Direct payment of medical expenses
 

How can I avoid advancing the costs of my treatment?

• In case of a planned admission, contact us well in advance so we can arrange for direct payment of your expenses, if applicable to your plan.
• Direct payment is also possible in case of an emergency or accident. Simply show your membership card to the health care provider upon admission and have someone contact us as soon as possible.
   

How does direct payment work?
To help us arrange direct payment in case of a planned hospitalisation, please follow these steps:
Log in to your personal webpages and search for your preferred provider in the Provider List section. If your provider has no direct payment agreement with us, simply contact us and we will try and arrange direct payment on a case-by-case basis.

1. The provider provides us in advance with information on the diagnosis, the treatment planned and the estimated costs by completing the online form. Alternatively, he can complete the Cost estimate form and return it to the e-mail address or fax mentioned on the form.
2. Cigna sends a Guarantee of payment (GOP) to both you and the provider. This document mentions whether or not the treatment is covered and what portion of the expenses will be invoiced to us directly.
3. Upon admission, show your membership card and Guarantee of payment to the provider.
4. Cigna settles the bill directly with the provider. You only have to pay the remaining patient portion. After we settle with the provider, you will receive a settlement note.

Claiming expenses
 

How can I claim my expenses?
To file a claim or claim your expenses, follow the steps below:

1. Download the Claim form. You can find it on your personal webpages under Useful documents. The form is customised for your personal use: your name and your Cigna personal reference number are automatically filled in. Please use one separate form per person.
2. Complete it and sign it.
3. Attach the original supporting documents (invoices, prescriptions, etc.).
4. Make copies of the form and of all supporting documents for your personal records.
5. Send your claim form with all supporting documents to the address mentioned on the form.

When will I be reimbursed?
 We understand that you expect a smooth and swift reimbursement of your claims. Therefore, we aim at a rapid and hassle-free settlement of all claims and process 99% of the claims within 10 days of reception of all required documents.

How do I know my claims have been settled?
Cigna sends you a detailed settlement note by post, or by e-mail if you have registered to our Settlement details online service. If your claim has not been accepted or if it has been only partially accepted, you will find detailed explanation on your settlement note.

Health care providers
 

I am looking for a health care provider. Can you help me?
Naturally! Log in to your personal webpages and search for your preferred provider in the Provider List section. You can easily search for all types of health care providers by name, medical speciality, or region and you can find out which agreements we have with them.
 

What if my preferred provider is not part of Cigna’s network?
If your provider does not have an agreement with us, simply contact us and we will try and arrange direct payment and/or a discount on a case-by-case basis.

Benefits information
 

Where can I find a detailed description of my plan benefits?
Your plan’s reimbursement rates and requirements, ceilings and exclusions are available on your personal webpages.
 

Where can I find information on health topics?
The Health encyclopedia on your personal webpages provides you with detailed information on diseases, symptoms and treatments. Once logged in, go to the My Health section.