Medical

CIGNA International's medical programs provide your expatriate employees with the added security of complete medical coverage by covering all reasonable and customary charges (after the covered member has paid the standard deductible).

We offer a variety of medical program options and benefits, setting CIGNA International apart from other insurers:

• Immediate access to on-duty physicians around the world
• Access to nurses and/or medical clinicians throughout the world 
• Coordination between overseas physicians and U.S. health professionals
• Referrals through a global network of medical and dental providers
• Appointments arranged as needed outside the United States
• Coordination of hospital admissions as needed
• Guarantee/advance payment of hospital and clinic fees
• Medical monitoring outside the United States
• Case management for confinements within the United States
• Emergency prescription replacement/transfer outside the United States
• Dedicated 24/7/365 multilingual helpline
  

Additionally, your plan may include:

• Prescription medical coverage
• Mental health/substance abuse
• Skilled nursing
• Home health care
• Chiropractic services
• Immunizations
• Contraceptives
• Hearing aids

Our patient advocacy services are always available to arrange health care appointments and make direct reimbursements to international health care providers. Eligible employees may also access the online CIGNA International Provider Directory.