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Aetna's Worldtraveler Boosts Benefits For Global Business Travelers

Companies seeking international health coverage for their employees traveling abroad on short-term assignments can enjoy greater peace of mind with Aetna’s (NYSE: AET) newly enhanced WorldTravelerSM global health insurance plans. Effective immediately for all new and existing WorldTravelerSM plans, Aetna has eliminated its annual maximum payout for prescription drugs.

Aetna also has lifted its annual medical maximum payout for employees covered by its Premier Plus plans. For all plans with a dependent care option, employees’ dependents are now covered through age 26, up from age 18. Additionally, as of April 1, Aetna has lowered employers’ minimum annual premium to $1,000 on new and renewed plans.

Available for companies in many parts of the world, WorldTravelerSM is stand-alone, short-term international health coverage for employees who travel overseas extensively – up to six months consecutively and nine months annually – but are not candidates for expatriate health coverage. WorldTravelerSM offers benefits rarely available with domestic health care plans or accident policies. Standard benefits include direct billing to Aetna by its global network of more than 70,000 hospitals, clinics and doctors outside the United States, 24/7 customer service, on-call nurses, and medical evacuation and repatriation services.

“We know that dealing with health-related issues can be stressful, especially when people are far from home,” said Eugene Marks, Aetna International’s general manager of the Americas Region. “That’s why we have enriched WorldTravelerSM. We want our customers to know they can count on us wherever in the world they might be.”

For employers, WorldTravelerSM offers an affordable way to provide international coverage for employees traveling on business. Premiums are based on a per diem cost and the number of projected travel days. Plan administration is easy too. All employees are automatically covered; no individual enrollment is required. WorldTravelerSM requires no deductible. The plans cover pre-existing conditions and dental injuries. Options include dependent coverage, business travel accident insurance and health care benefits during leisure travel in conjunction with business travel.


Health Insurance Innovations Strengthens Product Portfolio With Addition of 'Principle Advantage' to Address Specialty Insurance Markets

Health Insurance Innovations, Inc. ("HII"), (Nasdaq:HIIQ), an industry leader in the sale of Short‐Term Medical ("STM") plans, today announced the launch of Principle Advantage Limited Benefit Health Insurance with Companion Life Insurance Co., a specialist in the employee benefit market for over 40 years. Principle Advantage is an impactful new addition to Health Insurance Innovations' Limited Benefit selections, designed for individuals looking for affordable, fixed-benefit coverage to assist with out-of-pocket medical expenses.

Principle Advantage offers consumers the option of selecting one of four benefit levels to pay set amounts for doctor visits, surgery, lab work, anesthesia, ambulance, and hospital charges. Eligible insureds are able to remain on the policy until age 65, with benefits renewing per policy year.

"Today's debut of Principle Advantage, a dynamic, guaranteed-issue Limited Benefit plan, expands, enhances, and promotes Health Insurance Innovations' growing product portfolio to a broad and rapidly-developing market," said Mike Kosloske, President & CEO of Health Insurance Innovations. "Principle Advantage helps people pay for the medical services they need when they cannot afford or qualify for individual major medical insurance. Plus, the product is backed by Companion, a trusted partner and 'A+' rated insurance carrier."


Prime Urgent Care Makes it Easier for Patients with Cigna Insurance

Many individuals throughout the Pearland, Texas area will require urgent care service one or more times per year. While many people have a family physician whom they visit for non-urgent needs, an urgent care facility provides fast service and is able to accommodate visits on weekends or at odd hours. Often more advanced services than what can be enjoyed at a family practice office can be found at an urgent care facility without having to make a visit to the emergency room at the hospital. Prime Urgent Care has been providing urgent care services for minor emergencies and other needs to Pearland area residents for many years, and it recently has announced new services for patients with Cigna insurance.

Prime Urgent Care treats patients on a cash basis if insurance is not available, but many patients who visit this urgent care facility do have insurance. However, with many insurance carriers, preferred pricing on co-pays, deductibles and other insurance features are provided based on which health center or doctor provides the coverage. Patients across the Pearland area often make the decision about which healthcare center to visit based on whether the office accepts their insurance plan or not. Those patients who have Cigna insurance will be pleased to learn that Prime Urgent Care now provides advanced services to them.

Prime Urgent Care is a facility that is known for providing a wide range of services. The board-certified physicians at Prime Urgent Care are capable of and equipped to treat acute illness that range from basic virus and bacterial infections to many types of minor and moderate injuries. Those who are facing life-threatening conditions, however, should head to the emergency room or call 911. Those who need urgent assistance for non-life threatening conditions can contact Prime Urgent Care for fast service from physicians. This facility also can provide sports physicals, employment physicals, vaccinations, and more.

Emergency rooms are unfortunately known for having long waits, and many patients seeking non-emergency treatment are forced to wait for a scheduled appointment time with a family practice doctor. Those who want to enjoy the benefit of faster service from a board-certified physician can receive assistance without delay at Prime Urgent Care.

This facility provides walk-in service without an appointment, and it offers extended business hours to better meet the needs of its patients. In addition, there is an online check-in system that provides patients with the ability to avoid having to wait a long time in the waiting room once they arrive. This urgent care facility provides a great middle ground between a visit to the family doctor and the emergency room.

The ability to obtain fast medical services from a reputable doctor is convenient at times. At other times, it is imperative. Individuals who are interested in learning more about the services offered by Prime Urgent Care in Pearland can review the website or call the company directly to learn more about the services available. Because the office now accepts Cigna insurance, even more residents in the Pearland area can take advantage of the benefits that this healthcare center can provide.


iPMI Magazine Speaks with Mr. Christopher Percival, Director, HealthCare International

iPMI Magazine Speaks with Mr. Christopher Percival, Director, HealthCare International

Christopher has been a Director of HealthCare International since 2004 and prior to that held senior positions within the Banking and Financial Services industry in London. He is recognised, fully qualified and authorised by the Financial Services Authority in the UK and has over 25 years experience in the industry. HealthCare International has an energetic, dynamic and successful team, with more than 35 years’ experience in the Global International Health and Private Medical Insurance arena.

HealthCare International is a specialist provider of global private health and related personal insurances, designed to provide not just the basic health cover, but also a wide range of benefits for expat employees and families. HealthCare International’s renowned HealthCare and Risk Management experience has brought to the market a comprehensive, transparent and easy to understand range of private international medical and life insurance solutions. HealthCare International is constantly seeking to refine and improve their solutions and to build successful client relationships wherever possible.

Please provide an overview of your role at Healthcare International, its infrastructure, and core business products and services?

I am fortunate to work within a really experienced team and I have been a Director of HealthCare International since 2004. Prior to HealthCare International I held senior positions within the Banking and Financial Services industry in London. HealthCare International pride themselves in offering a suite of specialist and innovative products which include comprehensive Private Medical Insurance, Travel Insurance, Life Assurance and Income protection for the global expatriate market for both the Personal and Corporate client sectors whilst ensuring members the highest standards of service at affordable levels. HCI has a substantial Broker Client base of which my team and I look after.

What current trends exist in the expatriate health and travel insurance markets, and what is your company doing to maximize on these opportunities?

The variables in an expatriate life cycle and in the changing circumstances of an individual are many, and we are in the business of providing International Medical Insurance and expatriate assistance in the form of Travel Insurance, International Life and Income Protection, both directly and indirectly. For over 35 years, and during this time have responded to the need for flexible insurance cover and adapting to the protocol of the destination country. Our product development is the key to our success and each year we are able to analyse data and world trends in terms of health care and, along with personal feedback from our clients, improve our plans and benefits where necessary to deliver the most comprehensive cover available. Innovation is a key consideration for us. Technological advancements mean that we are continually monitoring and evaluating developments in the market that will allow us to communicate better with our clients or to manage their policies and personal data even more efficiently.

While we feel our delivery times are excellent in areas such as policy administration and claims processing, if there is a way to improve the service that we provide to our clients, we will be sure to investigate it and to apply it to our industry. Ultimately, healthcare insurance is not something that a client wants to worry about. A company wants to feel comfortable that they are catering to the needs of their employees by providing the best possible benefits and cover. They also want to feel secure in the knowledge that the company they have selected to work with is able to do this. Historically, HCI have not specialised in indigenous populations, but this is very much on the agenda.

What key industries represent the core focus of your expatriate insurance business?

Until recently we have majored in the individual and the small corporate sector of the market. The expatriate movement is growing significantly and we find the majority of our policy holders are in the industries of finance, teaching and natural resources such as oil, gas, and mining. These industry growth trends tend to be grouped in particular areas internationally, but ultimately you will always find expatriates based at different levels in their various industries and our plans and solutions cater for high level individuals as well as for core/bottom line employees - , so we are well equipped to respond to sophisticated needs as well as large claim events.

What emerging industries represent good market potential & growth rates for your products and services? Can you explain the geographical markets in which you operate, and the present challenges your organisation faces there?

Aside from the obvious growth areas in Asia, Europe and the Middle East, we are always pleasantly surprised to hear from a broker who has recommended HCI and feels strongly about the opportunity in their specific market that we can cater to, as often, smaller pockets of incremental business is overlooked in an effort to focus on growth rather than the quality of niche markets. It would be easy to turn this answer into a summary of world trends in industry and expatriate growth, however, what remains essential to us is our relationships that we have with our supporting brokers and existing companies, many of whom refer new business to us. Furthermore, industries such as construction, technology and financial services will always provide us with consistent business growth.

What emerging markets require expatriate health insurance and services, and how do you adapt your services and policies for the new markets and industries?

Everyone is aware of the emerging expatriate markets in Europe and the Middle East, and indeed industries and opportunities are highlighted in Russia and Asia. With more and more countries closing their doors to expatriates’ medical needs, companies like ours need to fill the gap. The trend today is linking closely with local companies who have vast knowledge of local rules and regulations whilst creating successful strategic partnerships. We are already equipped to provide an expatriate with comprehensive and easily managed policies in the health, travel insurance, life and income protection sector. Trends in world industry growth and the location of this growth may shift, but we are there! Wherever the expatriate may be, our policies are designed to be flexible. Introducing local claims administration teams and services in particular, can be done at the request of large corporate groups or a large expatriate presence, and in this way we will continue to strongly align ourselves with both local brokers and international companies, reinforcing local confidence and claims control.

Can you name some key clients, and provide an overview of the type of health insurance solutions they require?

With respect to clients and brokers, due to confidentiality we are unable to name specifics. We look after international plans for some of the largest operations worldwide which include international pharmaceutical agencies, school and educational institutions, as well as those leaders in emerging industries like sports professionals and VIPs. Our focus is on personal service, the speed of this service, and ultimately, customer satisfaction. Every client has their unique circumstances, and our policies and procedures are designed to respond to a variety of needs. We are continually evaluating the market and our operations to ensure that our knowledge, expertise and service best aligns with their requirements. A large part of this relies on open communication between the client and ourselves, and while we believe that our system design and technology is one of the more advanced available to service our client base, without the input from our business partners and choosing to listen to the feedback from our customers, we would not have policy holders as satisfied as our research shows us they are.

How can Healthcare International support and manage the life cycle of an expatriate, mobile and remote workforce?

When evaluating a client and their personal circumstances there are a number of aspects to consider such as age, profession, current health and health needs, work circumstances and destination. A client may require a stand-alone policy, or may have to consider the needs of his or her spouse and dependents. Or they may intend to start a family. Our plans are designed to meet the needs as a person’s life progresses through different and personal stages and circumstances.

For example a British expatriate who is based in China. He joins us at the start of his career, working for a particular company. He regularly travels to other areas of the world during the course of his job, and may be relocated and have a new country of residence. During the course of his career he marries, and he and his wife start a family. They then go from job to job, and country to country. Years later he retires, his children leave home, and he and his wife settle permanently in a foreign country. Assuming this client remains an expatriate throughout, we are able to cater for his International Medical Insurance, Travel Insurance, and Life and Income Protection needs. While we would assist the client to evaluate the plan benefits on the occasion of his annual renewal, the majority of his changing circumstances will be accommodated in the same way throughout his guaranteed cover for life with HCI.

The primary variable is whether a client requires cover for longer than our 90 day emergency cover in the USA on a policy that is essentially excluding USA cover. A client would need to select a plan to include the USA as part of his cover otherwise he would not be covered for full benefits in the USA. Due to the high cost of medical treatment in the USA, it is necessary to select a policy with a premium that factors this in. All his other personal factors are negligible, which is due to the simplicity of eliminating restrictions relating to service providers. The structure of our plans means that a client has the freedom to travel or move to virtually any destination of their choice, and their policy circumstances will remain the same. In other words, we do not have the need to inform them of our local networks in the area, or to advise them of where they may or may not seek treatment. The client comes first – we do not want to compromise the best possible treatment, and thus we provide them with freedom of choice.

We find that this is of huge benefit to our clients, as many may have a personal or family doctor that they would prefer to use, or they may be referred to a treatment facility or doctor by colleagues who have experienced a particularly high level of assistance. We believe that the level of comfort that a client has is to know that treatment comes first, rather than having the hassle of having to go out of their way instead of using their nearest facility, wherever they may be in the world.

How would your International Expatriate Health Insurance Plan, support consistent cover for the life cycle of the employee and family?

Once an expatriate and family have been accepted onto a HealthCare International policy, they are guaranteed cover for life while their period of coverage remains unbroken and they remain expatriates. It is a fact of life that circumstances may change and work requirements can be unpredictable, and rather than having the complications associated with a change in location affecting a network of service providers and having to update details on our systems to cope with a change in their treatment area, we have designed our policies to make this as efficient and client-friendly as possible. A client is free to choose where to receive their treatment and with whom. As long as it is a recognised medical facility or service provider of the country that they are in, and providing the claim is within the benefit level, we are happy to accept the claim or to receive a claim directly from the service provider. Thus, clients are free to travel or relocate without needing to consult with us except to update their contact details. By removing the need for procedural requirements related to networked doctors and hospitals, we are able to put clients’ needs first and provide them with an International Insurance policy that has as little chance for error and frustration as possible.

What services do you offer besides travel, health and expatriate insurance cover i.e. medical consultation, employee assistance programs, medical and travel assistance, travel warnings, cultural training etc?

A HealthCare International policy holder is paying to have security in knowing he has someone who will take care of his Health Insurance needs efficiently. We deliver a service that is personal and we are approachable 24/7. Our claims department is fully trained to be able to process and work with foreign claims. Clients can refer to us for information on local service providers and for assistance in arranging and authorising their treatment. The combined experience of our claims team means a wealth of information from people who are always on hand to assist the policy holder. We organise help in an emergency, and policy benefits include flight arrangements home in the event of the death of a loved one. Insuring an expatriate is not just providing medical benefits and cover, it means realistically assessing what eventualities may affect them. Benefits like paying for accommodation in the event of a parent or child being hospitalised for a specific length of time, are small things that are important to the individual should it occur. It’s not something that they are aware of or may think of here and now, but chances are high that this may occur, and it is our job to provide the services and to consider those unexpected events. A client is placing not only his premium, but also his faith and trust in us.

Are you in a position to offer everything under one roof, to cover all the expatriates healthcare requirements?

Yes. We are one of the few companies that are able to do this on an individual and corporate level with bespoke schemes for the larger corporate. With the strength of major re-insurers behind us we are secure in our operation and development, and are able to provide almost anything that the individual or corporate entity requires. We are not restricted in our development and plan structures, as are some of the larger competitors in the market.

Do you offer EAP (employee assistance programs) and if so can you explain the key features and benefits of this service?

While HCI is a smaller company, this remains one of our greatest strengths as we are able to assist our policy holders in many areas. With regards to EAP, these are individually tailored programs and subject to company type, location and size, and with the systems and technology we have, almost anything is possible.

What support do you offer to enable a corporation to guarantee a seamless transition?

We are comfortably equipped to manage a seamless transition of most company schemes. We are able to match terms and tailor packages - in fact, anything that the employer requires for his staff. A seamless transition from an existing insurance provider or indeed, self administered scheme, into HealthCare International is subject to the information, communication and systems of the corporate company. With modern technology and our recent investment in this sector we have installed a new and comprehensive system – literally one of the most advanced in Europe – we are well placed to manage any transfer of business. Because we do not restrict a member to a particular network of doctors or hospitals, we do not need them to familiarise themselves with this or have any particular procedures for them to follow, other than normal authorisation and claims requirements. Emphasis rests on our office based team and claims team being available 24 hours a day telephonically or via e-mail, to enable us to assist with any specific queries.

What is the strategy to develop Healthcare International in the future?

Our aim is to continue to remain flexible, based on the needs of our existing policy holders and to continue to exceed their expectations when it comes to service delivery. As a company, we are committed to our personal approach and concern for our clients. We are excited about the challenge to continually improve our products, and have a structured business expansion programme. We feel confident that we are ahead of the pack in terms of service and international insurance solutions, and have our eye firmly set on existing and future markets that can benefit from our services and products.

iPMI Magazine Speaks with Mr. Christopher Percival, Director, HealthCare International

Contact Healthcare International

Company: Healthcare International

Address: UK Administration, 160 Brompton Road, Knightsbridge. London SW3 1HW, United Kingdom

Phone: +44 (0)20 7590 8800

Fax: +44 (0)20 7590 8815

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.


Insurance, Expat Insurance, Health Insurance, Travel Insurance, Healthcare, Private Medical Insurance, International Private Medical Insurance

Healthcare International Full Buyers Guide Listing on iPMI Magazine



Bupa Enhances Its Individual Health Insurance Product

Bupa Enhances Its Individual Health Insurance Product

Bupa has enhanced its flexible health insurance product, Bupa By You, to meet the needs of even more people. Bupa By You is a tailored health insurance product which allows people to choose what they are covered for. A number of improvements have been made to give customers even more ways to build health insurance to meet their needs and budgets, including lower-cost cancer cover and more flexible pricing options.

Out-patient limits

Customers now have the option to select an out-patient limit to bring down the cost of their premium. They can choose to cap their out-patient cover for consultations, therapies and tests at £500, £750 or £1,000. Alternatively they can still choose to have no financial limits, so that all costs are paid in full*.

New lower-cost cancer cover

Customers also have the option to choose NHS Cancer Cover Plus instead of full cancer cover**, to reduce the cost of their premium. This means that cancer treatment is provided by the NHS unless they are unable to provide the particular drug or treatment required, in which case Bupa will step in. Customers have the peace of mind that if they needed a drug or treatment which was not available on the NHS, they would be able to get help from Bupa. Bupa gives its members access to breakthrough cancer drugs and treatments. In 2012 Bupa spent £18m on cancer drugs – including £4m for breast cancer drugs and £5m for bowel cancer drugs – which are not routinely available on the NHS. Bupa By You customers will still be able to select other options, such as optical, dental and travel insurance, to further tailor their cover. They will also have the support of the Bupa Anytime HealthLine, which gives unlimited around-the-clock access to health advice from Bupa nurses and GPs.

*No financial limits: All costs are paid in full for eligible treatment on your core health insurance, when you use a healthcare facility within your chosen Bupa network, using a Bupa recognised consultant who agrees to charge within Bupa limits (a fee assured consultant). ** Full cancer cover: Where cancer is covered as part of your core health insurance, there are no time limits and all your eligible cancer treatment costs are paid in full, when you use a healthcare facility from your chosen Bupa network and a Bupa recognised consultant who agrees to charge within Bupa limits (a fee assured consultant). *** The average cost of a take away coffee in the UK on 21/01/13 according to the money saving app, OrsaveIt, was £2.20; 1 in 4 of Bupa By You Comprehensive customers pay less than this. For example: a 25 year old male in Manchester on Comprehensive cover with a £200 excess would pay £1.95 per day. Price calculated on 05/04/13.


Clements Worldwide’s New Guaranteed-Issuance Expat Life Insurance

Clements Worldwide’s New Guaranteed-Issuance Expat Life Insurance

Clements makes it easy for individuals living or working abroad to secure reliable financial protection through A-rated, tailor-made term life coverage -- anywhere in the world. Clements Worldwide, leading provider of international insurance solutions, announced that it is making its highly successful, guaranteed-issuance term life insurance product available to all eligible individuals at the same discounted rates only previously available to existing customers.

With no health-check requirement, new customers between the ages of 18 to 65 who live and/or work outside their home country can now apply online at and obtain portable, stand-alone or complementary term life insurance coverage. With just a simple verification of active employment and good health, expatriates can now instantly secure affordable financial protection for their families with benefits up to USD 500,000, or up to ten times the insured’s annual salary with medical underwriting.

As a trusted provider of insurance solutions for individuals based overseas for more than 65 years, Clements has firsthand experience with the unique risk exposures inherent to international work responsibilities. All too often, expats with dependents lack sufficient coverage, leaving families vulnerable to financial devastation. This unfortunate scenario is confirmed by the findings in a recent report conducted by Life Insurance and Market Research Association (LIMRA). According to the report, experts recommend having enough life insurance to replace 7 to 10 years of income; however, the unpleasant reality is that the typical married couple has less than half that amount.

Designed to provide peace of mind and financial security should an untimely death occur, Clements’ guaranteed life insurance provides a cash benefit immediately following death to designated beneficiaries. The product is especially timely given that the 2013 Global Mobility Survey revealed that 41% of companies expect international assignments to increase in the next 12 months.

“With international mobility on the rise, it is critical that expats have convenient access to comprehensive life insurance with borderless coverage,” says David Brumbach, director of personal insurance at Clements Worldwide. “For decades, we’ve been helping customers of all nationalities and professions manage their life insurance policies while based outside of their home country. We are still very proud to be the leading source of highly-rated life protection and peace of mind for expats and their families.”

About Clements Worldwide

Clements Worldwide is a leading insurance provider for expatriates and international organizations. Founded in 1947, Clements offers international car, property, term life, health, specialty and high risk insurance in over 170 countries. With offices in Washington, DC, London, and Dubai Clements delivers comprehensive coverage, superior customer service, and unparalleled claims response.

To learn more and quote online, visit


Cigna Launches New International Health Insurance Plans for Individuals

Cigna Launches New International Health Insurance Plans for Individuals

Cigna Launches New International Health Insurance Plans for Individuals

  • Cigna introduces new individual private medical insurance product suite which includes Silver, Gold and Platinum options;
  • Gives customers and partners the ability to create unique plans which fit around their unique healthcare needs and budgets, while still benefitting from Cigna’s industry-leading service;
  • Replaces existing Cigna Global Health Options and Advance plans Launch comes in response to customer demand for more choice and more flexible healthcare options.

Cigna, one of the world’s leading international health insurers, is excited to announce the launch of a brand new suite of international health insurance products.

The Cigna Global product suite, which is targeted to expatriates and globally mobile individuals, has been expanded to create a new three-level international health insurance plan. Customers can now benefit from a wider range of plans and customize their cover around their specific healthcare needs and budget. The new healthcare plans – which include Silver, Gold and Platinum cover levels - give customers more flexibility with modular cover options and a choice of cost share and deductible levels. The customer starts out with core International Medical Insurance, which provides cover for all inpatient, specialist and accommodation costs, as well as cover for cancer and psychiatric care. They then choose what is important to them, and add on additional module options which include Outpatient, Health & Wellbeing, Medical Evacuation and Vision & Dental options.

Phil Austin, Head of Global Individual Private Medical Insurance said: “The new plans have been developed in response to customer and broker demand for a wider range of products which span across different market segments. The new plans give us the ability to provide products which suit a greater footprint of customers, and with the added flexibility of teaming a modular approach with deductible and cost share options, it has become really easy for customers to build a plan which is matched to the their unique needs”. The plans were developed after a period of customer and market research which identified a gap in the market for an affordable, high quality, high service healthcare plan.

Austin added: “Our customers appreciated our existing high-service Global Health Options plan which performed well at the upperend of the market. We identified an acute need for additional quality, affordable plans in the middlemarket: for those individuals who are moving abroad but are paying for their plan themselves and want to contain costs but maintain high service levels. The new plans are about giving customers much more choice, so they can get all the cover they need without having to pay for cover they don’t need. After all, if you know you won’t need maternity care, why should you pay for a plan which includes it?”

Key features of the new plans:

  • Choice of Silver, Gold or Platinum options International Medical Insurance core cover as standard, covering inpatient hospital stays, specialist consultants, cancer care etc, and also maternity care on Platinum and Gold plans
  • Flexibility to build a unique plan with a range of additional optional modules, including Outpatient cover; Medical Evacuation; Health & Wellbeing; and Vision & Dental cover
  • Manage premiums with deductible and cost share options on core and Outpatient Comprehensive cancer care as standard
  • No maximum age restrictions
  • Guaranteed renewability

The plans bring a high-service proposition to the mid-market. Customers get access to service levels usually only available on higher-end plans, including:

  • Access to a team of professionals to help navigate the complexities of international health insurance 24/7/365;
  • A global network of over 1 million hospitals, physicians, clinics and health specialists located around the world;
  • Direct claims settlement with providers in most cases, or reimbursement within 5 days.

About Cigna Global Health Options

Cigna is a global health service company dedicated to helping people improve their health, well-being and sense of security. As an operating subsidiary, Cigna Global Health Options provides global international health care plans designed for customers who want the flexibility of having easy access to high quality health care around the world.

  • International Medical Insurance;
  • International Outpatient;
  • International Health and Well-being;
  • International Vision and Dental;
  • International Medical Evacuation.

For more information on the new plans, view the Sales Brochure:

If you are a broker seeking more information, or wishing to offer the new plans, register at



You Are Global

You Are Global Overseas Health Insurance


You Are Global is a leading international health, expat, life and travel insurance broker and intermediary, based in Brazil. You Are Global works with leading private medical insurance providers and companies like IMG, Cigna, HCC, Now Health International and Allianz Worldwide Care. You Are Global caters specifically for expatriates, travelers and tourists, working, living and visiting Brazil. You Are Global has specific expertise working with Spanish speaking cultures around the world whilst also proving international health, medical, travel, expat and life insurance plan to the out bound travel market in Brazil.


You Are Global

You Are Global Overseas Health Insurance

You Are Global is a leading international health, expat, life and travel insurance broker and intermediary, based in Brazil. You Are Global works with leading private medical insurance providers and companies like IMG, Cigna, HCC, Now Health International and Allianz Worldwide Care. You Are Global caters specifically for expatriates, travelers and tourists, working, living and visiting Brazil. You Are Global has specific expertise working with Spanish speaking cultures around the world whilst also proving international health, medical, travel, expat and life insurance plan to the out bound travel market in Brazil.

How can we help?

If you are an international citizen and need a medical coverage which knows no boundaries, you are in the right place. We understand the world has evolved and business and study programs are not limited to the place we live. And this also happens to international travel opportunities: nowadays, travel abroad is easy due to globalization. In the other hand, we know that having a comprehensive, continuous and worldwide medical coverage is mandatory to an international citizen. Therefore, from now on you can access all solutions ValenteRocha provides throughout “You are global – SeguroSaúdeemViagens” program.

You can have a global support, with online assistance, quoting and contracting your international medical coverage with adjustable options as you have never seen. Now you have access to the most comprehensive medical coverage plan available in the American Health Insurance Style. *You are Global – Seguro Saúde em Viagem”isValenteRochaproperty for international medical coverage plans.

Safe On-line Shopping

The whole process of your international medical coverage shopping can be on-line, throughout the internet. In this channel, you can have the quotation you need, revise the offered coverages, fulfill your personal data and send, directly to the enterprise, your international medical coverage request. We know that, due to the nature of our solutions, some personal information is confidential. Then, the entire information submitting process is confidential and all personal information is sent directly to underwriting department which is under a severe clause of confidentiality regarding our clients` information. All this provides you peace of mind. All the shopping system is secured by a safe site and digital certificate, which ensures the online shopping. In other words, we are ready for you to have what is the top of the best medical coverage available, aligned with an customer service and underwriting processes with are modern, safe and dynamic.

Company: You Are Global

Address: R.Lima Barreto, 442, Curitba, Brazil

Phone: +55 41 3527 2680

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.



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Medical, Healthcare, Expatriate And Travel Insurance

A guide to leading international medical, healthcare, expatriate and travel insurance underwriters, companies, providers, operating within leisure, expatriate and corporate travel business markets, globally.