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    Medical Benefits Abroad

    Para empresas con sede en Canadá o EE. UU.

    Medical Benefits Abroad®

    A practical solution for organisations with employees travelling internationally on business.

    Medical Benefits Abroad (MBA) provides short-term medical cover for unexpected illness or injury that may occur while employees are travelling outside their country of residence or permanent assignment on business.

    Protect your employees with global cover while they travel
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    Why choose Medical Benefits Abroad for your business?

    Built for international business travel

    Cover starts when travel begins

    No eligibility data required

    Flexible pre-priced plan options
    Cigna Leaf

    For organisations with employees travelling internationally

    Medical Benefits Abroad is designed for companies whose employees regularly travel outside their home country on short-term business trips.

    Cover starts when a trip begins and ends when the employee returns, making MBA a practical option for organisations that need business travel medical cover rather than long-term international health insurance.


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    How Medical Benefits Abroad supports your business

    Easy administration for employers

    No need to provide eligibility data, helping reduce setup complexity.

    Annual pricing structure

    A simple premium model helps make cover easier to budget for and manage.

    Pre-priced and tailored options

    Choose from four pre-priced plans or request cover tailored to your travel needs.

    Practical claims administration

    Online claims submission helps simplify the process, with many claims paid directly to providers and most clean claims processed in 15 days or less.

    Support in multiple languages

    Employees can access assistance 24/7 in nearly 170 languages.

    Additional travel-related options

    Optional cover includes personal travel and medical care for accompanying family members.

    What sets Medical Benefits Abroad apart?

    Medical Benefits Abroad goes beyond traditional travel medical cover, helping employees access and navigate healthcare while abroad.

    From finding appropriate treatment to arranging appointments and hospital admissions, the plan is designed to provide practical support when it’s needed most.

    Where direct billing is not available, guarantees of payment can be arranged, and employees can also access global telehealth.
    Cigna Leaf

    Detalles del plan
    2

    Cobertura médica estándar

    Provides cover for essential healthcare needs that may arise during international business travel, helping employees access treatment when it is needed.

    • Medical treatment for illness or injury
    • Emergency dental care
    • Prescription drugs and replacement medications
    • Medical evacuation and coordination

    Cobertura opcional

    Additional options are available to extend protection based on your organisation’s travel requirements and risk considerations.

    Speak to our team to learn more about Medical Benefits Abroad.


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    Supporting your employees when they need care abroad

    To help employees access healthcare while travelling, Medical Benefits Abroad combines practical medical support with additional assistance for more complex situations.

    • Support while travelling
      Help finding providers, arranging medical appointments, coordinating hospital admissions and replacing prescriptions when medically necessary.
    • Care access support
      Where direct billing is not available, guarantees of payment can often be arranged to support access to treatment.
    • Crisis assistance
      Additional support is available for situations such as natural disasters, political unrest, violent crime and other travel-related risks.

    Speak to our team to learn more about Medical Benefits Abroad.


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    Cigna Leaf

    Cigna Envoy® te ofrece un control total

    Cigna Envoy helps employees manage their cover and access useful travel information in one place.

    Información completa, servicios y asistencia en CignaEnvoy.com

    • Search for healthcare providers and access trusted global networks.
    • File claims online and monitor progress in one place.
    • View benefits, policy details and printable ID cards.
    • Access country-specific health and safety information.
    • Additional tools, includes drug translation tools and guidance on immunisations and disease prevention.

    Más información

    Protect your travelling workforce

    Help employees access medical cover during international business trips with a solution designed for organisations with travelling teams.

    Speak to our team to discuss how Medical Benefits Abroad could help you provide the right level of protection for your employees.

    Preguntas frecuentes
    What is Medical Benefits Abroad?

    Medical Benefits Abroad is a business travel medical insurance solution that provides cover for unexpected illness or injury while employees are travelling internationally on business.
    Who is Medical Benefits Abroad designed for?

    It is designed for organisations with employees who travel abroad on short-term business trips, rather than those on long-term international assignments.
    When does cover begin and end?

    Cover begins when an employee leaves their country of residence or permanent assignment and ends when they return.
    What does Medical Benefits Abroad cover?

    Core cover includes medical treatment, prescription medication, emergency dental care and medical evacuation, with optional cover available for additional needs.
    Can employees access care without paying upfront?

    In many cases, healthcare providers can be paid directly. Where direct billing is not available, a guarantee of payment (GOP) can often be arranged to support access to treatment.
    How quickly are claims processed?

    Many claims are paid directly to providers, and more than 90% of clean customer claims are paid in 15 days or less.
    Is support available while employees are travelling?

    Yes. Employees can access help with finding providers, arranging appointments, hospital admissions, clinical guidance and prescription replacement where medically necessary.
    Does MBA include support for more serious travel risks?

    Yes. Crisis Assistance Plus provides coordinated support for risks such as natural disasters, political threats, violent crime, kidnaps and wrongful detentions.
    Can family members be covered?

    Optional cover may be available for accompanying family members travelling with the employee.

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    Aviso legal

    Las aplicaciones web, como Cigna Envoy®, están disponibles solo para fines informativos. Estas herramientas no pretenden ser en ningún momento un sustituto de la atención médica proporcionada por un médico. El listado de profesionales o centros de atención médica en los directorios móviles disponibles a través de la aplicación móvil Cigna Envoy no garantiza que los servicios prestados por ese profesional o centro estén cubiertos por tu plan de prestaciones. Consulta los documentos de tu plan o llama al número que figura en tu tarjeta de identificación para obtener información sobre los servicios cubiertos por las prestaciones de tu plan. Las referencias a organizaciones o empresas no asociadas y a sus productos, procesos o servicios no constituyen necesariamente un aval o garantía de los mismos.

    La descarga y el uso de la aplicación Cigna Envoy están sujetos a los términos y condiciones de la aplicación y de la tienda en línea de la que se descargue. Standard mobile phone carrier and data usage charges apply. El logotipo de Apple es una marca comercial propiedad de Apple Inc., registrada en Estados Unidos y otros países. App Store es una marca de servicio de Apple Inc. Google Play es una marca registrada de Google Inc.
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    Los 2,4 millones de hospitales y profesionales sanitarios son datos del análisis de la red GHB de febrero de 2025. Sujeto a cambios.

    © Cigna Healthcare. Todos los derechos reservados.

    * Ten en cuenta que esto es una representación de las prestaciones disponibles y no contiene los términos, condiciones y exclusiones específicos de cada prestación. Las prestaciones pueden estar sujetas a cambios. Algunas prestaciones pueden formar parte de un módulo opcional. Consulta la Guía del cliente para obtener todos los detalles.

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    Nuestras pólizas están suscritas por la compañía de seguros Cigna Global Insurance Company Limited, una sociedad privada limitada conforme a la legislación de Guernsey, con domicilio social en PO Box 155, Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 4ET, y número de registro de la compañía 41925. Cigna Global Insurance Company Limited está autorizada y regulada por la Comisión de Servicios Financieros de Guernsey para la realización de actividades de seguros en Guernsey.

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