YOUR
BENEFITS
OVERVIEW
Version 04/03/2020
CONTENT
This document contains a general description of the medical cover provided to WBG Short Term staff
members (STC/STTs) in Headquarters and Country Offices. Should you have any questions about an
item that is not listed below or want additional information, please contact Cigna or consult your personal
webpages, which are accessible through www.cignahealthbenefits.com.
Our services ............................................................................................................... 3
Your coverage ............................................................................................................ 5
1.
In general ...................................................................................................................................... 5
2.
Summary of benefits ..................................................................................................................... 7
2.1.
In the hospital ............................................................................................................... 7
2.2.
Ambulance and transportation expenses...................................................................... 7
2.3.
At the General Practitioner’s ......................................................................................... 8
2.4.
At the specialist’s .......................................................................................................... 8
2.5.
At the licensed qualified health care provider’s (other than doctor) .............................. 9
2.6.
At the pharmacist’s ...................................................................................................... 10
2.7.
In the laboratory/medical imaging facility .................................................................... 11
3.
Exclusions ................................................................................................................................... 12
4.
Access to forms .......................................................................................................................... 13
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OUR SERVICES
24/7 Availability
You can reach us anytime, anywhere. If you want to know how to submit a claim or have any other
questions, or in case of emergency, you can contact us by phone or e-mail. Our contact details are
mentioned on your membership card and on your personal webpages.
Our contact details
You can reach us 24 hours a day, 7 days a week, 365 days a year. In case of emergency or if you
simply have a question, you can contact our staff in several ways. Our contact details are also
mentioned on your personal webpages and on your membership card.
Antwerp office
Miami office
www.cignahealthbenefits.com
Wbg.stc@cigna.com
+32 3 293 18 49
+1 754 22 83 024
Your personal webpages and the Cigna Health Benefits app – Access to online
information and services
All information regarding your plan is gathered on your personal webpages and the Cigna Health
Benefits app. Everything you need to know is easily available in one place that is accessible at any
time from anywhere in the world. Here you can also access our online services: you can search our
worldwide health care provider network for a doctor or hospital nearby, file a claim and consult your
settlement details.
Tip: We master all major languages in-house, so there is no need for you to translate any of the
documents you wish to send us.
Access to quality health care at preferential rates
Wherever you are, you have access to our worldwide network of health care providers. We make sure
you benefit from health care services at preferential rates. To find a provider that best suits your needs,
search our provider list by location, type of facility and/or specialty on your personal webpages.
Free choice of health care provider
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You have free choice of health care provider anywhere in the world. However, consulting a provider
from our network can be beneficial to you, as we have negotiated advantageous rates with most of our
providers.
Swift processing of your medical claims
As we have claims processing offices in three time zones, we can quickly process your queries and
handle your claims. Thanks to our high-quality services, we have a customer satisfaction rate of 98%.
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YOUR COVERAGE
1.
In general
Benefits
Description
Overall maximum
Maximum of 50,000 USD per person per lifetime
Aim
The plan covers reasonable and customary expenses of medical
and hospital treatments directly resulting from COVID-19. Proof
of a positive COVID-19 test must be provided.
The plan only reimburses treatment, supplies or other services
that are widely and generally accepted as medically necessary
and appropriate for the condition being treated, and when such
treatment, supplies or other services are prescribed by a
licensed, qualified medical professional. Cigna has the fiduciary
duty and discretionary authority to determine, on behalf of the
World Bank Group, what constitutes a benefit or a covered
service under the programme.
Reasonable and customary
Only reasonable and customary expenses are covered. This
means that only fees and prices which are commonly charged for
the treatment or purchase in question can be considered for
reimbursement, taking into account the geographical area where
the treatment is given or the item is purchased.
Furthermore, the treatment or purchase must also be reasonable
and customary from a medical point of view. This means, for
example, that the number of treatment sessions/days of
admission/dosage of medication should be medically justified.
Any excesses in this regard will be limited to the reasonable and
customary level.
Eligibility
The plan covers short-term staff members for medical expenses
related to a confirmed diagnosis of COVID-19 in their designated
duty stations. Dependents are not eligible for coverage.
Coordination of benefits
This plan is intended as a top-up for any remaining expenses
following a positive COVID-19 diagnosis and will therefore
always be secondary to other insurance plans, including social
security or other similar plan or program (governmental or
private).
In case of intervention by another insurance, the plan will
consider what the other plan has paid for a service and will apply
the normal rules to reimbursement. However, coverage will be
coordinated so it is possible for the claim to be covered 100%
when processed by both plans. Only in case you do not have any
other insurance programme, this plan will act as your primary
insurance.
Currency of reimbursement
Cigna medical plan
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Claims will be reimbursed in USD or EUR.
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Banking fees
For international transfers, Cigna pays the banking fees charged
by and until the intermediary bank. If the beneficiaries’ bank still
charges a fee for international transactions to the member, this
fee will be borne by the beneficiary of the money transfer.
Claim submission deadline
All claims must reach Cigna by December 31st, 2020
Outpatient treatment/outpatient
surgery/day case
Treatment given on an outpatient basis, where the date of
admission is the same as the date of discharge.
Inpatient treatment/hospitalisation
Treatment given on an inpatient basis, where the date of
admission differs from the date of discharge.
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2.
Summary of benefits
2.1.
In the hospital
GENERAL RULE
All treatments and medicines must be prescribed by a qualified and registered medical
doctor. The items below are reimbursed at 100%, unless indicated otherwise in the remarks.
Only treatment for a confirmed diagnosis of COVID-19 is reimbursed.
Item
Remarks
Bed and board
(USA)
•
•
100% of a semi-private room or ward
100% of a private room in case medical necessity
is demonstrated
Bed and board
(in the rest of the world)
•
•
100% of a semi-private room or ward
100% of a private room in case medical necessity
is demonstrated
Stay in the Intensive Care Unit (ICU)
100%
Doctor’s fees (surgeon, treating physician,
assistant, anaesthetist)
100%
Other hospital expenses (e.g. use of
equipment, lab, X-rays, medication for use
during the hospital admission)
100%
Accompanying person
Not covered
Outpatient surgery
Not covered
Chemotherapy, radiotherapy,
haemodialysis, etc
Not covered
2.2.
Ambulance and transportation expenses
GENERAL RULE
All treatments and medicines must be prescribed by a qualified and registered medical
doctor. The items below are reimbursed at 100%, unless indicated otherwise in the remarks.
Only treatment for a confirmed diagnosis of COVID-19 is reimbursed.
Item
Remarks
General transportation costs
Not covered
Ambulance
100%
Repatriation
Not covered
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Item
Remarks
Evacuation
Not covered
2.3.
At the General Practitioner’s
GENERAL RULE
All treatments and medicines must be prescribed by a qualified and registered medical
doctor. The items below are reimbursed at 100%, unless indicated otherwise in the remarks.
Only treatment for a confirmed diagnosis of COVID-19 is reimbursed.
Item
Remarks
Consultation
100%
Annual subscription fees
Not covered
Minor surgical intervention in a doctor’s
office
Not covered
Vaccination
Not covered
Routine physical exam
Not covered
2.4.
At the specialist’s
GENERAL RULE
All treatments and medicines must be prescribed by a qualified and registered medical
doctor. The items below are reimbursed at 100%, unless indicated otherwise in the remarks.
Only treatment for a confirmed diagnosis of COVID-19 is reimbursed.
Item
Remarks
Consultation
100%
Treatment
100%
Outpatient mental health care
Not covered
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2.5.
At the licensed qualified health care provider’s (other than doctor)
GENERAL RULE
All treatments and medicines must be prescribed by a qualified and registered medical
doctor. The items below are reimbursed at 100%, unless indicated otherwise in the remarks.
Only treatment for a confirmed diagnosis of COVID-19 is reimbursed.
Item
Remarks
A doctor’s prescription is required for care given by a person holding a paramedical degree
(e.g. nurse, physiotherapist).
Medical act (e.g. dressing wounds, giving
injections) and supervision by a nurse
100%
Nursing assistance for activities of daily
living (e.g. dressing, feeding, supervision)
Not covered
Home health care
Not covered
Dietician and nutritional counselling
Not covered
Education programmes for
diabetes/asthma/severe allergy patients, …
Not covered
Prenatal and postnatal exercises guidance
Not covered
Physiotherapy
Not covered
Alternative medicine
Not covered
Acupuncture
Not covered
Chiropractic treatment
Not covered
Podotherapy
Not covered
Speech therapy
Not covered
Psychological treatment given by a
Not covered
•
•
•
•
•
psychiatrist;
licensed psychologist;
licensed psychoanalyst;
licensed psychiatric social worker;
neurologist.
Custodial care
Not covered
Hospice care
Not covered
Relationship therapy
Not covered
Outpatient treatment for alcohol and drug
abuse
Not covered
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2.6.
At the pharmacist’s
GENERAL RULE
All treatments and medicines must be prescribed by a qualified and registered medical
doctor. The items below are reimbursed at 100%, unless indicated otherwise in the remarks.
Only treatment for a confirmed diagnosis of COVID-19 is reimbursed.
Item
Remarks
General cover of prescribed pharmaceutical 100%
products
•
•
•
containing active medical components;
and
generally medically recognised and fully
approved by the relevant legislation in
force; and
required as a result of illness, accident
or maternity.
Over-the-counter (OTC) drugs
Not covered
Food/nutritional supplements
Not covered
Vitamins and minerals
Not covered
Vitamin D
Not covered
Multivitamins
Not covered
Calcium
Not covered
Homeopathy
Not covered
Phytotherapy, herbal products
Not covered
Traditional Chinese medicine (TCM) /
Alternative medicine
Not covered
Ayurvedic treatment
Not covered
Appetite inhibitors aimed at weight loss /
dietary products
Not covered
Drugs for obesity management (Xenical,
Meridia and Reductil)
Not covered
Products aimed at quitting smoking
Not covered
Bisphosphonates/Medication to treat
osteoporosis (Fosamax, Evista etc)
Not covered
HIV/AIDS medication
Not covered
Daily care products (soap, shampoo etc)
Not covered
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2.7.
In the laboratory/medical imaging facility
GENERAL RULE
All treatments and medicines must be prescribed by a qualified and registered medical
doctor. The items below are reimbursed at 100%, unless indicated otherwise in the remarks.
Only treatment for a confirmed diagnosis of COVID-19 is reimbursed.
Item
Remarks
X-rays
100%
Magnetic Resonance Imaging (MRI)
100%
Ultrasound
100%
Electrocardiogram (ECG)
100%
Preventive routine mammography
Not covered
Preventive routine mammography for
Not covered
persons with a prior history of breast
cancer or whose mother or sister has had a
prior history of breast cancer
Mammography for diagnostic purposes
Not covered
Laboratory tests
100%
Amniocentesis
Not covered
HIV testing
Not covered
PSA testing
Not covered
Pap smear
Not covered
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3.
Exclusions
•
Expenses not related to a confirmed diagnosis of COVID-19;
•
Expenses for Personal Protective Equipment like gloves, masks or goggles;
•
Spa- and rejuvenation cures;
•
Expenses for, or in connection with, travel or transportation, whether by ambulance or otherwise,
except that charges for professional ambulance service used to transport the insured participant
between the place where he or she is injured by an accident or stricken by disease and the first
hospital where treatment is given will not be excluded;
•
Expenses that are not deemed to be reasonable and customary. The determination of the reasonable
and customary charge for each service is made by Cigna, based on the prevailing charges for the
service at the place where treatment is rendered and considering the complexity of the treatment,
including related services or supplies. Fees for treatments, supplies or services that are determined
by Cigna to be excessive compared with prevailing fee levels will be reimbursed up to the reasonable
and customary level for the geographical area in which such medical services are received;
•
Medical care that is not medically necessary or medical care that is not medically recognized as a
treatment for the diagnosis provided;
•
Products, the effectiveness of which has not been sufficiently proved scientifically and which are not
generally medically recognized in the medical world, are not covered under the health plan. One
example of this exclusion is products containing glucosamine or chondroitin sulphate;
•
Elective surgery not resulting from illness, an accident or maternity.
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4.
Access to forms
You can download various forms on your personal webpages. You can access your personal webpages
as follows:
-
Go to www.cignahealthbenefits.com and click ‘Plan members’.
-
Fill in your personal reference number and password. You’ll find your personal reference number on
your membership card (509/xxxxx).
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Responsible publisher: Cigna International Health Services BV • Plantin en Moretuslei 299 • 2140 Antwerpen Belgium • RPR
Antwerpen • VAT BE 0414 783 183
‘Cigna’ refers to Cigna Corporation and/or its subsidiaries and affiliates. Cigna International and Cigna Global Health Benefits
refer to these subsidiaries and affiliates. Products and services are provided by these subsidiaries, affiliates and other
contracted companies and not by Cigna Corporation. ‘Cigna’ is a registered service mark.
This material is provided for informational purposes only. It is believed accurate as of the date of publication and is subject to
change. Such material should not be relied upon as legal, medical, or tax advice. As always, we recommend that you consult
with your independent legal, medical, and/or tax advisors. Products and services may not be available in all jurisdictions and
are expressly excluded where prohibited by applicable law.
Copyright 2020 Cigna Corporation
The following companies provide the insurance cover in Europe:
Cigna Life Insurance Company of Europe S.A.-N.V., registered in Belgium with limited liability, Avenue de Cortenbergh 52,
1000 Brussels, Belgium. Insurance company authorised in Belgium under licence number 938.
Cigna Europe Insurance Company SA-NV., registered in Belgium with limited liability, Avenue de Cortenbergh 52, 1000
Brussels, Belgium. Insurance company authorised in Belgium under licence number 2176.
Cigna Life Insurance Company of Europe SA-NV and Cigna Europe Insurance Company SA-NV., are subject to the prudential
supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the supervision of
the Financial Services and Markets Authority (FSMA), Rue du Congrès 12-14, 1000 Brussels (Belgium), in the field of
consumer protection.
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