Hollard Cigna Health benefits overview

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1 Hollard Cigna Health benefits overview Area(s) of cover Emergency out of area cover Annual maximum benefit per 1. Africa 2. Africa+ (including India, Pakistan, Sri Lanka, Bangladesh and Lebanon) 3. Europe (including Africa) 4. Worldwide (excluding US) up to $ 30,000 up to $ 30, Africa 2. Africa+ (including India, Pakistan, Sri Lanka, Bangladesh and Lebanon) 3. Europe (including Africa) 4. Worldwide (excluding US) 5. Worldwide up to $ 75,000 Up to $ 500,000 Up to $ 2,000,000 Up to $ 4,000,000 Up to $ 6,000, Inpatient/Day case health care benefits Inpatient annual Up to $ 500,000 Up to $ 2,000,000 Up to $ 4,000,000 Up to $ 6,000,000 Room type Hospital charges for: Nursing and accommodation; Operating theatre and recovery ; Prescribed medicines, drugs and dressings. Parental accommodation This applies to dependant children under the age of 18. Surgeons and anaesthetists fees Specialist physician s fees Surgical procedures Cancer Rehabilitation and physiotherapy up to up to up to Diagnostic tests Includes pathology, X-rays, radiology, CAT scan and PET scan. $ 1,500 $ 2,500 $ 5,000 AIDS/HIV Inpatient cash benefit For each overnight stay spent in a hospital; This benefit requires prior approval. $ 75 each night for up to 5 nights up to 10 nights per insurance up to 20 nights per insurance up to 30 nights per insurance Home nursing charges insurance ) of insurance) insurance ) Surgical appliance and/or medical appliance to $ 2,500 for to $ 5,500 for to $ 7,500 for Chronic care All benefits are valid per insurance person, (unless specifically stated). For full benefit details and definitions, please consult the website. 1 A waiting period of 12 months applies. Under certain conditions however, this waiting period may be waived. 1

2 Hospice palliative care This benefit requires prior approval. insurance insurance insurance Organ transplant The employee/ dependant must contact Cigna before incurring any costs relating to organ donation. Psychiatric care Local road ambulance to nearest hospital Up to $ 1,125 per insurance Up to $ 1,400 per insurance for up to per insurance Up to $ 2000 per insurance up to 20 days per of insurance up to 30 days per of insurance up to 45 days per of insurance 2. Maternity benefits Note: a waiting period of 10 months applies for cover for pregnancy, childbirth and for infertility/sterilisation s. Under certain conditions however, this waiting period may be waived. Routine maternity Complicated maternity Up to $ 2,500 per insurance Up to $ 3,500 per insurance Up to $ 3,500 per insurance Up to $ 5,000 per insurance Infertility Newborn care up to 3. Outpatient health care benefits up to up to up to up to $ 10,000 per insurance Outpatient annual insurance Up to $ 2,500 per insurance Up to $ 3,000 per insurance Up to $ 4,000 per insurance Non-surgical and minor surgical procedures and 2 2 Up to $ 500,000 2 Up to $ 2,000,000 2 Cancer Up to $ 2,000,000 2 Kidney dialysis 2 2 Up to $ 500,000 2 Up to $ 2,000,000 2 Consultations with medical practitioners and specialists Diagnostic tests Includes pathology, X-rays, radiology, CAT scan, MRI scan and PET scan. Prescribed medicines / drugs and dressings Chiropractic, osteopathy and chiropody Rehabilitation and physiotherapy AIDS/HIV tests and medication Alternative therapies Annual routine tests One eye test and hearing test for children under the age of 15. up to up to Up to $ 500 per insurance up to up to Up to $ 1,000 per insurance up to up to insurance 5 sessions per insurance up to 3 up to 10 sessions per insurance up to 3 up to 10 sessions per insurance up to 3 up to up to up to up to up to up to up to up to up to 2 Not subject to the maxium benefit. 3 A waiting period of 12 months applies. Under certain conditions however, this waiting period may be waived. 2

3 Well child tests This benefit will be payable for dependent children aged 6 and under, with immunisation covered for all dependants up to Vaccinations and preventive medication e.g. against malaria This benefit will be payable for vaccinations and preventive medication. up to up to up to up to Surgical appliance and/or medical appliance up to Emergency dental Up to $ 1,000 per insurance insurance insurance insurance Psychiatric care insurance insurance insurance Chronic care 4 4 Up to $ 500,000 4 Up to $ 2,000, Wellness benefits Routine adult physical exams Cover up to $ 500 Cover up to $ 1,000 per insurance Up to $ 2,000 Pap smear Cigna will pay charges for an annual Papanicolaou screening. Prostate cancer screening Cigna will pay charges for an annual prostate cancer screening for eligible males over 50 s old. Mammograms for breast cancer screening or diagnostic purposes This benefit will be paid in respect of: one baseline mammogram for asymptomatic women aged 35-39; a mammogram for asymptomatic women aged every two s or more if medically necessary; a mammogram every for women aged 50 and over. $ 200 per insurance $ 300 per insurance $ 500 per insurance Country guides Included Included Included Included Included Included 2 nd opinion programme Included Included Included Included Included Included Employee assistance programme Telephone counselling Pre-assignment assistance 4 Not subject to the maxium benefit. 3

4 Online Health risk assessment and Targeted risk assessment Access to online Health risk assessments, Targeted risk assessments. 5. Medical repatriation benefits Medical evacuation and Repatriation assistance Area of cover where is where is where is is is is the cost of your return or transportation to a hospital up up up the cost of the return of an insured travel companion and minor children up up up of your accommodation costs and those incurred by the insured s of your family or an insured person travelling with you Hospitalisation in situ paying the costs that enable a of your family to get to you in hospital: outward/return journey cost of accommodation locally until you are repatriated Early return assistance: transportation costs up up up Assistance in the event of your company assignment being curtailed: paying the travel costs of your replacement colleague up up up Dispatch of medicines un locally up up up Assistance in the event of an insured person s death repatriation of mortal remains additional costs for the transportation of the insured s of the deceased s family or an insured person up up up 4

5 Optional benefits Dental and Vision benefits Dental benefits Standard Extra Dental per Up to $ 500 Up to $ 1,000 Class I - Investigative & preventative Benefits include: X-rays, scale & polish. Class II - Basic restorative, periodontal and of dental injury Benefits include: Root canal, extractions, surgical procedures, occasional, anaesthetics, periodontal. Class III - Major restorative Benefits include: Dentures acrylic/synthetic, metal and metal/acrylic; crowns, inlays, mouthguard or occlusal splint. Orthodontic for dependant children under the age of 18 80% 80% One eye examination by an Optometrist or an Opthalmologist Vision for: Lenses to correct vision Eyeglass frames Prescription sunglasses Notes (apply to all Dental benefits) Up to $ 100 Up to $ 200 Examinations and Scale and Polish will both be limited to 2 visits Full case assessment will be limited to 1 X-rays will be limited to 4 bitewings and 6 Intra Oral and Orthopantomogram (OPG) every 3 s. An OPG before and after extensive Class 3 may be requested. Prolonged periodontal limit of 1 course Major Dentistry, a waiting period of 12 months applies. Under certain conditions however, this waiting period may be waived. We refer to our policy terms and conditions for a complete list of benefits, exclusions and limitations. Products and services may not be in all jurisdictions and are expressly excluded where prohibited by applicable law. Hollard Health International, a cell in Manzillo Insurance (PCC) Limited, with its registered offices at: Maison Trinity, Trinity Square, St Peter Port. Guernsey GY1 4AT and is regulated by the Guernsey Financial Services Commission. (Registration No ). Cigna International Health Services BVBA with registered office at: Plantin en Moretuslei Antwerpen Belgium RPR Antwerpen VAT BE FSMA A-R. Regulated by the Financial Services and Markets Authority (FSMA) in Belgium. Copyright 2017 Cigna Corporation _TOB_EN (0817)

HEALTH CARE PLAN. January - December 2019 Benefit Summary

HEALTH CARE PLAN. January - December 2019 Benefit Summary HEALTH CARE PLAN January - December 2019 Benefit Summary BENEFIT SUMMARY ANNUAL BENEFIT - Maximum per member or dependant. IN-PATIENT TREATMENT HOSPITAL CHARGES for: nursing and accommodation for in-patient