UN WWP

Why should I not seek care in the US when covered under the UN Worldwide Plan?

The plan does not offer adequate medical protection owing to the annual reimbursement limit of $250,000 and the high cost of medical care in the United States. In addition, you will be responsible for the first $5,000 per person or $15,000 per family every year before the plan begins to pay for medical services received in the United States. Furthermore, expenses incurred in the United States will not be subject to the Major Medical Benefits Plan. 

How is a regional rate group determined?

Three regional premium rate groups have been established to enable the determination of premiums that are broadly commensurate with the expected overall level of claims for the locations included within each rate group. The applicable rate group is based on the staff member’s duty station regardless of whether the covered family members are residing in the same duty station or if care is sought primarily outside the duty station. For retirees, the applicable rate group is based on the retiree’s mailing address. 

I am a UN WWP participant and am planning to include my wife during the next annual enrollment campaign. How much will the monthly premium increase?

We have a simulator available under the Reference Material section.

Why is the annual insured value in the UN Worldwide Plan capped at 250,000 USD per year? What am I supposed to do in unfortunate serious incidents where the costs may exceed that amount?

Financial hardship may apply in the event of serious illness.

What is the time limit to submit medical claims? 

All claims must reach Cigna within two years after the date on which the expenses were incurred.

Is prior approval required under UN WWP?

Prior approval from Cigna’s medical consultant is required for all non-emergency hospitalisations.

Could you provide more information on new autism and ABA coverage?

Applied Behavioral Analysis (ABA) is a type of therapy that can improve social, communication, and learning skills through positive reinforcement. Since 1st July 2020, individual ABA sessions (1 on 1 sessions between the patient and the therapist) for patients with autism spectrum disorder are being covered under the UN WWP.

The UN Worldwide plan does not provide adequate cover in the US. What needs to be done, if a UN WWP participant travels to the US?

UN WWP participants are only adequately covered for emergency care in the US. Only in case the treatment follows a medical emergency in the USA, the MMBP will reimburse an additional 80% of the participant’s 20% share. In case of medical emergencies, no deductible will apply. However, the participant’s total out-of-pocket cost (the 20% share) is 2,200 USD, or 6,600 USD for the family, before the MMBP kicks in.

How can I submit a claim?

Once you have registered to the Cigna member pages (www.cignahealthbenefits.com), you can access the claim form section through this weblink: https://www.cignahealthbenefits.com/Microsites/newco/claims. This secure webspage will guide you through the claiming process.