November 2016 Your source of health information
Special editionPulse
Taking care of your healTh can be difficulT, especially if you’re not in your home
country. At Cigna we understand that you need your
health insurance in some of the most critical moments
in life. Just like susan. Susan has just moved with her
family from ireland to kenya for a new job in Nairobi.
www.cignahealthbenefits.comResponsible publisher: Cigna International Health Services BVBA • Plantin en Moretuslei 299 • 2140 Antwerpen • Belgium • RPR Antwerpen • VAT BE 0414 783 183 Registered as insurance and reinsurance intermediary (categories of ‘insurance brokers’ and ‘reinsurance brokers’) under FSMA number 013799 A-R ‘Cigna’ is a registered service mark. © 2016 Cigna. All rights reserved.
Lately I’ve been having wrist pain. My GP tells
me I need an operation. He reassures me that
it’s a standard operation and I won’t need to stay
overnight. Before I go to a hospital, I want to
check what my Cigna plan covers. I remember
the cigna personal webpages. Here I can see
that my plan covers the operation.
I’ve only just moved to nairobi, so I have no idea
how to find a good hospital. I decide to ask my
colleague James, he seems to know Nairobi quite
well. James doesn’t know who to recommend, but
tells me I can easily find one in cigna’s network. In
the search tool on Cigna’s personal webpages, a list of hospitals nearby that can do the operation comes
up. All I need to do is choose one.
In my first week at my new organisation, the HR
manager informed me of my medical insurance plan with cigna. He also told me that I can find all
information about my plan on their website. It’s
good to know that I have help with taking care of
my family’s and my health.
in this special edition we're explaining the different health scenarios you could encounter and how we can help you.
www.cignahealthbenefits.com
I then call Cigna to let them know I’m planning a visit to the hospital. Cigna can now send a ‘Guarantee of payment’ to the
hospital and me. This document says that cigna covers the operation and what part of the invoice can be sent directly to
them. It’s great that I don’t have to advance the payment and
claim for it later.
At the hospital I show my cigna membership card and the ‘guarantee of payment’. Cigna will settle
the invoice directly with the hospital. After the surgery, the doctor prescribes some painkillers. With
the prescription and receipt, I claim the expenses with Cigna through their personal webpages and
a few days later I receive an email from Cigna to say that I can find a settlement note with all the
payment details on my personal webpages. When I have a look online, I also see the hospital bill for
my surgery.
While we’re on holiday in Vienna, my daughter,
Jessica, is involved in a traffic accident and is
rushed to the hospital. Jessica is very clever. So
when she’s admitted she remembers to tell the
nurse she has a Cigna medical plan and they can
find her membership card in her wallet.
On the way to hospital, I call Cigna to inform
them of Jessica’s accident and tell them it’s an emergency. They tell me that they’ll send a
‘guarantee of payment’ to the hospital today.
The only thing I have to do is file a notification of accident form.
At the hospital the nurse assures me that Jessica
is okay. I’m so relieved! While I’m waiting for
Jessica’s cast to be fitted, I use my mobile app
to complete the additional form* and make sure
to add the contact details of the other person
involved in the traffic accident, the witnesses, and
the police.
› On your personal webpages you will find an online form under ‘Contact’.
› Or you can download the ‘Cost estimate’ form on the home page.
› Ask the hospital to fill it in and return it to us two weeks before your admission. easy!
SARAH JOHNSONj 01-01-1973 (d-m-y) xxx/xxxxx
[email protected]
www.cignahealthbenefits.com
P.O. Box 69 • 2140 Antwerpen • Belgium
+ 32 3 217 xx xx + 32 3 217 xx xx
Pers. ref. n°
SARAH JOHNSONj 01-01-1973 (d-m-y) xxx/xxxxx
[email protected]
www.cignahealthbenefits.com
P.O. Box 69 • 2140 Antwerpen • Belgium
+ 32 3 217 xx xx + 32 3 217 xx xx
Pers. ref. n°
*available early 2017
