150726 Product brochure_PDF_v7 (1)

TWO WORLD CLASS INSURERS.A WIDE RANGE OF COMPLIANT PLANS.GET IT ALL FROM CIGNA-SAICOHEALTH.

2 TABLE OF CONTENTS

TABLE OF CONTENTS SECTION 1: Introduction GO SECTION 2: The Cigna-SAICOHEALTH Connection GO SECTION 3: Learn About the Plan GO 3 SECTION 4: Build Your Coverage GO SECTION 5: Manage Your Plan with Cigna Envoy GO This brochure is accompanied by three inserts. Click the PDF icon to download. Insert 1 Title Insert 2 Title Insert 3 Title 2

24 TABLE OF COInNtrTodEuNctTioSn

TABLE OF CONTENTS An established company with deep roots throughout the GCC. The world’s leading provider of benefits to globally mobile professionals. By combining our resources, we’ve created locally compliant, flexible plans for the GCC that you can tailor to your specific needs. Turn the page to begin learning: > The many advantages of choosing the plan > How to create the perfect plan for your company - a step-by-step guide > How Cigna Envoy makes managing plans easier for you and your employees 25

The CigTnaA-SBALICEOHOEFALCTHOCNoTnnEecNtiTonS Working together to give employers in the GCC the best possible health insurance options. Together, SAICOHEALTH and Cigna can bring delivered locally with access to an extensive you the best of both regional and international network of doctors, clinics and hospitals. Our health services. With an extensive global goal is to provide your employees with easy network of healthcare facilities and access to quality care worldwide. professionals, a strong investment in service and a genuine focus on you and your By combining forces, SAICOHEALTH and Cigna employees, our teams around the world offer a regional network with international reach are here to support your business success. to ensure that your health care programme is Through this alliance, your employees will both locally compliant and offers coverage that experience world-class customer service is transportable on a global basis. Questions? Get answers quickly by sending an email to [email protected]

27 TABLE OF CONTENTS

TABLE LeOarFnCAbOouNtTThEeNPlTanS Learn about our locally We’re experts at creating compliant medical plans. compliant solutions. Cigna and SAICOHEALTH have worked One of the benefits of this strong relationship together in the Middle East for more than is SAICOHEALTH’s deep history in the region. 15 years. Because of this, we’ve been able to By partnering with Cigna, that level of expertise create a plan that leverages our individual has continued to grow. Because of this, we strengths and shared experiences. It gives easily create locally compliant plans employers what they are looking for now throughout the GCC. and into the future. A strong partnership. > Full compliance with local regulatory A strong company. requirements In addition, SAICOHEALTH is also one of the > A wholly integrated plan with a single most solid and secure insurers in the GCC. platform and one administration process Saudi Arabian Insurance Company B.S.C. (C) (Damana) (Bahrain) received an A- Financial > Flexible, tiered networks with more than Strength Rating (FSR) and ICR (Issuer Credit 2,800 local providers Rating) rating of a- from A.M.Best in 2015. > World-class customer service > The ability to tailor your plan to your needs Questions? Get answers quickly by sending an email to [email protected]

29 TABLE OF CONTENTS

TABLE LeOarFnCAbOouNtTThEeNPlTanS Easier for you. Easier for your employees. Direct billing, fast pre-approvals and fast claims payments. The last thing you want is a health plan that When your employees travel outside of creates more work for you and your employees. the GCC, they’ll be happy to know that At Cigna-SAICOHEALTH, we’ve done all we can Cigna offers the largest direct billing to make getting top-quality care easy. To do network in the world. And if an employee’s this, we’ve built an extensive network of more chosen provider isn’t in that network, than 2,800 direct billing providers in the GCC. Cigna makes settling claims simple and fast. Whether employees submit an invoice, claim And when a pre-approval is required, your em- form or online claim, 90% are paid within 5 ployees can count on getting it quickly. business days and 95% are paid within 10 Just look at these numbers: business days. > 9 0% of pre-approvals occur within Cigna’s extensive global network consists 30 minutes of more than 1 million doctors and hospitals in over 190 countries. So no matter where > 95% of pre-approvals occur within 1 hour your employees go, Cigna is likely to be there for them. > 100% of pre-approvals occur within 48 hours Questions? Get answers quickly by sending an email to [email protected]

TABLE OF CONTENTS Got a question? We’re here for you and your employees 24/7. 11 For globally mobile employees, being able to get answers when they’re needed is vitally important. Many live in countries where they don’t speak the language or know the area. So when health issues arise, it helps to know that someone will always be there to help. Our Global Service Centers were created just for employees like these. They’re open all the time. In the middle of the night. On weekends. And holidays. In short, whenever employees have a question that needs to be answered, someone will be there to answer it. Our representatives speak many different languages so we are truly able to cater to the needs of globally mobile professionals. In addition, employees get access to a full team of medical professionals just by calling. And now, you and your employees have a new way to reach us - through our user-friendly, robust mobile app. 2

TABLE LeOarFnCAbOouNtTThEeNPlTanS Our locally compliant plans A few exclusions. offer the flexibility you need. Like all health plans, there are things that Cigna-SAICOHEALTH does not provide coverage In recent years, brokers and employers have told for. Some of these include: us what they wanted to see more of in our plans. Flexibility, flexibility and more flexibility. With > Injuries due to involvement in terrorism, this offering, we’ve delivered. You now have the war and illegal acts ability to build a plan that’s tailor-made for your company. As a matter of fact, we’ve made it so > Alcohol and drug abuse counselling easy, you can to build it yourself right now. Just turn the page to get started. > Cosmetic surgery > Dietary supplements > Genetic screenings Where can I get > N ature cure clinics, health spas and Cigna-SAICOHEALTH nursing homes coverage for my employees? > Fertility treatments > Sex change operations Cigna-SAICOHEALTH offers plan options > Travel and accommodation costs that throughout the GCC. You can cover your haven’t been pre-approved globally mobile employees in: > Unless part of your plan, routine health > United Arab Emirates screenings and medical exams > Kingdom of Saudi Arabia To see the full list of what’s excluded, please > Qatar refer to the policy terms and conditions. You’ll > Bahrain also find additional details and information there. > Oman212 > Kuwait

TABLE OF CONTENTS Cigna-SAICOHEALTH plan options. Your quick reference guide. Dubai Abu Dhabi KSA Other Emirate / Country ✓ Premier Plus Enhanced with DHA Enhanced with HAAD Enhanced with CCHI mandated benefits mandated benefits ✓(with wellness $450) compliant mandated benefits Premier Enhanced with DHA Enhanced with HAAD Enhanced with CCHI compliant mandated benefits mandated benefits mandated benefitsPremier Enhanced Yes X XX Dubai Enhanced Yes X XX Wellness ✓ ✓ ✓✓ Dental ✓ ✓ ✓✓ Vision ✓ ✓ ✓✓ Regional Dental - $450 Dental Extra - $1,875 Dental Extra Plus - $3,750 ME Dental Extra - $750 For complete details on what we offer in any of the above countries, 13 send an email to one of our Sales Advisors at [email protected]

TABLE BOuilFdCYoOurNCTovEerNaTgeS STEP 1: Start by choosing STEP 2: Select the level where you want coverage of coverage. for your employees. You’ve asked us for more flexible plans. Begin customizing your plan by choosing Our locally compliant plans deliver. where you want certain employees to be For example, our comprehensive, feature covered. And remember, different employees rich Premier plan offers: can get different plans in different places. You can cover employees: > Rich benefits throughout the entire GCC > Worldwide > T iered access to networks - at least three different levels > W orldwide except for the USA, Canada and the Caribbean > F lexible plans with multiple options for coverage, plan limits and more > The Middle East, North Africa, the Indian Subcontinent and Southeast Asia. > Out-of-network reimbursement options of 80% or excluded This versatile plan gives you the ability to offer globally mobile employees coverage no matter where they go. And if other employees live and work locally, they’ll have the same top-quality coverage - just in a more specific area. Choose to cover employees by job duty, nationality, country of residence, location and more.214 Start building your own plan right now. Click the PDF icon to start.

2 15 TABLE OF CONTENTS

216 TABLE OBuFildCYOouNr CToEveNraTgSe

TABLE OF CONTENTSSTEP 3: Add optional wellness, STEP 4: Contact your broker or vision and dental benefits. Cigna-SAICOHEALTH to finish putting your plan together. When it came to other benefits, we heard you loud and clear. Three of the most important The information provided in this brochure options we added are an enhanced wellness can go a long way in helping you build the program, upgraded vision care and more perfect plan for your company. To finish putting affordable dental plans. it all together, reach out to your broker or a Cigna Sales Support Advisor. No matter who > O ur wellness plans provide coverage you contact, you’ll get the support and for routine physical exams, pap smears, information you need to complete your plan. prostate cancer screenings and mammograms. If you’d like to talk to an expert at Cigna-SAICOHEALTH, email one of our > O ur vision plans cover one eye exam Sales Advisors at [email protected]. per year and pay up to $200 for lenses, frames and prescription sunglasses. Once you’re a customer, a Client Manager will be assigned to help you with any issue regard- ing your health plan. He or she will answer your questions, look for additional ways to manage your costs and much more. Start building your own plan right now. 17 Click the PDF icon to start.2

ManagTe yAoBurLpElanOFwitCh COigNnTaEEnNvToyS Making benefits management …and your employees. easier for you… Cigna Envoy doesn’t just work hard for you. It Once you’re set up as a Cigna-SAICOHEALTH works hard for your employees, providing customer, you’ll continue to get ongoing support them with answers, information and everything from your Cigna-SAICOHEALTH Client Manager. they need to make managing their benefits But once you try Cigna Envoy, you’ll likely find easier. With it, they’ll be able to: managing your plan as simple as a few clicks here and there. > Submit and track claims Designed to be both robust and intuitive, > View their plan design details Cigna Envoy helps you oversee: > Search the international provider directory > Your members > Download country guides > Documents and reports > Access health and wellness tools that > Member services help them translate drug and medical terms, provide online second opinions Plus, Cigna Envoy is accessible anywhere, any and much more. time and from any device. Go online or use the new Cigna Envoy mobile app. This state-of- In short, Cigna Envoy is the perfect complement the-art app offers special features for people to our locally compliant medical plans. It’s who are always on the go. For example, your smart, flexible and helps keep both you and employees can submit their claims with just your employees focused on what needs to get one click in the app. done - not worrying about medical plans. Learn more about Cigna Envoy today.218 Click video to get started.

TABLE OF CONTENTS Why choose They’re flexible. They’re compliant. And they Cigna-SAICOHEALTH? provide world-class coverage. Reach out to your broker or your Cigna-SAICOHEALTH At Cigna-SAICO Health, our mission is to help the people we serve, Sales Support Managers with questions or you and your employees, improve their health, well-being and sense to finish creating your perfect plan today. of security. To each and every one of our customers, we promise easy access to quality healthcare around the world. How do we To start - or finish - building your plan, deliver on that promise? By adhering to these principles. send an email to [email protected] > We are experts in helping you choose and design locally Email [email protected] compliant solutions > W e provide cost-effective yet comprehensive coverage across the globe > W e make things easy - with exceptional client and customer service > We give customers guaranteed access to an unrivaled global network of quality healthcare professionals > W e provide local expertise from Dubai to Denmark to Dallas - and everywhere else we serve our customers. > M ost importantly, we provide improved health, well being and human performance 2