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Why is it called Non-medical insurance?

4 May 2017

Non-medical insurance is mainly focused on benefits such as long-term care, accident, temporary incapacity, disability and life benefits. There are also different kinds of assistance contracts (ranging from medical evacuation contracts to mission insurance) that often include other non-medical benefits.

The term ‘non-medical insurance’ has very little to do with the areas of health care it covers. It originated when insurers began offering young, healthy people insurance without the need to first undergo medical examinations. ‘Non-medically underwritten’ insurance was soon known as ‘non-medical insurance’. For better or worse, this name has stuck. Although it may be a bit confusing as there are medical aspects involved in most non-medical situations.

In step with the insurance world, non-medical insurance has evolved. Nowadays, various benefits fall under the banner of non-medical insurance. They include:
  • Accident insurance
  • Sick leave
  • Long-term care
  • Evacuation/repatriation
  • Disability insurance
  • Life insurance
     

A tailored solution

To figure out which non-medical insurance fits a client, we start by looking at their Staff Rules. They reflect the obligations of the organisation. This allows us to tailor our solution and advise the client on how to best match the different benefits.

Asking questions is also important to define what the client needs. Some of the questions we ask are:

  • Which parts of the world is the organisation working in?
  • Do they interact with the social security system in these countries?
  • Are there any specific procedural requests the clients have?
  • Do we need to integrate with the client’s medical service?
     

The insurance world is complicated. Our processes don’t need to be.

Who do you contact about a claim? Which team deals with disabilities? Why does non-medical insurance cover medical issues? What steps do you need to follow for reimbursement?

Understanding how our customers experience our insurance processes is vital to improving them. This is why Cigna engaged in a Customer Journey Mapping project for non-medical claims. It examined our processes from A to Z, recording the highs and lows experienced along the way.

It helped us to optimise our processes and better enable our staff to guide our clients through the steps from their perspective. And most important of all: it helps us serve you better.