International Health Insurance

Our Global Health Options offers: Worldwide including USA, Worldwide excluding USA, we now have Close Care plan, which only covers locally and country of nationality. USA nationals have the option of just local or can pay extra for USA.

If you choose Worldwide including USA you can receive treatment anywhere in the world. If you choose Worldwide excluding USA, you can receive treatment anywhere except in the USA. In the USA, if prior approval is obtained, but the beneficiary decides to receive treatment at a hospital, medical practitioner or clinic which is not part of the Cigna network, we will reduce any amount which we will pay by 20%. A list of International network hospitals, clinics and medical practitioners is available in your secure online Customer Area or you can contact our Customer Care Team for more information. We realise that there may be occasions when it is not reasonably possible for treatment to be provided by our global network hospital, medical practitioner or clinic. In these cases, we will not apply any reduction to the payments we will make.

Log into the online Customer Area and you can search our directory of hospitals, clinics and doctors. Simply type in your zip code, specify the distance you are willing to travel and it will list the medical experts within your area. Alternatively, call our Customer Care Team. Please remember to take your Cigna ID card with you when you go for treatment and ask your hospital, medical practitioner or clinic about direct billing if this has not already been confirmed. Where possible, we will arrange to pay the hospital, clinic or doctor you wish to see directly.

Where possible we will arrange to pay your hospital, clinic or doctor directly. However, if you have chosen a deductible and/or cost share, you must pay this amount yourself.

If you’ve paid for your treatment yourself, you can send your invoice and claim form to us using any of the following methods.

Please clearly state your policy number on all documentation

online Customer Area

Email: info@bizsure.co.ke

Phone: +254770890000/+254782890000

We aim to process your claim within 5 working days after receiving all necessary documentation

We aim to reimburse you within five working days of receiving your fully completed paperwork, and can pay you in the currency of your choice (you can choose to be reimbursed in more than 135 currencies)

When you create your tailored plan, you have the option of adding deductibles. If, for example, you choose a deductible of $250, you'll need to pay the first $250 of a covered claim or covered claims in any period of cover directly to your hospital, clinic or doctor at the time of treatment. So if your treatment costs are $500, you'll need to pay $250, and we'll pay the remaining $250 of covered costs. If a deductible is chosen, you would only have to pay this once during any period of cover irrespective of the number of claims.

Cost share is the percentage of every claim you will pay. Out of pocket maximum is the maximum amount you would have to pay in cost share per policy year. For example :

>You have a claim value of $20,000. You have a $500 deductible on your policy. You have a 20% cost share with a $2,000 out of pocket maximum. We would pay $17,500

How this is calculated:

>After you paid your deductible of $500, your cost share is 20% of $19,500 ($3,900). This is more than your out of pocket maximum, so you would only pay $2,000 out of pocket maximum for the cost share (and the $500 deductible you paid at the outset) and we cover the remaining $17,500

If you've sought advice or experienced symptoms before the start date of your plan - whether you have been diagnosed or not - we may decide to add special exclusions to your plan. So it's important that you complete the medical questionnaire as accurately as possible when applying.

Our International Medical Insurance provides cover for core benefits, such as emergency dental cover in the event of an accident that requires you to have treatment in a hospital. If you want more cover, choose our International Vision and Dental option and enjoy access to a wide variety of preventative, routine, major and orthodontic treatments

Yes, you are. Inpatient treatment is included as standard within our core International Medical Insurance. It covers you for treatment received as an inpatient when staying overnight in hospital, or when receiving treatment at hospital as a day case

International Medical Insurance covers you for selected outpatient costs such as treatment room fees, surgeon and anaesthetic costs, advanced imaging, cancer and mental health care.

However, the International Outpatient module covers you more comprehensively for outpatient care and medical emergencies that may arise where a hospital admission as a day patient or inpatient is not required. As well as this, consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre-natal and post-natal outpatient care, physiotherapy, osteopathy, chiropractic and much more.

No it doesn't. Your Cigna ID card is purely a means of identifying you and has no payment capabilities. When you need treatment, call out Customer Care Team. We will arrange to pay your hospital, clinic or doctor directly wherever possible

If you have any questions regarding your payment, our Customer Care Team will be happy to help. The below provides various ways to reach our team

Call us at 0770 0890 000 or 0782 890 000 or email at info@bizsure.co.ke

Our Global Health Options aims to resolve all complaints fairly, consistently and promptly. If you have a complaint about the products or services provided by our Global Health Options please let us know in the first instance by contacting us using one of the below methods.

Call us at 0770 0890 000 or 0782 890 000 or email at info@bizsure.co.ke