Cigna Global Health

Cigna Global Health Insurance Plan offers comprehensive Worldwide coverage. Customizable with three levels to choose from, four optional add-ons and flexible payment options.

CORE PLAN BENEFITS:

*Day limit only applies to inpatient and daypatient treatments.
** For treatment incurred in either Hong Kong or Singapore, this benefit is only available once the mother has been a beneficiary under this policy for a continuous period of at least 24 months or more.

OUTPATIENT OPTION BENEFITS:

EVACUATION AND CRISIS ASSISTANCE PLUS OPTION BENEFITS:

HELATH & WELLBEING OPTION BENEFITS:

ELIGIBILITY: 

1. Coverage is NOT AVAILABLE to any individual who, as of their effective date:
   a) has been diagnosed with a terminal illness; or
   b) has been diagnosed with or has had an episode of congestive heart failure; or
   c) has had their most recent heart surgery more than 10 years ago (Heart surgery includes heart bypass operation, angioplasty, valve surgery (repair or replacement), valvuloplasty, implanted pacemaker, implanted defibrillator); or
   d) has been diagnosed with Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
   e) has been diagnosed with stage 3 or 4 cancer, or cancer of the lung, liver, pancreas, or bone; or has received treatment for any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months; or
   f) has had a lung condition for which, in the last 12 months, they have been prescribed or used home oxygen; or
   g) has received or is awaiting a bone marrow or major organ transplant (heart, kidney, liver, or lung); or
   h) has been diagnosed with or received treatment for kidney disease requiring dialysis; or
   i) has been diagnosed with an aneurysm that has not been repaired; or
   j) requires assistance with activities of daily living. Activities of daily living means eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair) and dressing.
2. To be eligible for coverage you must, as of the effective date:
   a) be at least 15 days old and no more than 69 years old; and
   b) be either:
          i. a Canadian citizen or Canadian resident residing outside of Canada, or
          ii. a Canadian citizen or Canadian resident returning to reside in Canada, provided you were previously insured under an AGA administered policy with no lapse in coverage; and
   c) be in good health at the time you purchase your policy.
- Maximum period of coverage is 365 days.

Waiting Period:
Coverage for losses resulting from any sickness will begin 48 hours after the effective date if you purchase your policy:
a) after the expiry date of an existing AGA administered policy; or
b) after leaving Canada.
Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.
Stability period is the 365 days immediately before the effective date.
Stable describes any medical condition or related condition, including any heart condition or lung condition, for which:
a) there has been no new treatment; and
b) there has been no change in treatment or change in treatment frequency or type; and
c) there have been no signs or symptoms or new diagnosis; and
d) there have been no test results showing deterioration; and e) there has been no hospitalization; and
f) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional.
The following are considered stable:
a) Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.
b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the stability period and there is no increase or decrease in dosage.
c) A minor ailment, which describes a sickness or injury during the stability period which ended prior to the effective date and which did not require:
i. treatment for a period longer than 15 consecutive days; or
ii. more than one follow-up visit to a physician; or
iii. hospitalization, surgery, or referral to a specialist.
The following conditions are not considered stable:
a) any lung condition for which you were prescribed or are taking prednisone;
b) any heart condition for which you were prescribed or are taking nitroglycerin.
Heart condition includes heart attack (myocardial infarction), arrhythmia, atrial fibrillation, heart murmur, irregular heart rate or beat, chest pain or angina, arteriosclerosis, aneurysm, carotid artery occlusion, (congestive) heart failure, cardiomyopathy, heart by-pass operation, valve surgery (repair or replacement), valvuloplasty or any other kind of heart surgery, angioplasty, use of pacemaker or defibrillator, congenital heart defect or any other condition relating to the heart or blood vessels.
Lung condition includes chronic obstructive pulmonary disease (COPD), bronchial asthma, asthma, chronic bronchitis, emphysema, tuberculosis, pulmonary fibrosis.

EXTENSIONS:
If you decide to extend your trip, you may apply for a new period of coverage provided you meet the Eligibility requirements.
Each policy or period of coverage is considered a separate contract and all limitations and exclusions will apply. 

REFUNDS:
A full refund will be provided for policies which are returned within 10 days of purchase, as described in the section titled Right to Examine Policy of the policy wording.
When submitting your premium refund request, please include:
1. a fully completed and signed Refund Request Form; and
2. a copy of your confirmation of coverage; and
3. any other documentation to support your refund request.
Important Notes
Refunds are payable from the date we receive the request.
Refund requests should not be submitted until all claim costs have been incurred.
Any costs incurred after the date of the refund request are your responsibility and AGA will not be responsible for those charges.
Refunds for partial cancellations will be calculated by multiplying the monthly premium by the actual number of months the policy was in effect. This amount is then subtracted from the total premium paid.
Refund amounts less than the minimum premium will not be issued.

CLAIMS:
You must notify AGA Emergency Assistance (toll-free 1-800-995-1662 or worldwide collect 416-340-0049) prior to receiving any medical consultation, within 24 hours of admission to a hospital and before any surgery is performed. Failure to notify AGA Emergency Assistance as required will delay the processing and payment of your claim and may limit the amount of your claim payment. 
- To apply for benefits, complete the claim form and include all original bills. Incomplete forms will cause delay.
- Claims must be reported within 30 days of occurrence.
- Written proof of claim must be submitted within 60 days of occurrence.
- For Accidental Death & Dismemberment Benefits include also: 1. Police report; 2. Coroner's report; 3. Death certificate.
SUBMIT CLAIMS TO:
Allianz Global Assistance Claims Department 
P.O. Box 277
Waterloo, ON, N2J 4A4
For Online Claim Submission visit: www.allianzassistanceclaims.ca

AGA Emergency Assistance and claims personnel are available to help you 24 hours a day, 7 days a week. AGA's experienced multilingual staff verifies coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed. 
Call AGA Emergency Assistance or have someone call on your behalf as soon as possible.

EXCLUSIONS:

We will not offer cover or pay claims when it is illegal for us to do so under applicable laws. Examples include but are not limited to, exchange controls, local licensing regulations or trade embargo.
In accordance with clause 19, we will not cover any beneficiaries or pay claims in jurisdictions when doing so would violate applicable trade restrictions, including but not limited to: restrictions imposed by the United States Department of Treasury’s Office of Foreign Assets Control; the European Union Commission, or; the United Nations Security Council Sanctions Committees.
We cannot be held responsible for any loss, damage, illness and/or injury that may occur as a result of receiving medical treatment at a hospital or from a medical practitioner, even when we have approved the treatment as being covered.
The following exclusions apply to the International Medical Insurance plan and to all of the extra coverage options. Please also refer to the list of benefits detailed in the Customer Guide, including the notes section for any further restrictions and exclusions that apply, in addition to the General Exclusions. Please also refer to your Certificate of Insurance for any special exclusions that may apply.
1. Treatment which is provided by:
a) a medical practitioner who is not recognised by the relevant authorities in the country where the treatment is received as having specialist knowledge of, or expertise in, the treatment of the disease, illness or injury being treated;
b) a medical practitioner, therapist, hospital, clinic, or facility to whom we have given written notice that we no longer recognise them as a treatment provider. Details of individuals, institutions and organisations to whom we have given such notice may be obtained by calling our Customer Care Team; or
c) a medical practitioner, therapist, hospital, clinic, or facility which, in our reasonable opinion, is either not properly qualified or authorised to provide treatment, or is not competent to provide treatment.
2. Treatment for:
a) a pre-existing condition; or
b) any condition or symptoms which result from, or are related to, a pre-existing condition.
We will not pay for treatment for a pre-existing condition of which the policyholder was (or should reasonably have been) aware at the date cover commenced, and in respect of which we have not expressly agreed to provide cover.
3. Preventative treatment, including but not limited to health screening, routine health checks and vaccinations (unless that treatment is available under the International Medical Insurance plan or one of the options for which a beneficiary has cover).
Under the International Medical Insurance plan, the limits of cover for preventative surgery in respect of congenital conditions will apply, other than for cancer.
4. Treatment which is provided by anyone who lives at the same address as the beneficiary, or who is a member of the beneficiary’s family.
5. Treatment which is necessary as a result of conflict or disaster including but not limited to:
a) nuclear or chemical contamination;
b) war, invasion, acts of terrorism, rebellion (whether or not war is declared), civil war, commotion, military coup or other usurpation of power, martial law, riot, or the act of any unlawfully constituted authority;
c) any other conflict or disaster events; where the beneficiary has:
i) put him or herself in danger by entering a known area of conflict (as identified by a Government in your country of nationality, for example the British Foreign and Commonwealth Office);
ii) actively participated in the conflict; or
iii) displayed a blatant disregard for their own safety.
6. Any treatment outside your selected area of coverage, unless the treatment can be covered under the ‘Out of Area Emergency Hospitalisation Cover’ conditions.
7. Travel costs for treatment including any fares such as taxis or buses, unless otherwise specified, and expenses such as petrol or parking fees.
8. Any expenses for ship to shore evacuations.
9. Treatment in nature cure clinics, health spas, nursing homes, or other facilities which are not hospitals or recognised medical treatment providers.
10. Charges for residential stays in hospital which are arranged wholly or partly for domestic reasons or where treatment is not required or where the hospital has effectively become the place of domicile or permanent abode.
11. Costs of hospital accommodation for a deluxe, executive or VIP suite.
12. Any prosthetic device or appliance, including but not limited to hearing aids and spectacles (unless the International Vision & Dental module is selected) which is not medically necessary and/or does not fall within our definition of prosthetic device(s).
13. Incidental costs including newspapers, telephone calls, guests’ meals and hotel accommodation.
14. Costs or fees for filling in a claim form or other administration charges.
15. Non-medical admissions or stays in hospital which include:
a) treatment that could take place on a daypatient or outpatient basis;
b) convalescence;
c) admissions and stays for social or domestic reasons e.g. washing, dressing and bathing.
16. Life support treatment (such as mechanical ventilation) unless such treatment has a reasonable prospect of resulting in the beneficiary’s recovery, or restoring the beneficiary to his or her previous state of health.
17. Foetal surgery, i.e. treatment or surgery undertaken in the womb before birth, unless this is resulting from complications arising through maternity and shall be subject to the limits detailed in the Complications from Maternity benefit under the International Medical Insurance plan.
18. Footcare by a Chiropodist or Podiatrist.
19. Treatment for, or in connection with, smoking cessation.
20. Treatment that arises from, or is in any way connected with attempted suicide, or any injury or illness that the beneficiary inflicts upon him or herself.
21. Developmental problems, treatment for personality and/or character disorders, including but not limited to:
a) learning difficulties such as dyslexia;
b) physical development problems such as short height;
c) affective personality disorder;
d) schizoid personality disorder; or
e) histronic personality disorder
22. Disorders of the temporomandibular joint (TMJ).
23. Treatment for a related condition resulting from addictive conditions and disorders.
24. Treatment for a related condition resulting from any kind of substance or alcohol use or misuse.
25. Treatment needed because of, or relating to, male or female birth control, including but not limited to:
a) surgical contraception, namely:
 - vasectomy, sterilisation or implants;
b) non-surgical contraception, namely:
 - pills or condoms;
c) family planning, namely:
 - meeting a doctor to discuss
 - becoming pregnant or contraception.
26. Treatment by way of the intentional termination of pregnancy, unless the pregnancy endangers a beneficiary’s life or mental stability.
27. Treatment for sexual dysfunction disorders (such as impotence) or other sexual problems regardless of the underlying cause.
28. Treatment which is intended to change the refraction of one or both eyes, including but not limited to laser treatment, refractive keratotomy and photorefractive keratectomy. Note that we will pay for treatment to correct or restore eyesight if it is needed as a result of a disease, illness or injury (such as cataracts or a detached retina).
29. Gender reassignment surgery, including elective procedures and any medical or psychological counselling in preparation for, or subsequent to, any such surgery, unless state or federal law requires such coverage. We will cover medically necessary behavioural health services, including but not limited to, counselling for gender dysphoria and related psychiatric conditions (such as anxiety and depression) and medically necessary hormonal therapy.
30. Treatment which is necessary because of, or is any way connected with, any injury or sickness suffered by a beneficiary as a result of:
a) taking part in a sporting activity at a professional level;
b) taking part in a hazardous sporting activity or hobby, including but not limited to off-piste winter sports, base jumping, tombstoning or cliff jumping, mountaineering or rock climbing, potholing, motorsports, equestrian sports (for instance horse racing or jumping, polo, or hunting), bull riding or bull running, parkour;
c) solo scuba-diving; or
d) scuba-diving at a depth of more than thirty (30) metres unless the beneficiary is appropriately qualified (namely PADI or equivalent) to scuba-dive at that depth.
31. Treatment which (in our reasonable opinion) is experimental, or has not been proven to be effective. This includes but is not limited to:
a) treatment which is provided as part of a clinical trial;
b) treatment which has not been approved by the relevant public health authority in the country in which it is received; or
c) any drug or medicine which is prescribed for a purpose for which it has not been licensed or approved in the country in which it is prescribed.
32. Any form of cosmetic or reconstructive treatment and any complication thereof, the purpose of which is to alter or improve appearance even for psychological reasons, unless that treatment is medically necessary and is a direct result of an illness or an injury suffered by the beneficiary, or as a result of surgery.
33. Treatment that is in any way caused by, or necessary because of, a beneficiary carrying out an illegal act.

RATES:

Optional deductibles for premium savings:
$500 deductible........................savings 5%
$1,000 deductible.....................savings 10%
$5,000 deductible.....................savings 30%

   - You must complete Medical Questionnaire and get approval from AGA except when you have selected: Standard Option. 
   - All options offer coverage worldwide except options excluding Non-USA/Non-Mexico which covers transit through the U.S.A. and Mexico for up to 5 days while travel to and from Canada.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

Allianz Expatriate POLICY PDF

Allianz Expatriate Standard Plan Application Form - DocuSign (fillable)

Allianz Expatriate Enhanced & Deluxe Plan Application Form and MQ - DocuSign (fillable)

Allianz Expatriate Enhanced & Deluxe Plan Detailed Medical Questionnaire - DocuSign (fillable)

Allianz Expatriate CLAIM FORM PDF

Please, CONTACT US for more information or to apply for AGA Expatriate Plan