• Group Life
  • Group Personal Accident Insurance
  • Group Funeral Cover
  • Workmen’s Compensation
  • Hollard Cigna Health
  • What is Hollard Cigna Health?

    Comprehensive health insurance solutions for multinationals

    Providing your employees with the best medical care makes sound business sense and through our partnership with Cigna, one of the world’s largest health insurance companies, Hollard Mozambique is able to offer fully, locally admitted, Pan-African health insurance solutions for multinationals operating in Africa.

    Targeted at local and expatriate employees, we have a range of products to ensure that comprehensive medical support is available to suit the needs of your business and the people who rely on you to provide for their healthcare.

    Repatriate

    For expatriates on international assignments who have comprehensive healthcare back home (and typically receive their day-to-day health treatment there on home visits) but experience a medical emergency or require intensive treatment for a chronic illness while they are away.

    This ‘stop-gap’ cover includes medical stabilisation, in the hospital if necessary and then transportation back to their country of origin. 

    Inpatient Evac

    For smaller international organisations who seek access to private healthcare for their middle-tier executives to take care of serious health problems.  Inpatient Evac covers medical emergencies and the diagnosis and treatment of major conditions, such as cancer but to make it more affordable, excludes day-to-day outpatient costs.  However, if appropriate treatment is not available locally, employees will be given access to treatment out of the country.

    Inpatient Evac +

    For senior local and expatriate executives, this select product provides complete peace of mind that they are covered for any serious health issues and emergencies.

    Typically, this product suits businesses with an appetite for expansion in Africa and with smaller, fledgeling operations in other countries.

    Hollard Cigna Health Policy Benefits:

    Policy Annual Maximum Benefit

    This is subject to the limits and limitations set out in the Benefits Overview and is the total payable for all claims by a single insured person over the course of an insurance year.  Once the annual limit is exhausted, no further payments will be made that year.

    Medical Emergency Evacuation and Out of Country Assistance Annual Maximum Benefit

    These benefits are subject to the limits and limitations set out in the Benefits Overview and are the total payable for all claims by a single insured person over the course of an insurance year. Once the annual limit for Medical Emergency Evacuation and Out of Country Assistance is exhausted, no further payments will be made that year.

    Inpatient Annual Maximum Benefit

    These benefits are subject to the limits and limitations set out in the Benefits Overview and are the total payable for all claims by a single insured person over the course of an insurance year. Once the annual limit for Inpatient benefits is exhausted, no further payments will be made that year.

    Paid in Full

    Subject to the terms and conditions of the relevant Hollard Cigna Health Policy, this means the amount of the claim submitted will be fully paid by the Insurer, up to the specified Maximum Benefit.

    Medical Emergency Evacuation

    Evacuation, as determined by the Assistance Provider (AP), will take place if the person experiences an Injury or sudden and unexpected change in their physical condition which could reasonably be expected to result in: loss of life or limb; significant impairment to bodily function; or permanent dysfunction of a body part, if treatment is not performed immediately.

    Planned Out-of-Country Care

    Travel for non-emergency (but medically necessary) treatment which has been approved by the Administrator and established by the Administrator’s medical consultants, that:

    • Adequate treatment is not available (in the host country, in the case of an expatriate and the home country in the case of local employees). In making this decision, the medical consultant will consider whether the treatment is available and/or of an appropriate medically accepted standard.
       
    • A referral letter from the local treating physician is provided.
       
    • Care, in the case of an expatriate, cannot be postponed until they are scheduled to return to their home country for a holiday, rest and/or family visit.

    Cover in respect of the 1 x Family Members outward / return journey and cost of accommodation only applies if the Insured Person is hospitalised outside of their Home or Host Country for more than five (5) days (or more than forty-eight (48) hours if he/she is a minor or disabled).

    NB: This is an outline of the Hollard Cigna products we offer. For a complete list of benefits, exclusions and limitations, please refer to our individual policy terms and conditions. Not all products and services are available in all jurisdictions.

    For more information on our insurance healthcare products, visit www.hollardcignahealth.com