CIGNA HEALTHGUARD PLANS - Health Insurance Solutions

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CIGNA HEALTHGUARDPLANSSMFor Individuals residing in the Emirate of Dubaiand the Northern EmiratesThis material is intended for informational purposes only and contains a partial and general description of benefits. We recommend that you examine your (product) policyin detail to be certain of precise terms, conditions and coverage.

A PLAN THAT IS BUILTWITH YOU IN MINDHaving joined the millions of others around the world who’ve taken the huge step in life torelocate to a new country, it’s important to secure peace of mind in as many aspects of yournew life as possible – and your health comes first. Our plans have been specifically created forlocal nationals and expatriates residing and working in the Emirate of Dubai and the NorthernEmirates, ensuring you have the very best of care available to you as and when you need it.At Cigna, we specialize in health insurance policies for people just like you. It’s our mission tohelp improve your health, wellbeing and peace of mind – and everything we do is designed toachieve this.2 www.cignaglobal.com/healthguard

CONTENTSWhy choose a Cigna HealthguardSM plan4Put your health in the right hands5We have you covered5How our plans work6How to customise your Cigna HealthguardSM plan7Healthy Connect8Our Global Health Assist Programme9How Co-Pay on outpatient visits works10Area of coverage guide for Regional plan11Cigna HealthguardSM plan benefits12Cigna WellbeingTM App38Your travel safety companion39Your online customer area40www.cignaglobal.com/healthguard 3

WHY CHOOSE A CIGNA HEALTHGUARDSM PLANAt Cigna, our mission is to help the peoplewe serve improve their health, well-being andsense of security. We promise easy access toquality healthcare around the world.When it comes to staying well - physically,financially, emotionally - we’re with youall the way. We don’t just want you to feelbetter. We want you to stay that way.Our Cigna HealthguardSM plans providepeace of mind for customers worldwide.Whatever your circumstances, we are here tosee you through the good times, as well asthe hard times.We’ve provided global health insurancefor many years. Today we have 95 millioncustomer relationships in over 200 countriesand jurisdictions. Looking after them is aninternational workforce of 45,000 people,plus a medical network comprising of over1 million partnerships, including 122,000behavioural health care professionals, and14,000 facilities and clinics.We have partnered with Neuron to giveyou the best possible access to healthcareproviders in the UAE, based on a tierednetwork of healthcare providers.4 www.cignaglobal.com/healthguardNeuron is one of the leading third partyadministrators (TPA) in the Middle Eastregion delivering quality healthcareadministrative services and businesssolutions amongst regional and internationalinsurance companies and several multinational self-funded organisations. Moreover,their experience in the healthcare sector inthe region for over a decade has resulted inan extensive provider network.Our partnership combines a comprehensiveregional network with Cigna’s extensiveglobal network, meaning not only do wehave you covered in the UAE, but also whenyou are travelling for business and pleasureacross the globe.Our goal is to provide you with easy accessto quality care worldwide.We have created flexible health plans for theEmirate of Dubai and the Northern Emiratesthat you can tailor to your specific needs.Read on to find out more about what wehave to offer.

PUT YOUR HEALTH IN THE RIGHT HANDSA healthcare plan specificallydesigned for you and your familyif you are living or working in theEmirate of Dubai or the NorthernEmiratesProactively manage you andyour family’s health with ourHealthy Connect optionalmoduleCompliance with local regulatoryrequirementsQuick and easy access to healthcarefacilities and professionals around theworld through our extensive network24 hours a day, 7 days a week,365 days a yearWE HAVE YOU COVEREDPre-existing conditionsOut of area emergency careOur plans provide cover for pre-existingand chronic conditions. Any preexisting conditions will be reviewed byus. The outcome of our decision will becommunicated to you during the applicationprocess in our underwriting summary form.Please let us know about any pre-existingconditions or chronic conditions as partof your application, as any undisclosedconditions could result in us not payingclaims for those conditions.For additional peace of mind, your planincludes emergency short-term medicalcoverage when you are visiting a locationoutside of your selected area of coverage.Beneficiaries will be covered for emergencytreatment during temporary trips, even ifthose trips are outside your selected area ofcoverage.www.cignaglobal.com/healthguard 5

HOW OUR PLANS WORKOur Healthguard plans comprise of 3 distinct levels of cover. Depending on where you will betravelling to and your budget, we have a plan to suit your needs.Our International and International Plus plans provide cover for worldwide travel with the optionto select the Worldwide including USA area of cover. The International plan has a generous overallbenefit maximum of AED 7,350,000 and the International Plus plan, our most comprehensiveplan, has higher individual benefit limits and an unlimited overall annual maximum.The Regional plan, the lower tier among our 3 plans, has an overall annual maximum of AED2,750,000. This plan not only covers you in the United Arab Emirates and the wider Middle Eastbut extends across Asia (with the exceptions of Hong Kong, China and Singapore). This is idealfor individuals who do not intend on travelling outside of Asia.After you have decided which plan suits your needs best, you can select your Network Tier fromone of our four choices: General, General Plus, Comprehensive excluding American Hospital Dubai(AHD), or Comprehensive.Our three Cigna HealthguardSM plans at a glanceRegionalInternationalInternational PlusCoverage within thecountries of the GCC,other Middle East andAsia countries (excludingSingapore, Hong Kongand China)Worldwide coveragewith the option toinclude cover in theUSAWorldwide coveragewith the option toinclude cover in theUSAOverall annual benefitmaximum: AED2,750,000Overall annual benefitmaximum: AED7,350,000Unlimited overallannual benefitmaximum*Option to include ourHealthy Connect moduleOption to include ourHealthy Connect moduleOption to include ourHealthy Connect moduleOption to Include ourMother and Baby Caremodule**Option to Include ourMother and Baby Caremodule**Option to Include ourMother and Baby Caremodule***Some benefits have individual limits.**Eligibility criteria apply.6 www.cignaglobal.com/healthguard

HOW TO CUSTOMISE YOUR CIGNAHEALTHGUARDSM PLAN1SELECT YOUR AREA OF COVERRegionalInternationalGCC, other Middle East countries and Asia(excl. Singapore, Hong Kong and China)Worldwide excluding USA orWorldwide including USAHealthguard Regional PlanHealthguard International orInternational Plus planAnnual maximumUp to the maximum amount per beneficiary per period of coverRegional: AED 2,750,000International: AED 7,350,000International Plus: Unlimited2CHOOSE YOUR NETWORK TIERGeneralExcludes highcost hospitals3General PlusExcludes some of thehigh cost hospitalsComprehensiveAccess to all ourhospitals within UAEEXTEND YOUR COVERAGEHealthy ConnectOptional module4Comprehensive Excl. AHDExcluding AmericanHospital Dubai (AHD)Mother and Baby CareOptional module*MANAGE YOUR PREMIUMYou can choose to apply an optional Co-Pay in relation to outpatient visits:0%10% up to AED 50 per outpatient visit20% up to AED 100 per outpatient visitThe higher the Co-Pay, the lower your premium will be. See page 10 for a fullexplanation of how Co-Pay on outpatient visits works.5PAY FOR YOUR PLANYou can choose to pay for your premiums on a quarterly orannual basis. You can make payments by debit or credit card, oralternatively if you pay annually, you can pay by bank wire transfer.*See page 35 for further detailswww.cignaglobal.com/healthguard 7

Our plans include the following as standard:Inpatient & daypatienthospital treatment andaccommodationOutpatientconsultations,diagnostic tests &prescribed drugsMental health careMaternity careCover forPre-existing andchronic conditionsOut of areaemergency coverAnd many more benefits.HEALTHYCONNECTOptional moduleIn addition to the core medical offering, our HealthyConnect optional module includes a wide range ofbenefits that will help you take control and pro-activelymanage the health and wellbeing of you and yourfamily. The benefits range from comprehensive dentaltreatment, eye examination, enhanced health screeningsand tests, life management assistance and dieteticconsultations. What's more, we understand that thereare times when you would prefer to have treatment in afamiliar surrounding with family members close by; forthose beneficiaries whose country of nationality is notthe UAE, Healthy Connect also includes a Return homecash benefit, making it possible to return home,should the need arise.8 www.cignaglobal.com/healthguardWellness tests and screenings enhanced physical examination,cancer screenings and counsellingserviceDental care - including:preventative, routine and majorrestorative treatmentVision care - eye tests and help withcosts for prescription glassesReturn home cash benefit - helpingyou with costs to return home fortreatment should the need arise

OUR GLOBAL HEALTH ASSIST PROGRAMMEOur unique Global Health Assist programme is carried out by our dedicated team of doctorsand nurses, who work hand in hand with customers with serious or complex health conditions tobring them the full medical support they deserve.We are dedicated to helping you and your family live happier, healthier lives with an unparalleledlevel of clinical expertise, which grants all beneficiaries access to:.DECISION SUPPORT PROGRAMMEWe provide our customers withaccess to speak with a doctor ornurse. This can offer an internationalsecond opinion service or simplereassurance to our customers atwhat can often be a sensitive andpotentially emotional time. Includedwithin this service may be anindependent view on theirdiagnosis or treatment plan.NURSE COMPLEX CASE MANAGEMENTWhen treatment is more complex,our nurses can take over the caseproviding clinical guidance andreassurance. In addition, thatnurse can become the beneficiary’sdedicated point of contactthroughout the treatment process.Our Global Health Assist service works witha proactive and personalised approach tomanage complex health conditions. Our decision support programme;Our qualified nurses from the Clinical team willimmediately contact customers suffering frompre-existing conditions or serious illnesses andconfirm a personalised and dedicated point ofcontact for the customer, and you will receivepersonalised support and information about: Hospital visits and accessing the right levelof healthcare; Medical network/preferred providerinformation; Detailed coverage information; Personalised support and casemanagement and; Global Care On Demand.www.cignaglobal.com/healthguard 9

HOW CO-PAY ON OUTPATIENT VISITS WORKSCo-Pay is the percentage of each outpatientvisit which a beneficiary must pay themselves.You will be responsible for paying the amountof Co-Pay directly to the healthcare provider.The healthcare provider will let you knowwhat this amount is. Your Certificate ofInsurance and Medical ID Cards will detail anyCo-Pay applicable.For your added protection, there is a limiton the Co-Pay amount you will pay for everyoutpatient visit. If you have selected a 10%Co-Pay, the maximum amount you will payfor an outpatient visit is AED 50. If you haveselected a 20% Co-Pay, the maximum amountyou will pay for an outpatient visit is AED 100.Please see how the optional Co-Pay in relationto outpatient visits will apply for the followingexamples. For further details, please refer toClause 18 in the Customer Handbook.EXAMPLE 1: HEALTHGUARD REGIONAL PLAN –OUTPATIENT VISITCo-Pay Selected: 20% up to a maximum of AED 100 per visitVisit to a provider for the following Outpatient benefits on thesame day:››››consultation with medical practitioner (AED 350)multiple diagnostic tests (AED 1,180)Total Visit value: AED 1,530EXAMPLE 2: HEALTHGUARD INTERNATIONAL PLAN –OUTPATIENT VISITSCo-Pay Selected: 20% up to a maximum of AED 100 per visitVisit to a provider for the following Outpatient benefits on thesame day:››››consultation with medical practitioner (AED 350)multiple diagnostic tests (AED 300)Next visit to the same provider for further Outpatient benefitson a different day:››multiple diagnostic tests (AED 880)Total Visits value: AED 1,530EXAMPLE 3: HEALTHGUARD INTERNATIONALPLUS PLAN – OUTPATIENT VISITSCo-Pay Selected: 10% up to a maximum of AED 50 per visitVisit to a provider for the following Outpatient benefits on thesame day:›› consultation with medical practitioner (AED 350)›› 1st physiotherapy session (AED 600)9 visits to the same provider for further Outpatient benefits ondifferent days:›› 9 physiotherapy sessions (AED 5400)Total Visits value: AED 6,350YOU PAYAED 100WE PAYAED 1,430WHAT THIS MEANS FOR YOU.Your selected Co-Pay is 20% which meansthe amount you would normally pay for thisvisit is AED 306. However, the amount youpay for each outpatient visit is capped atAED 100, so that your contribution is limitedat AED 100.YOU PAYAED 200WE PAYAED 1,330WHAT THIS MEANS FOR YOU.Your selected Co-Pay is 20% whichmeans the amount you would normallypay for these visits is AED 306. However,the amount you pay for each outpatientvisit is capped at AED 100, so that yourcontribution is limited at AED 200(2 * AED 100).YOU PAYAED 500WE PAYAED 5,850WHAT THIS MEANS FOR YOU.Your selected Co-Pay is 10% which meansthe amount you would normally pay forthese visits is AED 635. However, theamount you pay for each outpatient visit iscapped at AED 50, so that yourcontribution is limited at AED 500(10 * AED 50).Important note:A mandatory Co-Pay of 10% applies to routine maternity, medically necessary caesarean and complicationsarising from maternity and childbirth (non-life threatening) benefits across all plans. These treatments coveredon an inpatient and daypatient basis are not subject to the associated limit of AED 50 applicable for the optionalCo-Pay in relation to outpatient visits.A mandatory Co-Pay also applies to some of the dental benefits in the optional Healthy Connect module. TheCo-Pay applicable to major restorative dental treatment and orthodontic treatment benefits are not limited to aspecific amount for these treatments.10 www.cignaglobal.com/healthguard

AREA OF COVERAGE GUIDE FOR REGIONAL PLANThe Regional plan includes the following countries:Gulf Corporation Council(GCC) countries*:Other Middle East and Asia countries:Kingdom of BahrainState of KuwaitSultanate of OmanState of QatarKingdom of Saudi ArabiaUnited Arab Emirates (UAE)ArmeniaAzerbaijanBangladeshBhutanBrunei DarussalamCyprus/Northern khstanKuwaitKyrgyzstanLao People’s sSouth KoreaSri menistanYemenUzbekistanVietnam*Which at the date of publication include the following countries.The following countries in Asia are not included in the Healthguard Regional plan:Not included in the Healthguard Regional planSingaporeHong KongChinaImportant noteNotwithstanding the foregoing areas of cover, we will not pay claims for services receivedin sanctioned countries if doing so would violate the requirements of the United NationsSecurity Council, the European Union or the United States Department of Treasury’s Officeof Foreign Assets Control.www.cignaglobal.com/healthguard 11

HEALTHGUARD PLAN BENEFITSOur Healthguard plans comprise of three levels of cover. The Regional plan provides coveragewithin the countries of the Gulf Cooperation Council (GCC), other Middle East countries and Asia(excluding Singapore, Hong Kong and China).The International and International Plus plans provide cover Worldwide excluding the USA asstandard, however, you may select the Worldwide including the USA coverage additional option.The table below details the level of cover you can choose. All benefits detailed as ‘Paid in full’ aresubject to the overall annual benefit maximum with the exclusion of the Medical Evacuation andRepatriation service benefits. All the outpatient benefits detailed as ‘Paid in full’ are also subject toany Co-Pay amounts if you have selected an optional Co-Pay in relation to any outpatient benefit.All amounts apply per beneficiary per period of cover (except where otherwise noted).Our plans are designed to cover for inpatient, daypatient, accommodation costs, outpatient careand treatments, as well as cover for cancer, maternity, mental health care and much more. Inaddition to the core medical offering, you have the possibility to add our Healthy Connect andMother and Baby Care optional modules.Please note benefit limits displayed in USD ( ) are for illustrative purposes only and have beenrounded.LIST OF BENEFITSYOUR OVERALL MAXIMUMAnnual overall benefit - maximum perbeneficiary per period of coverIncludes all inpatient, daypatient and ONALPLUSAED 2,750,000( 750,000)AED 7,350,000( OUR NETWORK AND AREA OF COVERAGEREGIONALHealthcare provider network in the UAESelect your Network Tier from the 4 choices:GeneralGeneral PlusComprehensive excluding American Hospital Dubai (AHD)ComprehensiveA full list of our network of healthcare providers is available in your online Customer Area.Please note, in the following circumstances direct payment to the provider may not be possible and a reimbursementwill apply, up to the maximum amount per benefit per period of cover:››››››No network exists within area of coverageEmergency treatmentThe treatment required is not available in the network of healthcare providers.12 www.cignaglobal.com/healthguard

REGIONALNetwork of healthcare providersDirect paymentto providers inthe UAEOut of networkpenalty in theUAE - 20%*INTERNATIONALINTERNATIONALPLUSDirect payment to providers in theUAEOut of network penalty in the UAEand the USA - 20% *If a beneficiary receives treatment in the UAE or the USA (if applicable) and the provider is not part of the healthcareprovider network, we will reduce any amount we pay by 20%.*Please note there are occasions when this may not apply, including:››Where there is no Cigna network of healthcare providers within 30 miles / 50 kilometres of the beneficiarieshome address.››When the treatment the beneficiary needs is not available from a local network hospital, medical practitioner orclinic.››In the event emergency treatment is required at a hospital, medical practitioner or clinic that is not part of theCigna network.››The Cigna network of healthcare providers is used outside of the UAE or the USA (if applicable).REGIONALUSA area of coverage optionNot applicableINTERNATIONALINTERNATIONALPLUSWorldwide excluding the USA or;Worldwide including the USAChoose to include the USA area of coverage (International and International Plus plans only)REGIONALOut of Area Emergency CoverUp to the total limit shown for your selected plan perbeneficiary per period of cover.AED 180,000( 50,000)INTERNATIONALINTERNATIONALPLUSAED 280,000( 75,000)AED 500,000( 135,000)Not applicable if you have selected theWordwide including the USA coverageoption.Emergency inpatient, daypatient or outpatient medical treatment during temporary business or leisure trips outsideyour area of coverage.Important notes:››The medical condition requiring emergency treatment must not have existed prior to the travel and thebeneficiary must have been treatment, symptom, and advice free of the medical condition prior to initiating thetravel.››Coverage is limited to a maximum period of 30 days per trip and a maximum of 60 days per period of cover forall trips combined.››Charges relating to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth are excludedfrom this Out of Area Emergency Cover.www.cignaglobal.com/healthguard 13

YOUR STANDARD MEDICAL BENEFITSINPATIENT & DAYPATIENT BENEFITSPlease note, there are some benefits detailed below that include outpatient treatment. Therefore, a Co-Pay (if selected)will apply for such treatments.Hospital charges for:nursing care, accommodation on a private room basisfor inpatient and daypatient treatment and recoveryroom including emergency treatment.Up to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.REGIONALINTERNATIONALINTERNATIONALPLUSPaid in fullStandardprivate roomPaid in fullStandardprivate roomPaid in fullStandardprivate room››We will pay for nursing care and accommodation whilst a beneficiary is receiving inpatient or daypatienttreatment; or the cost of a treatment room while a beneficiary is undergoing outpatient surgery, if one isrequired.››We will only pay these costs if: it is medically necessary for the beneficiary to be treated on an inpatient or daypatient basis; they stay in hospital for a medically appropriate period of time; the treatment which they receive is provided or managed by a specialist.››If a hospital’s fees vary depending on the type of room which the beneficiary stays in, the maximum amountwhich we will pay is reasonable and customary costs in line with appropriate costs in that area, based on astandard single room with a private bathroom or equivalent.››If the treating medical practitioner decides that the beneficiary needs to stay in hospital for a longer period thanwe have approved in advance, or decides that the treatment which the beneficiary needs is different to thatwhich we have approved in advance, then that medical practitioner must provide us with a report, explaining:how long the beneficiary will need to stay in hospital; the diagnosis (if this has changed); and the treatmentwhich the beneficiary has received, and needs to receive.Hospital charges for:operating theatre, prescribed medicines, drugs anddressings and surgeons’ and anaesthetists’ fees on aninpatient and daypatient basis.Up to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.REGIONALINTERNATIONALINTERNATIONALPLUSPaid in fullPaid in fullPaid in fullOperating theatre costs:››Costs and charges relating to the use of an operating theatre, if the treatment being given is covered under thispolicy.Medicines, drugs and dressings:››Medicines, drugs and dressings which are prescribed for the beneficiary whilst he or she is receiving inpatient ordaypatient treatment.››Medicines, drugs and dressings which are prescribed for use at home will be covered under the limits ofthe prescribed drugs and dressing limit in Outpatient benefits (unless they are prescribed as part of cancertreatment).Intensive care:REGIONALINTERNATIONALINTERNATIONALPLUSUp to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.Paid in fullPaid in fullPaid in fullincluding intensive therapy, coronary care and highdependency unit.Treatment in an intensive care, intensive therapy, coronary care or high dependency facility if:››››››that facility is the most appropriate place for them to be treated;the care provided by that facility is an essential part of their treatment; andthe care provided by that facility is routinely required by patients suffering from the same type of illness or injury,or receiving the same type of treatment.14 www.cignaglobal.com/healthguard

Surgeons’ and Anaesthetists’ feesREGIONALINTERNATIONALINTERNATIONALPLUSUp to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.Paid in fullPaid in fullPaid in fullInpatient or daypatient costs for:››››surgeons’ and anaesthetists’ surgery fees; andsurgeons’ and anaesthetists’ fees in respect of treatment which is needed immediately before or after surgery(i.e. on the same day as the surgery).Specialists’ consultation feesREGIONALINTERNATIONALINTERNATIONALPLUSUp to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.Paid in fullPaid in fullPaid in fullRegular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is requiredby medical necessity.We will pay for consultations with a specialist during stays in a hospital where the beneficiary:›› is being treated on an inpatient or daypatient basis;››››is having surgery; orwhere the consultation is a medical necessity.Companion Accommodation(per night)Up to the total limit shown per night for your selectedplan per beneficiary per period of AED 100( 28)AED 100( 28)AED 200( 56)The cost of accommodation of a person accompanying an inpatient beneficiary in the same room in cases ofmedical necessity at the recommendation of the treating doctor.Hospital accommodation for a parent or legalguardian (per night)Up to the total limit shown per night for your selectedplan per beneficiary per period of cover or where “paidin full” is shown this is up to the annual overall benefitmaximum for your selected plan per beneficiary perperiod of cover.REGIONALINTERNATIONALINTERNATIONALPLUSAED 500( 135)AED 1,000( 270)Paid in fullIf a beneficiary who is under the age of 18 years old needs inpatient treatment and has to stay in hospital overnight,we will also pay for hospital accommodation for a parent or legal guardian, if:››››accommodation is available in the same hospital; andthe cost is reasonable.We will only pay for hospital accommodation for a parent or legal guardian if the treatment which the beneficiary isreceiving during their stay in hospital is covered under this policy.www.cignaglobal.com/healthguard 15

Transplant services for organ, bone marrowand stem cell p to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.Paid in fullPaid in fullPaid in fullWe will pay for inpatient treatment directly associated with an organ transplant, for the beneficiary if:››the transplant is medically necessary, and the organ to be transplanted has been donated by a member of thebeneficiary’s family or comes from a verified and legitimate source.We will pay for anti-rejection medicines following a transplant, when they are given on an inpatient basis.We will pay for inpatient treatment directly associated with a bone marrow or peripheral stem cell transplant if:››››the transplant is medically necessary; andthe material to be transplanted is the beneficiary’s own bone marrow or stem cells, or bone marrow taken from averified and legitimate source.We will not pay for bone marrow or peripheral stem cell transplants under this part of this policy if the transplantsform part of cancer treatment. The cover which we provide in respect of cancer treatment is explained in other partsof this policy.If a person donates bone marrow or an organ to a beneficiary, we will pay for:››››››››the harvesting of the organ or bone marrow;any medically necessary tissue matching tests or procedures;the donor’s hospital costs; andany costs which are incurred if the donor experiences complications, for a period of 30 days after theirprocedure; whether or not the donor is covered by this policy.The amount which we will pay towards a donor’s medical costs will be reduced by the amount which is payable tothem in relation to those costs under any other insurance policy or from any other source.If a beneficiary donates an organ for a medically necessary transplant, we will cover the medical costs incurred bythe beneficiary associated with this donation up to any policy limits. However, we will only pay for the harvesting ofthe donated organ if the intended recipient is also a beneficiary under this plan.We will consider all medically necessary transplants. Other transplants (such as transplants which are considered tobe experimental procedures) are not covered under this policy.Important note:A Co-Pay (if selected) will apply for all outpatient treatment related to this benefit.A beneficiary must contact us and get approval in advance before they incur any costs relating to organ, bonemarrow or stem cell donation or transplant.Kidney dialysisREGIONALINTERNATIONALINTERNATIONALPLUSUp to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.Paid in fullPaid in fullPaid in fullTreatment for kidney dialysis will be covered if such treatment is available.››››We will pay for this on an inpatient or daypatient basis.We will pay for kidney dialysis treatment outside the beneficiary’s country of habitual residence if the countrywhere that treatment is provided is within the beneficiary’s selected area of coverage. We will pay for this on adaypatient basis. Travel and accommodation expenses incurred in connection with such treatment will not becovered.Pathology, radiology anddiagnostic testsREGIONALINTERNATIONALINTERNATIONALPLUSUp to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.Paid in fullPaid in fullPaid in fullTests which are medically necessary and are recommended by a specialist as part of a beneficiary’s hospital stay forinpatient or daypatient treatment, including:››››››››››blood and urine tests;X-rays;ultrasound scans;electrocardiograms (ECG); andother diagnostic tests.16 www.cignaglobal.com/healthguard

Advanced medical imagingREGIONALINTERNATIONALINTERNATIONALPLUSUp to the annual overall benefit maximum for yourselected plan per beneficiary per period of cover.Paid in fullPaid in fullPaid in fullWe will pay for the following scans if they are recommended by a specialist as

Why choose a Cigna HealthguardSM plan 4 Put your health in the right hands 5 We have you covered 5 How our plans work 6 How to customise your Cigna HealthguardSM plan 7 Healthy Connect 8 Our Global Health Assist Programme 9 How Co-Pay on outpatient visits works 10 Area of coverage guide for Regional plan 11 Cigna HealthguardSM plan benefits 12

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