HONG KONG. CignaPrime Health Care Plan. Embark on your Cigna journey. Offered by Cigna Health and Life Insurance Company, or its affiliates.

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1 Offered by Cigna Health and Life Insurance Company, or its affiliates. HONG KONG CignaPrime Health Care Plan /14 Embark on your Cigna journey

2 Our Mission: To help the people we serve improve their health, well-being, and sense of security

3 Flexible benefits. Premium service. Affordably priced. You expect the best from your employees on assignment in another country. And they expect the same from you. That s where Cigna comes in. If you ve got it, flaunt it. Check out these credentials When it comes to international health care benefits, you can trust Cigna Global Health Benefits. Cigna offers you innovative products and services built upon more than 35 years of experience in global benefits. By operating in 30 countries and jurisdictions around the world, Cigna has expertise in international underwriting and global medical protocols with an emphasis on international regulatory compliance. In Hong Kong, Cigna Global Health Benefits are provided under insurance policies distributed and underwritten by Cigna Worldwide Life Insurance Company Limited which is licensed by the Hong Kong Insurance Authority to carry on long-term insurance business in or from Hong Kong. In partnership with Quality HealthCare Medical Services (QHMS), your employees will experience worldclass customer service delivered locally with access to an extensive network of doctors, clinics and hospitals. Together with the rest of the doctors and hospitals in our network, Cigna will provide your employees with easy access to quality care worldwide. What sets us apart is our: Expertise in delivering locally compliant plans World-class customer service Cost-effective and comprehensive plans Improvement of health and well-being Easy access to quality health care around the world Cigna continues to raise the bar by providing exceptional health and well-being plans. Targeted Risk Assessment Assessment covers sleep, stress, nutrition, and physical activity. It provides an in-depth assessment and a highly personalized report for the individual. The basics and then some You have various plan options to choose from for your globally mobile employees. We believe global health care plans should include more niche services and tools then what may normally be considered as essential for locals living and working in their home country. Cigna s basic services and tools include: 24/7/365 Global Service Centers: Your employees will have access to our multilingual service center representatives and our team of medical professionals around the clock. We have eight different Service Centers around the world providing seamless customer service, but your employees only need to call one phone number. Extensive Global Network: Our network consists of more than one million doctors and hospitals including: zcignalinks partnerships with local doctors, hospitals, and insurers with the strength of local provisions and administration znon-u.s. network: 220,000+ doctors and hospitals zextensive U.S. Preferred Provider Organization (PPO): The only insurance provider to offer a unique holistic solution in the U.S. with access to medical, dental, and pharmacy networks: 232,000+ dental access points in the U.S. 795,000+ doctors and hospitals in the U.S. 74,000+ behavioral specialist locations in the U.S. Making your employee s lives easier with guarantees of payment. Online Health Improvement Programs Individual online programs for sleep, stress, nutrition and physical activity. International Employee Assistance Program (IEAP) Access to free, confidential assistance with any work, life, personal, or family issue. Anytime, any day, your employees can contact us for assistance including shortterm professional counseling, resources, referrals, and information. With a single phone call, we will assist your employees whenever they need us most. We will arrange for payment directly to a doctor or hospital for covered services, leaving your employees to concentrate on a speedy recovery. 1

4 The basics and then some (cont d) Cigna Envoy : Our website ( offers you and your employees a wide range of services and information including: zid Cards: View or print ID cards anytime, anywhere. zhealth Care Professional Directory: Find contact information for health care professionals and hospitals around the world, and maps and directions for the U.S. Cigna network of doctors. zunderstanding Your Coverage: View the info you need, from an explanation of your plan benefits to Frequently Asked Questions. zclaims Management: Submit, monitor and track payment on your health care claims through Cigna Envoy. zepayment Plus : Get reimbursed fast! Sign-up and have your payments deposited directly into your account. zwhat to Know When Travelling: View country guides, drug translations, pharmacy information and medical terms and translations Clinical Expertise: Your employees health and wellbeing can impact human performance. Our clinical team includes nurses, doctors and medical directors located around the globe to support your employees around the clock. In partnership with the world-renowned Cleveland Clinic, we provide expert online medical second opinions should someone receive a life-threatening or life-altering diagnosis. Expert Opinion: We offer long-term, cost-effective and compliant solutions for you and your employees. A client manager will be assigned to help you by answering your questions and investigate ways to reduce your costs. Here are some examples of how: zmedical cost containment by means of agreed fee schedules and discounts at our comprehensive doctors and hospitals network zthorough and accurate claims processing zreduction of double coverage requirements by integrating with government sponsored and local plans, where possible zproviding easy and efficient administration 2

5 CignaPrime Health Care Plan Core plan benefits: You have the choice in selecting an available standard medical plan option that will best suit your needs. Highlights of our standard offering includes coverage for: Inpatient/Day Case benefits Outpatient benefits Well child tests Acute and chronic conditions HIV/AIDS Care+ Benefits - Health and Well-being Assessment, International Employee Assistance Program and Expert Second Opinions. then add the features you want: Cigna gives you the ability to add a wide variety of options to your plan, including: Comprehensive coverage including or excluding the U.S. International emergency services 100% coverage or coinsurance Limits - annual maximum, outpatient maximum, alternative therapy maximum, maternity, and more Dental Vision Adult wellness benefits Maternity - flexible plan variations Health and Wellness upgrade which consists of Targeted Risk Assessment, Online Health Improvement Programs, International Employee Assistance Program 3

6 Cigna offers you innovative products and services 4

7 Coinsurance Options: Inpatient None (as shown below), 10%, 20% or 30% Outpatient None (as shown below), 10%, 20% or 30% Plan Annual Maximum per member or dependent Inpatient/Day Cases Benefits Hospital charges for: Nursing and accommodation for inpatient treatment Day case treatment Operating theatre and recovery room Prescribed medicines, drugs and dressings for in-patient or day case patient Parental accommodation This applies to dependent children under the age of 18. Cigna will pay for reasonable costs for a parent staying in the same hospital with the child. Surgeons and anaesthetists fee Specialist physician s fees This benefit is paid in full for regular visits by a specialist physician during stays in the hospital including intensive care by a specialist physician for as long as is required by medical necessity. Surgical procedures Radiotherapy, chemotherapy, oncology and physiotherapy Radiology and pathology Home nursing charges This benefit will be paid: If recommended by a specialist immediately after hospital treatment for as long as is required by medical necessity; On a full-time basis for as long as is required by medical necessity for treatment which would normally be provided in a hospital Surgical appliance and/or medical appliance This benefit will be paid in respect of: An artificial limb, prosthesis or device which is inserted during surgery; An artificial prosthesis or device which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity; A prosthesis or appliance which is medically necessary and is part of the recuperation process on a short-term basis CignaPrime Health Care Plan USD 250K 500K 750K 1M 2M 5M 7.5M Unlimited Option A: Private Room Benefit Limit Organ transplant This benefit requires pre-approval HIV/AIDS Treatment or tests in connection with Human Immunodeficiency Virus (HIV) related illness including Acquired Immune Deficiency Syndrome (AIDS) Psychiatric and psychological care This benefit will be paid in respect of psychiatric conditions, other mental disorders or addictive conditions for a maximum of 180 days in any one. Private ambulance This benefit is payable for transport to or from a hospital when ordered for medical reasons. International emergency services Emergency medical evacuation Medical repatriation Repatriation of mortal remains This benefit requires pre-approval or Option B: Semi-Private Room Outpatient Benefits Outpatient Option 1 Outpatient Option 2 Outpatient Annual Maximum per member or dependent USD 5K 10K 20K No Maximum No Outpatient Maximum Consultations with medical practitioners and specialists Alternative therapies This benefit includes: physiotherapy, acupuncture, chiropody, osteopathy, homeopathy, and appropriate treatment received from registered Chinese medicine practitioner., or Select one limit option applicable per : 10 sessions, 20 sessions, 30 sessions, $250, $500, $1,000, $2,000 Chiropractic services Cancer treatment - This benefit includes: oncology, chemotherapy and radiotherapy and other outpatient treatment directly associated with a cancer condition. HIV/AIDS Treatment or tests in connection with Human Immunodeficiency Virus (HIV) related illness including Acquired Immune Deficiency Syndrome (AIDS) Hormone replacement therapy Non-surgical and minor surgical procedures and treatment Prescribed medicines, drugs and dressings Adult travel vaccinations This benefit will be payable for vaccinations related to travel. Emergency dental treatment This benefit will be payable for treatment received during the emergency visit immediately after accidental damage to natural teeth. Psychiatric and psychological care Child wellness tests This benefit will be payable for dependent children aged 6 and under, with immunization covered up to age 18. Up to $1,500 per year of insurance or Child annual eye and hearing tests One eye test and one hearing test for children under the age of 15 Death Benefit Death benefit This applies to eligible employees only. Note: $ = U.S. dollars 5 Benefit Limit $650 per Employee

8 Now, select your plan options 6

9 Coinsurance Options: None (as shown below), 10%, 20% or 30% Maternity Benefits Routine inpatient This benefit is payable to eligible females covered under this plan, and includes elective Caesarean sections. Routine outpatient Complicated inpatient This benefit is payable to eligible females covered under this plan, and includes non-elective Caesarean sections. Complicated outpatient CignaPrime Maternity Options Benefit Limit Option A up to 3k, 8k, 10k, 12k, 16k, Unlimited up to 3k, 8k, 10k, 12k, 16k, Unlimited Benefit Limit Option B up to 3k, 8k, 10k, 12k, 16k, Unlimited Note1: Unlimited = No individual benefit limit, but is subject to the plan annual maximum if applicable. Note2: Outpatient annual maximum does not apply to the above Maternity Benefits. CignaPrime Adult Wellness Options Adult Wellness Benefits Option A Option B Option C Adult Wellness Annual Maximum per member or dependent Routine adult physical exams This benefit will be paid for, or in connection with, routine physical examinations for members/dependants over the age of 18 years old Pap smear Cigna will pay charges for an annual Papanicolaou screening Up to $450 per Up to $900 per Up to $1,350 per Prostate cancer screening Cigna will pay charges for an annual prostate cancer screening for eligible males over 50 years old. Mammograms for breast cancer screening or diagnostic purposes This benefit will be paid in respect of: One baseline mammogram for asymptomatic women aged A mammogram for asymptomatic women aged every two years or more if medically necessary. A mammogram every year for women aged 50 and over. Note1: $ = U.S. dollars Note2: Outpatient annual maximum does not apply to the above Adult Wellness Benefits CignaPrime Dental Options Dental Benefits Option A Option B Option C Option D Option E Dental Annual Maximum - per member or dependent Class One Investigative and Preventative Treatment Benefits include: X-rays, Scale and Polish. Class Two Basic restorative treatment, Periodontal treatment and treatment of dental injury. Benefits include: Root canal treatment, extractions, surgical procedures, occasional treatment, anaesthetics, periodontal treatment. Class Three Major Restorative. Benefits include: Dentures acrylic/synthetic, metal and metal/ acrylic, Crowns, inlays, mouthguard or occlusal splint. Orthodontic Treatment Maximum benefit for dependant children under the age of 18. Up to $500 per Up to $1,500 per Up to $1,500 per Up to $3000 per Up to $4,500 per 80% Refund 80% Refund 80% Refund 80% Refund 80% Refund 50% Refund 80% Refund 50% Refund 50% Refund Note1: $ = U.S. dollars Note2: yexamination and scale & polish will both be limited to 2 visits per. yfull case assessment will be limited to one per. 50% Refund $900 per year of insurance 50% Refund $900 per year of insurance 50% Refund $1,200 per year of insurance 50% Refund $1,800 per year of insurance yx-rays will be limited to four bitewings and six intra oral per year of insurance and OPG every 3 years yprolonged periodontal treatment limit of one course per. CignaPrime Vision Options Vision Benefits Option A Option B Option C Option D One eye examination per by an Optometrist or an Ophthalmologist Expenses for Lenses to correct vision, Eyeglass frames, Prescription sunglasses. $150 per year of insurance $300 per year of insurance $600 per year of insurance Note: $ = U.S. dollars 7

10 Give Your Business The Advantage At Cigna Global Health Benefits, we work in partnership with you to advise on, deliver, and implement a wholly compliant health care program that is specifically aligned with your global and strategic objectives. With our wealth of experience and global presence, your employees can have easy access to quality health care, and an outstanding, high-touch, conciergelevel of support - wherever they are in the world. 8

11 CignaPrime Health Care Plan CignaPrime Health Care Plans are designed for employees on international assignment. To learn more, contact: Cigna Global Health Benefits (Hong Kong) Anthony Hidell Sales & Client Management Director Leon Chan Sales Manager Direct: Fax: OR Direct: Fax: Cigna Worldwide Life Insurance Company Limited Level 14 and 15, 28 Hennessy Road, Wanchai, Hong Kong

12 Please note: The plan details in this brochure is to facilitate your understanding of our product only. It does not form a part of the insurance contract. For more details, please contact your healthcare benefits manager or Cigna representative. Cigna refers to Cigna Corporation and/or its subsidiaries and affiliates. Cigna Global Health Benefits refers 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 or medical advice. As always, we recommend that you consult with your independent legal and/or medical advisors. Products and services may not be available in all jurisdictions and are expressly excluded where prohibited by applicable law. Cigna Global Health Benefits web-based tools, such as CignaEnvoy, are available for informational purposes only. Cigna Global Health Benefits web tools are not intended to be a substitute for proper medical care provided by a physician. References to non-partnered organizations or companies, and/or their products, processes or services, do not necessarily constitute an endorsement or warranty thereof. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorised personnel. Copyright 2014 (Cigna Corporation) Cigna Global Health Benefits is a United States registered trademark owned by Cigna Intellectual Property, Inc / Cigna. Some content provided under license.