IR - CIGNA HealthCare UK

CIGNA HealthCare UK - SmarterHealth

CIGNA HealthCare has launched SmarterHealth - a new product specially designed with the needs of Small corporate medical and dental for 150-400 employees in mind.

The flexibility of SmarterHealth lets clients provide their employees with comprehensive PMI cover, tailored to suit their budget. Flex up to access premium dental and travel cover at discounted rates in addition to comprehensive PMI cover. Flex down to provide great PMI cover for a tighter budget by removing Health Management services or the £10,000 psychiatric benefit.
Medical insurance
• Fully supported by CIGNA’s unique Managed Care approach
• Access to our nurses and Care Coordination programme if required
• Up to £10,000 psychiatric benefit including direct referral to CBT
• Optical cash benefit
• Overseas cover up to UK limits
• Complications of pregnancy covered
• Stress helpline with access to six sessions of face to face counselling if needed
Dental insurance
• 100% reimbursement levels to benefit limits
• Use any dentist in the UK
• No medical underwriting
• No waiting period
• Marketing support available
• 95%+ customer satisfaction levels
• Great broker CRM opportunity
Travel insurance
• World wide, not region specific
• Winter sports included as standard
• UK business cover included
• Underwritten by CSP, a Lloyd’s underwriter

Benefits

Psychiatric	All Yes No
FLEX Down Option	All Yes No
FLEX Up Option	All Pearl Cover Diamond Cover
FLEX Up Travel	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Paid in full
Surgeon / Consultant / Specialist & Anaesthetists fees
	Paid in full
Physicians fees & diagnostic tests
	Paid in full
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Paid in full
Psychiatric treatment
FLEX Down Option - No	Included up to maximum cover of £10,000
FLEX Down Option - Yes	FLEX Down Option - Psychiatric cover removed
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
FLEX Down Option - No	Paid in full, no maximum for complementary medicine
FLEX Down Option - Yes	FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa
Diagnostic tests (excluding scans)
	Paid in full
GP referred consultations
FLEX Down Option - No	Paid in full
FLEX Down Option - Yes	FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa
Physiotherapy consultant referred
FLEX Down Option - No	Paid in full
FLEX Down Option - Yes	FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa
Physiotherapy GP referred
FLEX Down Option - No	Paid in full - GP referred Paid in full - on self referral when delivered by a CIGNA preferred provider
FLEX Down Option - Yes	FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa
Psychiatric cover
FLEX Down Option - No	Included up to maximum cover of £10,000
FLEX Down Option - Yes	FLEX Down Option - Psychiatric cover removed
Radiotherapy / Chemotherapy
	Paid in full
Scans - MRI / CT / PET
	Paid in full
Surgical Procedures
	Paid in full
Key Facts - Additional Benefits
NHS cash benefit
	£100 per night up to maximum of 35 nights
Nursing at home
	Paid in full if recommended by a specialist immediately after hospital treatment on a full-time basis for treatment which would normally be provided in a hospital for up to 180 days in any one year of insurance
Parental accommodation
	Up to 30 days per annum (child under 12 years old)
Primary care
	Not covered
Private ambulance
	Paid in full
Additional Benefits
Alcohol & drug abuse
FLEX Down Option - No	If you opt for our psychiatric cover, the only costs we'll pay for addictions and alcoholism are to cover diagnosis and the first alcohol or addictions programme after diagnosis. We may cover up to three attempts at detoxification before starting a formal outpatient addictions programme. We won't pay for any more claims for recovery programmes if it's a direct result of the addiction
FLEX Down Option - Yes	FLEX Down Option - Not covered
Annual maximum limit
	No annual maximum
Children covered
	Unmarried dependant children covered up to 21 or 25 if in full time education
Chiropractors & Osteopaths
FLEX Down Option - No	Paid in full - GP referred Paid in full - on self referral when delivered by a CIGNA preferred provider
FLEX Down Option - Yes	FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa
Dental treatment
	We only cover dental or orthodontic surgical procedures included in the CIGNA Fee Schedule which are specifically covered
FLEX Up Option - Pearl Cover	FLEX Up Option: Pearl Cover - Annual benefit of up to £1,500 which includes, 2 x examinations, 2 x scale & polish, 4 x X-ray, 4 x quadrants of periodontal treatment Plus additional £300 for accidental & emergency pain relief (including overseas)
FLEX Up Option - Diamond Cover	FLEX Up Option: Diamond Cover - Annual Benefit of up to £2,000 which includes, 2 x examinations, 2 x scale & polish, 4 x X-ray, 4 x quadrants of periodontal treatment. * Plus £300 for sports injuries * Plus Additional £300 for accidental & emergency pain relief (including overseas)
Discretionary Benefit Option (DBO)
	Not available
GP minor surgery
	Paid in full
GP Referred Chiropody, Podiatry or Homeopathy
FLEX Down Option - No	Paid in full, no maximum for complementary medicine
FLEX Down Option - Yes	FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa
Hospice donation
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Optional cash benefit
	75% up to £100 per year towards optical costs
Out of pocket expenses
	Not covered
Overseas cover
FLEX Up Travel - No	Limited to a cumulative total of 90 nights in any one year of insurance. Costs will be paid only up to limits in the list of benefits and will be paid in pounds sterling using a suitable exchange rate chosen by us. If the Foreign and Commonwealth Office has advised against travel to a particular country or area, or if you are already there but have been advised to leave, we will not pay for treatment whilst there unless you received prior written authority from us.
FLEX Up Travel - Yes	FLEX Up Option - to include CIGNA's comprehensive travel plan
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Pregnancy or childbirth is not covered, unless it is affected by an acute medical condition or requires a specified obstetric procedure
Stress counselling helpline
FLEX Down Option - No	Access to telephonic helpline and 6 sessions of face-to-face counselling
FLEX Down Option - Yes	FLEX Down Option - Stress counselling Helpline & Diabetes Programme
Transplants
	Not covered

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Paid in full

Surgeon / Consultant / Specialist & Anaesthetists fees

Paid in full

Physicians fees & diagnostic tests

Paid in full

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Paid in full

Psychiatric treatment

FLEX Down Option - No

Included up to maximum cover of £10,000

FLEX Down Option - Yes

FLEX Down Option - Psychiatric cover removed

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

FLEX Down Option - No

Paid in full, no maximum for complementary medicine

FLEX Down Option - Yes

FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa

Diagnostic tests (excluding scans)

Paid in full

GP referred consultations

FLEX Down Option - No

Paid in full

FLEX Down Option - Yes

FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa

Physiotherapy consultant referred

FLEX Down Option - No

Paid in full

FLEX Down Option - Yes

FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa

Physiotherapy GP referred

FLEX Down Option - No

Paid in full - GP referred
Paid in full - on self referral when delivered by a CIGNA preferred provider

FLEX Down Option - Yes

FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa

Psychiatric cover

FLEX Down Option - No

Included up to maximum cover of £10,000

FLEX Down Option - Yes

FLEX Down Option - Psychiatric cover removed

Radiotherapy / Chemotherapy

Paid in full

Scans - MRI / CT / PET

Paid in full

Surgical Procedures

Paid in full

Key Facts - Additional Benefits

NHS cash benefit

£100 per night up to maximum of 35 nights

Nursing at home

Paid in full if recommended by a specialist immediately after hospital treatment on a full-time basis for treatment which would normally be provided in a hospital for up to 180 days in any one year of insurance

Parental accommodation

Up to 30 days per annum (child under 12 years old)

Primary care

Not covered

Private ambulance

Paid in full

Additional Benefits

Alcohol & drug abuse

FLEX Down Option - No

If you opt for our psychiatric cover, the only costs we'll pay for addictions and alcoholism are to cover diagnosis and the first alcohol or addictions programme after diagnosis. We may cover up to three attempts at detoxification before starting a formal outpatient addictions programme. We won't pay for any more claims for recovery programmes if it's a direct result of the addiction

FLEX Down Option - Yes

FLEX Down Option - Not covered

Annual maximum limit

No annual maximum

Children covered

Unmarried dependant children covered up to 21 or 25 if in full time education

Chiropractors & Osteopaths

FLEX Down Option - No

Paid in full - GP referred
Paid in full - on self referral when delivered by a CIGNA preferred provider

FLEX Down Option - Yes

FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa

Dental treatment

We only cover dental or orthodontic surgical procedures included in the CIGNA Fee Schedule which are specifically covered

FLEX Up Option - Pearl Cover

FLEX Up Option: Pearl Cover - Annual benefit of up to £1,500 which includes, 2 x examinations, 2 x scale & polish, 4 x X-ray, 4 x quadrants of periodontal treatment
Plus additional £300 for accidental & emergency pain relief (including overseas)

FLEX Up Option - Diamond Cover

FLEX Up Option: Diamond Cover - Annual Benefit of up to £2,000 which includes, 2 x examinations, 2 x scale & polish, 4 x X-ray, 4 x quadrants of periodontal treatment.
* Plus £300 for sports injuries
* Plus Additional £300 for accidental & emergency pain relief (including overseas)

Discretionary Benefit Option (DBO)

Not available

GP minor surgery

Paid in full

GP Referred Chiropody, Podiatry or Homeopathy

FLEX Down Option - No

Paid in full, no maximum for complementary medicine

FLEX Down Option - Yes

FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa

Hospice donation

Not covered

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Optional cash benefit

75% up to £100 per year towards optical costs

Out of pocket expenses

Not covered

Overseas cover

FLEX Up Travel - No

Limited to a cumulative total of 90 nights in any one year of insurance. Costs will be paid only up to limits in the list of benefits and will be paid in pounds sterling using a suitable exchange rate chosen by us. If the Foreign and Commonwealth Office has advised against travel to a particular country or area, or if you are already there but have been advised to leave, we will not pay for treatment whilst there unless you received prior written authority from us.

FLEX Up Travel - Yes

FLEX Up Option - to include CIGNA's comprehensive travel plan

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Pregnancy or childbirth is not covered, unless it is affected by an acute medical condition or requires a specified obstetric procedure

Stress counselling helpline

FLEX Down Option - No

Access to telephonic helpline and 6 sessions of face-to-face counselling

FLEX Down Option - Yes