We understand how important your wellbeing is, and securing an individual health insurance plan can grant you the assurance that you will be cared for to the highest standards at the best facilities.
Finding the right protection for your family is a top priority. We understand the need for the highest quality treatment at the best medical facilities, and are here to secure your family’s health insurance.
The best travel plans are the ones which can offer a range of options and stay flexible, as you may need to be away for a specific amount of time, and require a specific amount of cover.
With our expert advice on the full range of travel and medical insurance available, we will ensure you are ready for the journey.
Maternity plans may appear complicated, especially with the sheer number of options available. Wrapping your head around the details can relieve some of the pressure, so we recommended getting to grips with what you can do with a plan, and how it will benefit your new family.
We understand that medical conditions differ, with some minor and others that are difficult to manage. The best way to manage a pre-existing health condition through arranging medical insurance is to seek somebody that understands the process fully. Finding the right plan to suit your specific needs is where we come in.
Buying health insurance gets significantly more difficult as you get older. We always recommend taking great care when choosing which options to include.
There are a number of countries that do not possess the modern treatments or facilities necessary to deal with serious injury or medical emergencies. The costs of a medical emergency in a foreign country can accumulate quickly, and a global health insurance plan is one way to secure evacuation to a hopsital.
Teaching abroad is both rewarding and challenging, and life in a new country involives adjusting to a new environment. To guarantee your well-being in a country you may be relatively unfamiliar with, we advise you look into our teacher plans.
The USA is renowned for it's quality of medical care. As the most expensive in the world, medical care in the USA is not a standard feature for most international health insurance plans but can be offered as a separate add-on.
Depending on the particular country you are in inside of Europe, the potential risks can vary greatly. In the European Union member states and other countries on the continent, medical facilities are generally comparable to that of most first world nations and prices for healthcare can be quite reasonable. However, government sponsored healthcare may not always be able to cover the full cost of treatment. Furthermore, public hospitals can have long wait times for certain treatments. For more information on individual countries, click the links below.
Globalsurance's staff is available to answer any questions you have on specific International Health Insurance policies. Contact us here and one of our agents will get back to you as soon as possible.
Questions and Answers from Visitors
Bosnjic Sanel :
Is there anywhere in the Bosnia and Herzegovina that CIGNA insurance having coverage?
Reply
Marta:
Cigna International offers plans that cover everywhere in the world excluding the USA (Worldwide Excluding USA) and policies that include also the United States.
With these policies our clients have the chance to chose freely hospitals, clinics and doctors everywhere in the world, since these plans work as follows:
-For Inpatient treatment the insurance company will organize the payment directly with the Hospital you’ve chosen.
1. For planned surgery a pre-notification of the insurance company is required in order for them to confirm if the treatment is covered and to release a payment confirmation to the hospital.
2. In case of an emergency the 24/7 Hotline on the back of the insurance card needs to be contacted as soon as possible. In any case not after the discharge. If this happens the insurance company has the right to deduct a “penalty” from the eligible reimbursement.
You need to inform the insurance company before a hospital treatment is being commenced, you are not supposed to pay the medical treatment yourself. Reason is that the insurance company has to check if the medical treatment is for a pre-existing condition, hence excluded, or not.
-For Outpatient treatment the procedure is “Pay and Claim”: you will have to pay first and then ask for reimbursement. Please do keep the invoice and medical report (singed by the treating doctor) which need to be submitted along with the claim form as soon as the treatment has been received. You will send me the scanned copy of these documents via email, that I will forward to our Claim Department, and my colleagues will process them for you.
English
Bosnjic Sanel :
Is there anywhere in the Bosnia and Herzegovina that CIGNA insurance having coverage?
Marta:
Cigna International offers plans that cover everywhere in the world excluding the USA (Worldwide Excluding USA) and policies that include also the United States.
With these policies our clients have the chance to chose freely hospitals, clinics and doctors everywhere in the world, since these plans work as follows:
-For Inpatient treatment the insurance company will organize the payment directly with the Hospital you’ve chosen.
1. For planned surgery a pre-notification of the insurance company is required in order for them to confirm if the treatment is covered and to release a payment confirmation to the hospital.
2. In case of an emergency the 24/7 Hotline on the back of the insurance card needs to be contacted as soon as possible. In any case not after the discharge. If this happens the insurance company has the right to deduct a “penalty” from the eligible reimbursement.
You need to inform the insurance company before a hospital treatment is being commenced, you are not supposed to pay the medical treatment yourself. Reason is that the insurance company has to check if the medical treatment is for a pre-existing condition, hence excluded, or not.
-For Outpatient treatment the procedure is “Pay and Claim”: you will have to pay first and then ask for reimbursement. Please do keep the invoice and medical report (singed by the treating doctor) which need to be submitted along with the claim form as soon as the treatment has been received. You will send me the scanned copy of these documents via email, that I will forward to our Claim Department, and my colleagues will process them for you.