This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Cigna Close Care
This is Cigna Close Care's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Cigna Healthcare — Cigna Close Care Plan Product Brochure, September 2023.
From the insurer's published documents
| Core Coverage: Inpatient and Daypatient Benefits | |
|---|---|
| Area of Coverage | |
| The area of coverage is limited to your country of habitual residence and country of nationality. | |
| USA coverage is included if the country of habitual residence is the USA. | |
| USA nationals can choose to purchase USA coverage (if the policyholder does not elect to purchase USA coverage, then beneficiaries do not have coverage on visits home). | |
| USA area of coverage is not permitted if either of the options above do not apply. | |
| Paid in full, up to the annual benefit maximum, if applicable, for your selected plan per beneficiary per period of cover. | |
| Waiting period applies. | |
| Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Please see the Customer Guide for full details. *Day limit only applies to inpatient and daypatient treatments. | |
| Benefit | Close Care |
| Annual overall benefit maximum - per beneficiary per period of cover | $500,000/€400,000/£325,000 |
| Condition limitThis is the annual amount we will pay towards all costs of treatment following the diagnosis of a condition. This includes all claims paid across inpatient, daypatient and outpatient in relation to the primary condition. This applies to each beneficiary per period of cover. | $250,000/€200,000/£165,000 |
| Out of area emergency coverEmergency inpatient, daypatient and outpatient medical treatment during temporary trips outside your country of habitual residence or country of nationality. This is limited to 21 days per trip and a maximum of 45 days per policy year. | $40,000/€29,600/£26,600 |
| Hospital chargesnursing and accommodation for inpatient and daypatient treatment and recovery room;operating theatre;prescribed medicines, drugs and dressings for inpatient or daypatient treatment;treatment room fees for outpatient surgery. | Paid in fullSemi-private room |
| Pandemics, epidemics and outbreaks of infectious illnesses | Paid in full |
| Inpatient cash benefit | $100/€75/£65Per night up to 30 days |
| Intensive careintensive therapy;coronary care;high dependency unit. | Paid in full |
| Surgeons’ and Anaesthetists’ fees | Paid in full |
| Specialists’ consultation fees | Paid in full |
| Kidney Dialysis | $5,000/€3,700/£3,325 |
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) | Paid in full |
| Advanced Medical Imaging (MRI, CT and PET scans)As part of inpatient, daypatient or outpatient treatment. | $2,500/€1,850/£1,650 |
| Physiotherapy and complementary therapies | $2,000/€1,480/£1,330 |
| RehabilitationWe will pay for: Physical therapy; Occupational therapy; Speech therapy. | $2,000/€1,480/£1,330Up to 30 days |
| Mental Health CareAs part of inpatient, daypatient or outpatient treatment.We will pay for: Up to 60 days combined maximum total for inpatient and outpatient mental health care; Up to 30 days maximum for inpatient treatment | $3,000/€2,200/£2,000Up to 60 days |
| Cancer care | Paid in full |
| Cancer related appliancesIncludes wigs / headbands and mastectomy bras for cancer patients | $125/€100/£85 per lifetime per cancer related appliance |
| Hospice and Palliative care | $2,500/€1,850/£1,650 |
| Internal prosthetic devices | Paid in full |
| External prosthetic devices | $2,500/€1,850/£1,650 |
| Local ambulance services | Paid in full |
| Emergency inpatient dental treatment | $2,500/€1,850/£1,650 |
| Medical Evacuation | $50,000/€37,000/£33,250 |
| Medical Repatriation | $100,000/€74,000/£66,500 |
| Repatriation of Mortal Remains | $25,000/€18,500/£16,500 |
| Global Telehealth | |
| Benefit | Close Care |
| Global Telehealth with TeladocVideo and phone doctor consultations via the Cigna Wellbeing App, or via a referral from our Customer Care team for non-emergency health issues. | Unlimited consultations |
| Outpatient and Wellness Care | |
| The following details the two optional modules available to add to your Core cover, allowing you to build a plan that suits your needs. | |
| Paid in full, up to the annual benefit maximum, if applicable, for your selected plan per beneficiary per period of cover. | |
| Waiting period applies. | |
| Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Please see the Customer Guide for full details. *Day limit only applies to inpatient and daypatient treatments. | |
| Benefit | Close Care |
| Annual overall benefit maximum - per beneficiary per period of cover | $5,000/€3,700/£3,325 |
| Consultations with medical practitioners and specialists | $650/€500/£425 |
| Telehealth consultationsVirtual doctor consultations with chosen healthcare provider. | $650/€500/£425Combined benefit limit with the consultations with medical practitioners and specialists benefit. |
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) | $1,000/€740/£665 |
| Physiotherapy | $1,000/€740/£665 |
| Osteopathy and chiropractic treatment | $650/€500/£425 |
| Acupuncture and Chinese medicine | $650/€500/£425 |
| Prescribed drugs and dressings | $500/€370/£330 |
| Rental of durable medical equipment | $1,500/€1,100/£1,000 |
| Adult vaccinations | $250/€185/£165 |
| Dental accidents | $500/€370/£330 |
| Child wellbeing tests | $1,000/€740/£665 |
| Child immunisations | $1,000/€740/£665 |
| Annual eye and hearing test for children aged 15 and younger | Paid in full |
| Outpatient and Wellness Care | |
| Your Wellness Care Benefits | |
| Benefit | Close Care |
| Routine adult physical examination | $100/€75/£65 |
| Life Management Assistance programme24/7 access to counsellors for mental and behavioural health support. | Included |
| Telephonic Wellness CoachingAccess to a personal wellness coach for lasting lifestyle changes. | Included |
| Cervical cancer screening | Per screening limit of $225/€165/£150Combined aggregate limit of $400/€300/£260 |
| Prostate cancer screening | Per screening limit of $225/€165/£150Combined aggregate limit of $400/€300/£260 |
| Breast cancer screening | Per screening limit of $225/€165/£150Combined aggregate limit of $400/€300/£260 |
| Bowel cancer screening | Per screening limit of $225/€165/£150Combined aggregate limit of $400/€300/£260 |
| Skin cancer screening | Per screening limit of $225/€165/£150Combined aggregate limit of $400/€300/£260 |
| Lung cancer screening | Per screening limit of $225/€165/£150Combined aggregate limit of $400/€300/£260 |
| Bone densitometry | Per screening limit of $225/€165/£150Combined aggregate limit of $400/€300/£260 |
| Dental Care and Treatment | |
| The following details the two optional modules available to add to your Core cover, allowing you to build a plan that suits your needs. | |
| Paid in full, up to the annual benefit maximum, if applicable, for your selected plan per beneficiary per period of cover. | |
| Waiting period applies. | |
| Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Please see the Customer Guide for full details. *Day limit only applies to inpatient and daypatient treatments. | |
| Benefit | Close Care |
| Annual overall benefit maximum - per beneficiary per period of cover | $750 / €550 / £500 |
| Preventative dental treatmentWaiting period applies. 3 MONTHS | Paid in full |
| Routine dental treatmentWaiting period applies. 3 MONTHS | 80% refund per period of cover |
| Major restorative dental treatmentWaiting period applies. 12 MONTHS | 70% refund per period of cover |