CIGNA Healthcare Platinum
Type of plan
Platinum
Maximum coverage per insured
Paid in full
Age limit to apply
Not specified
Waiting period
Not specified
Coverage outside USA
Worldwide excluding USA
Coverage inside USA
Worldwide including USA
Inpatient Benefits
Standard private hospital room
Covered
Special benefit for suite
N/A
Intensive care unit
Covered
Adult companion accommodation during a hospitalization
Covered
Prescribed medications while hospitalized
Covered
Psychiatric treatments
Covered up to 90 days
Outpatient Benefits
Emergency room
US$1,200
Physician and specialist visits
Covered
Physician and specialist home visits
Telehealth consultations covered
• Virtual doctor consultations with chosen healthcare provider
• Combined benefit limit with the consultations with medical practitioners and specialists benefit
• Virtual doctor consultations with chosen healthcare provider
• Combined benefit limit with the consultations with medical practitioners and specialists benefit
Prescribed medications
Covered
Complementary therapy
• Acupuncture & chinese medicine covered
• Sleep apnea US$2,000
• Sleep apnea US$2,000
Nurse care at home
Covered up to 120 days
Preventive health checkup
US$600
• Adult vaccinations covered
• Child and adolescence wellbeing health covered
• 60+ care US$2,000
• Dietetic consultations covered (up to 4 consultations per period of cover)
• Adult vaccinations covered
• Child and adolescence wellbeing health covered
• 60+ care US$2,000
• Dietetic consultations covered (up to 4 consultations per period of cover)
Hearing aids
US$2,000
Alzheimer’s disease
N/A
Autism
N/A
Outpatient surgery
Included in the hospital charges benefit
Hormone replacement therapy to relieve the symptoms of menopause
US$1,000
General Benefits
Surgeon and anesthesiologist fees
Included in the hospital charges benefit
Diagnostic study services
• Pathology, radiology and diagnostic tests: covered
• Advanced Medical Imaging (MRI, CT and PET scans): covered as part of inpatient, daypatient or outpatient treatment
• Advanced Medical Imaging (MRI, CT and PET scans): covered as part of inpatient, daypatient or outpatient treatment
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
• Cancer care: covered
• Cancer related appliances - Includes wigs / headbands and mastectomy bras for cancer patients: US$125 per lifetime per cancer related appliance
• Cervical cancer screening covered
• Prostate cancer screening covered
• Breast cancer screening covered
• Bowel cancer screening covered
• Skin cancer screening covered
• Lung cancer screening covered
• Bone densitometry covered
• Cancer related appliances - Includes wigs / headbands and mastectomy bras for cancer patients: US$125 per lifetime per cancer related appliance
• Cervical cancer screening covered
• Prostate cancer screening covered
• Breast cancer screening covered
• Bowel cancer screening covered
• Skin cancer screening covered
• Lung cancer screening covered
• Bone densitometry covered
Dialysis
Covered
Prophylactic surgery to reduce the risk of cancer
70% refund up to US$18,000
Prostheses and medical appliances implanted during surgery
Covered
Organ and tissue transplant
Covered
Benefits for live donors
Included in the organ and tissue transplant benefit
Durable medical equipment
Covered
Allergy treatments
Not specified
Physical therapy and rehabilitation
Rehabilitation: covered up to 90 days
• Physiotherapy
• Occupational therapy
• Cognitive and speech therapies
• Cardiac and pulmonary rehabilitation
• Physiotherapy
• Occupational therapy
• Cognitive and speech therapies
• Cardiac and pulmonary rehabilitation
Specialized treatments
Covered up to 90 days
• Occupational therapy
• Cognitive and speech therapies
• Occupational therapy
• Cognitive and speech therapies
Congenital conditions diagnosed before age 18
US$39,000
Congenital conditions diagnosed after age 18
US$39,000
HIV-AIDS
N/A
Surgical treatment of symptomatic foot disorders
US$900 up to 15 sessions
Psychology
Mental health support programme
• Covered - Up to 20 face to face counselling sessions per condition per period of cover
Telephonic wellness coaching - covered
• Access to a personal wellness coach for lasting lifestyle changes
• Covered - Up to 20 face to face counselling sessions per condition per period of cover
Telephonic wellness coaching - covered
• Access to a personal wellness coach for lasting lifestyle changes
Mental health prescription medication
Included in the mental and behavioural health care benefit
Maternity Benefits
Maternity
• US$14,000
• Homenbirths: US$1,100
• Homenbirths: US$1,100
Maternity and birth complications
US$28,000
Inclusion of the newborn
Newborn care: US$156,000
• The newborn may be required to be medically underwritten
• The newborn may be required to be medically underwritten
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
US$10,000
Neonatal Intensive Care Unit (NICU)
N/A
Pre-natal and post-natal care
US$7,000
Medical Evacuation Benefits
Emergency transportation by ground ambulance
Covered
Emergency transportation by air ambulance
Covered
Insured’s and companion’s return ticket after an evacuation by air ambulance
Covered
Compassionate visit - travel costs US$1,200
• Up to a maximum of 5 trips per lifetime
Compassionate visit - living allowance costs US$155
• Per day up to 10 days per visit
Compassionate visit - travel costs US$1,200
• Up to a maximum of 5 trips per lifetime
Compassionate visit - living allowance costs US$155
• Per day up to 10 days per visit
Repatriation of mortal remains
Covered
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
N/A
Injuries during the training or practice of professional sports
N/A
Emergency dental coverage
• Inpatient: covered
• Outpatient: dental accidents covered
• Outpatient: dental accidents covered
Reconstructive surgery after an accident or illness
N/A
Refractive eye surgery
Eye test covered
• 1 eye examination per period of cover
Expenses for spectacle lenses; contact lenses; spectacle frames; prescription sunglasses US$310
• 1 eye examination per period of cover
Expenses for spectacle lenses; contact lenses; spectacle frames; prescription sunglasses US$310
Palliative care for terminal cases
Covered
Temporary coverage for accidents while application is being underwritten
N/A
Free extended coverage for eligible dependents after policyholder’s death
N/A
Free coverage for dependents
N/A
Elimination/reduction of deductible for no claims made or not having met the deductible
N/A
Deductible elimination
N/A
Second medical opinion
Covered by the decision support programme
Prosthetic limbs
Covered
Routine and major dental treatment
Annual dental treatment
• Preventative (3 months): covered
• Routine (3 months): covered
• Major restorative (12 months): covered
• Orthodontic treatment (up to 18 years old) (18 months): 50% refund
• Preventative (3 months): covered
• Routine (3 months): covered
• Major restorative (12 months): covered
• Orthodontic treatment (up to 18 years old) (18 months): 50% refund
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
Not specified
Declared pre-existing conditions
Some conditions covered with an additional premium and not included in de exclusions section.
Catastrophic and chronic illnesses that survive the contracting of the service
Included in the chronic condition program benefit
Catastrophic and unusual conditions
Not specified
Medical emergency
Covered
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
Life management assistance programme covered
• 24/7 access to counsellors for mental and behavioural health support
• 24/7 access to counsellors for mental and behavioural health support
Travel assistance
Available on crisis assistance plus plan
Hospital cash benefit
US$100
Optional additional benefits
Evacuation to country of choice, country of residence or home country
Not specified
Non-emergency evacuation
Not specified
Pre-existing conditions waiting period waiver
Not specified