250
weeks or more of travel per year for
any number of travelers.
The 249 weeks or less program covers all
major, necessary medical expenses:
- Medical or surgical care
and treatment provided by a physician as the result of an injury
or illness incurred while traveling on an approved international business trip.
- Hospital room and board
charges and intensive care unit charges, subject to a maximum
based on the program selected.
- All medically necessary and/or required
surgical services and supplies while confined in a hospital.
- Outpatient medical care
expenses provided by a hospital or clinic.
-
Professional, local ambulance service.
- Concierge and Travel
Assistance (Click here
for details).
Program Options: 249 Weeks or Less
| Program: |
Premier |
Standard |
Basic |
| Medical Maximum |
$200,000 |
$100,000 |
$100,000 |
| Coinsurance |
100% |
100% |
80% |
| Coinsurance Maximum |
None |
None |
$5000 |
| Deductible |
$25 |
$50 |
$100 |
| Pre-existing Condition Benefit Maximum |
$2,500 |
$1,000 |
$1,000 |
| U.S. Room & Board |
ASP** |
ASP** |
ASP** |
| Non-U.S. Room & Board |
$700 |
$500 |
$400 |
| Evacuation Rider |
$100,000 |
$100,000 |
$100,000 |
| AD&D |
$100,000 |
$100,000 |
$100,000 |
**Average Semi-Private
You can also
request a customized plan for
249 weeks or less.
Annual Premiums
| Weeks of Travel |
Premier Program |
Standard Program |
Basic Program |
| +1 to 24 weeks |
$1,800 |
$1,500 |
$1,275 |
| 25 to 49 weeks |
$3,000 |
$2,500 |
$2,000 |
| 50 to 74 weeks |
$3,750 |
$3,250 |
$2,500 |
| 75 to 99 weeks |
$5,250 |
$4,250 |
$3,250 |
| 100 to149 weeks |
$7,650 |
$6,400 |
$5,150 |
| 150 to 249 weeks |
$10,000 |
$8,500 |
$7,000 |
Coverage is non-occupational and is on a calendar year basis. The
full premium is due at the inception of the policy along with the
application.
Travel Locator Service
In response to the ever-changing needs of employers, we have added a powerful new
tool to help manage risk. Our Travel Locator Service is powered by International SOS, the world’s
foremost medical and travel management company. Through use of this exclusive interactive system, accessing
critical traveler information is at your fingertips.
Through use of a corporate travel reservation service, you are able to merge current
global travel data with International SOS’s global medical and security intelligence and be assured that
you’re on top of worldwide situations, wherever your employees travel.
Your booking system may be a single agency where employees book their travel reservations.
It may also be a combination of an online booking self-booking tool and/or a traditional travel agency.
(Globally, you may have multiple agencies.)
MBA Pre-Priced Travel Locator Program:
| Weeks of Travel |
Premier Program |
Standard Program |
Basic Program |
| +1 to 24 weeks |
$6,800 |
$6,500 |
$6,275 |
| 25 to 49 weeks |
$8,000 |
$7,500 |
$7,000 |
| 50 to 74 weeks |
$8,750 |
$8,250 |
$7,500 |
| 75 to 99 weeks |
$10,250 |
$9,250 |
$8,250 |
| 100 to149 weeks |
$12,650 |
$11,400 |
$10,150 |
| 150 to 249 weeks |
$15,000 |
$13,500 |
$12,000 |
*Price includes one data feed annually.
Personal Locator Service
If your company does not use a centralized travel booking system,
we offer a solution called Personal Locator Service. With this solution, your HR administrator
or the travelers themselves enter travel data manually into the International SOS system.
Although this method is not as feature laden as the automated Travel Locator Service, it allows
HR users to track employees and locate them efficiently via an automated reporting system
MBA Pre-Priced Personal Locator Program:
Annual Premiums*
| Weeks of Travel |
Premier Program |
Standard Program |
Basic Program |
| +1 to 24 weeks |
$4,550 |
$4,250 |
$4,025 |
| 25 to 49 weeks |
$5,750 |
$5,250 |
$4,750 |
| 50 to 74 weeks |
$6,500 |
$6,000 |
$5,250 |
| 75 to 99 weeks |
$8,000 |
$7,000 |
$6,000 |
| 100 to149 weeks |
$10,400 |
$9,150 |
$7,900 |
| 150 to 249 weeks |
$12,750 |
$11,250 |
$9,750 |
Exclusions
- Charges for routine
physical examinations unless required because of illness
- Routine dental care
- Routine cosmetic treatment
or surgery
- Mental illness or nervous disorders
- Medical expenses related to pregnancy
unless the expenses are incurred as a result of an emergency,
then a maximum benefit of $2,000 will apply per pregnancy
- Care provided to a newborn child, including
hospital nursery expenses
- Expenses incurred during holiday travel
when not in conjunction with a business trip
- Intentionally self-inflicted injuries,
suicide or any attempted threat, while sane or insane
- War or any act of war, whether declared
or undeclared, riot, civil commotion, or police action
MBA programs are customized to meet your clients' needs.
Pricing is completed by CIGNA Underwriting.
We'll work with you to design a custom program
for your clients. For more information, please contact a CIGNA
Regional Sales Representative.
Pre-existing Conditions
In the 90-day period before travel on assignment,
these expenses will not be covered under the MBA program:
- Medical charges incurred
- Medical treatment
- Drugs or medicine prescribed for an
illness or injury
Both pre-existing condition exclusion limitations
and normal health care benefits apply each time an employee travels
on an approved international business trip.
Please contact
us with any questions about MBA's medical
coverage.
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