Your Benefits Overview

UNDP NPSA/SC Holders

Version May 2025

05/26/2023 00:00:00
 UNDP NPSA/SC Holders

Cigna Healthcare at Your Service 3

Your Coverage 5
1. In General 5
2. The medical Insurance Plan for UNDP National
Personnel Services Agreement Holders and Service
Contract Holders (NPSA/SC) 7
3. Summary of benefits 8
3.1. In the Hospital 8
3.2. Ambulance, Transportation and Evacuation 9
3.3. At the General Practitioner’s 10
3.4. At the Licensed Qualified Healthcare Provider
(other than doctor) 11
3.5. At the Pharmacist’s 12
3.6. In the Laboratory/Medical imaging 14
3.7. Pregnancy and childbirth 15
3.8. (In)fertility 16
3.9. Optical care 16
3.10. Specialised Supplier's Office 17
3.11. Allergies 19
3.12. Dental Care 19
3.13. In the Special institution / institutional care 20
3.14. Outpatient treatment cycles 21
3.15. Outpatient surgery 21
3.16. Decease 22
4. Exclusions 23

5. Access to forms 24

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Cigna Healthcare at Your Service

24/7 Availability
You can reach us anytime, anywhere in your preferred language. If you would like to know how to submit a
claim or have any other questions, you can contact us by phone, e-mail, fax or post.

Tip: All our contact details are available with the tap of a finger on the Cigna Health Benefits
app. Download the free ‘Cigna Health Benefits app and manage your health plan right from
your smartphone.

Sometimes It Helps to See How Things Work

From how to claim expenses to what you should do in case of hospitalisation, we’ve created short videos to help
you quickly find answers to your questions.

Watch our video tutorials.

Our Contact Details

You can reach our multilingual team 24 hours a day, 7 days a week, 365 days a year. In case of emergency and
when contacting us by phone, we’ll ask you for your full name and date of birth. Please make sure you have
your personal reference number ready as well.

You can request a Guarantee of Payment by going to your personal webpages and filling in the online
form under the ‘Contact’ tab.

Call us for free using a toll-free number. If there is no toll-free number available for your country of
stay, you can use the dedicated phone number on your membership card. You can find the full list of
available toll-free numbers per country on your personal webpages.

We’re also available via Call back. You can find out more about these services on your personal
webpages.

You can also use the Cigna Health Benefits app to download or send an electronic version of your
membership card for you or a family member. Downloading your electronic membership card means
you’ll always have our contact information at hand in case of emergency.

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Your personal webpages and the Cigna

Health Benefits app - Access to online
information and services
All information regarding your plan is gathered on
your personal webpages and the Cigna Health
Benefits. Everything you need to know is easily
available in one place that is accessible at
anytime from anywhere in the world. Here you
can also access our online services: you can
search our worldwide health care provider
network for a doctor or hospital nearby, file a
claim and consult your settlement details.

Tip: We master all major languages in-house, so

there is no need for you to translate any of the
documents you wish to send us.

Access to quality health care at preferential

rates
Wherever you are, you have access to our
worldwide network of health care providers. In
countries where local regulations prohibit Cigna to
directly pay healthcare providers you may be
invited to pay the healthcare providers directly
and claim for reimbursement afterwards. We
make sure you benefit from health care services
at preferential rates. To find a provider that best
suits your needs, search our provider list by
location, type of facility and/or specialty on your
personal webpages. We have negotiated
advantageous rates with most of our providers.
Your out-of-pocket expenses will be lower.

Let us pay your medical bills

If you visit an in-network provider, for outpatient
treatment, you can show your (electronic)
membership card. You do not have to advance
your medical expenses first and submit a claim
for reimbursement afterwards. You will only have
to pay the out-of-pocket expenses depending on
the agreement type. For expenses above 400
USD, request a Guarantee of Payment.

Prior approval: avoid surprises by notifying

us in advance
For all non-emergency hospitalizations you must
request prior approval by our medical consultant.
By contacting us before a planned admission,
you will benefit from our direct payment service
and pre- negotiated prices. This means lower
out-of-pocket expenses and no unpleasant
surprises when you receive your medical bill.

Other treatments requiring prior approval from

Cigna’s medical consultant, are listed in the
detailed description of benefits below.

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Your Coverage
1. In General

Benefits Description

Overall Maximum Maximum of 30,000 USD per individual insurance year

The plan covers reasonable and customary expenses of medical, hospital

and dental treatment resulting from sickness, accident or maternity.
The plan only reimburses treatment, supplies or other services that are
widely and generally accepted as medically necessary and appropriate for
Aim the condition being treated, and when such treatment, supplies or other
services are prescribed by a licensed, qualified medical professional. Cigna
has the fiduciary duty and discretionary authority to determine, on behalf of
the UNDP, what constitutes a benefit or a covered service under the
programme.

Only reasonable and customary expenses are covered. This means that only
fees and prices which are commonly charged for the treatment or purchase
in question can be considered for reimbursement, taking into account the
geographical area where the treatment is given or the item is purchased.
Furthermore, the treatment or purchase must also be reasonable and
Reasonable and Customary
customary from a medical point of view. This means, for example, that the
number of treatment sessions/days of admission/dosage of medication
should be medically justified.
Any excesses in this regard will be limited to the reasonable and customary
level.

Area of coverage Worldwide excluding USA

The insurance programme does not reimburse the cost of services that have
been, or are expected to be reimbursed under another insurance, social
security or similar arrangement. For members covered by two or more
plans, the UNDP insurance programme coordinates benefits to ensure that
Coordination of Benefits the member receives as much coverage as possible but not in excess of
expenses incurred.
Members covered under the insurance programme are expected to advise
the Third Party Administrators (TPA) when a claim can also be made against
another insurer.

Currency of Reimbursement Claims will be reimbursed in USD.

Validity of Prescriptions One year (even for prescriptions mentioning ‘permanent use’)

All claims must reach Cigna within 12 months after the date on which the
Claim Submission Deadline
expenses were incurred.

Outpatient Treatment/Outpatient Treatment given on an outpatient basis, where the date of admission is the
Surgery/Day Case same as the date of discharge.

Inpatient Treatment given on an inpatient basis, where the date of admission differs
Treatment/Hospitalisation from the date of discharge.

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Benefits Description

Insurance Year An insurance year is defined per individual as a period of 12 consecutive

months starting from the start date of the first contract of the UNDP
NPSA/SC Holders.

Prior approval from Cigna’s medical consultant is required for all

non-emergency hospitalisations and for the services, including
but not limited to:
• MRIs, PET scans, CT scans;
• major dental treatment, such as crowns, implants, prosthetics;
• sub-acute and long-term acute care admissions;
• fertility treatment;
• orthopaedic appliances;
• inpatient rehabilitation;
• residential treatment;
• transplants;

Prior Approval • outpatient surgical procedures

• inpatient mental health treatment and substance abuse
rehabilitation.

Prior approval means that reimbursement is guaranteed only in cases where

our medical consultant grants his explicit approval for the treatment, on the
basis of the medical justification, as well as a Cost estimate furnished by the
beneficiary at least one week prior to the planned admission. In case of a
medical emergency, approval can be obtained post factum, on the basis of
the same medical criteria.

Other benefits that require prior approval from Cigna’s medical consultant
include acupuncture, speech therapy, home health care, durable medical
equipment or orthopaedic appliances, and

vitamins, minerals and food/nutritional supplements.

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2. The medical Insurance Plan for UNDP National Personnel Services Agreement
Holders and Service Contract Holders (NPSA/SC)

The plan indemnifies NPSA/SC Holders and their eligible dependants, within the limits of the plan, for
reasonable and customary charges for medical treatment incurred worldwide, except in the USA.

The plan reimburses only treatment, supplies or other services that are widely and generally accepted as
medically necessary and appropriate for the condition being treated, and when such treatment, supplies or
other services are prescribed by a licensed, qualified medical professional.

The Insurers and UNDP agree that Cigna has the fiduciary duty and discretionary authority to determine what
constitutes a covered service or plan benefit under the plan.

In some cases, a prior approval from Cigna’s Medical consultant is required to obtain a reimbursement. Prior
approval means that reimbursement is guaranteed only in cases where, on the basis of the medical justification
furnished by the beneficiary Cigna’ medical consultant grants his explicit approval for the treatment. If prior
approval was not requested (e.g. in the case of medical emergency), approval can be obtained post factum, on
the basis of the same medical criteria.

The aggregate reimbursement the Insurers shall be obliged to pay in respect of the total expenses which are
covered by this section and are incurred by an insured person shall not exceed 30,000.00 US dollars (thirty
thousand) per individual insurance year (equal to a twelve consecutive months' period).

The provisions set forth in this section shall be subject to this limitation of aggregate reimbursement by the
Insurers and to the general exclusions.

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3. Summary of benefits

3.1. In the Hospital

General Rule

Insurance coverage is valid within the country of your duty station. While you may decide to seek medical
care outside the country of your duty station, reimbursement will be limited to the reasonable and
customary expenses level applicable to the country of your duty station.

You are covered for all generally accepted medical and surgical procedures (up to the limits of reasonable
and customary expenses).

The UNDP NPSA/SC holder’s plan offers a free choice of physician and care provider. You can therefore be
treated by the physician of your choice and in the medical facility of your choice.

Item Remarks

Prior approval from Cigna’s medical consultant is required for all non-emergency
hospitalisations. Notification of such hospitalisations should be given at least 1 week
prior to the admission date.

Stay (bed and board expenses) 100% of the price of a semi-private room

In case the hospital does not have semi-private rooms, we reimburse

80% of a private room

Stay in the Intensive Care Unit 100%

(ICU)

Doctor’s fees (surgeon, treating 100%

physician, assistant,
anaesthetist, midwife)

Other hospital expenses (e.g. 100%

use of operating theatre and
equipment, lab, x-rays,
medication for use during the
hospital admission)

All-in or package prices 100%

Accompanying person Not covered - except when the patient is under the age of 12 or when it
is required by local legislation.

Extra bed for accompanying 100%

adult for enrolled children under
12

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Personal expenses Not covered

Outpatient surgery (date of 100% Doctor’s fees: 100%

admission and discharge are the
Other hospital expenses: 100%
same)
Prior approval from Cigna’s medical consultant is required for all non-
emergency surgical interventions

Emergency room (outpatient 100%

care)

Chemotherapy, radiotherapy, 100%

hemodialysis, etc.

Private nursing during Not covered

hospitalization

3.2. Ambulance, Transportation and Evacuation

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks
General transportation costs Not covered
Ambulance from place of 100%
illness/accident to first hospital
where care can be given

Medical transport (no ambulance) Not covered

by professional services

Helicopter ambulance Not covered

Search & rescue (e.g. in case of

Not covered
ski- accident)

Taxi Not covered

Own transportation Not covered

Public transportation Not covered

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Repatriation of patient to his/her

Not covered
home country

Medical evacuation of patient to 100% up to the maximum of 8,000 USD and subject to the overall ceiling of
country where care can be 30.000 USD
provided
• Only in case of emergency or major disability

• Each case needs to be submitted to our medical consultant

The costs of the accompanying person or attendant are also covered up to

the maximum.

Doctor’s travelling expenses 100%

Repatriation of (living) patient to

See 3.21 Decease
his/her home country

3.3. At the General Practitioner’s

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks

Consultation GP (including virtual)

100%

Annual subscription fees Not covered

Minor surgical intervention in 100%

a doctor’s office

Vaccination Not covered

Seasonal flu vaccination 100%

Routine physical Exam Not covered

Well child care Not covered

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3.4. At the Licensed Qualified Healthcare Provider (other than doctor)

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor. Physiotherapy and
related treatments (Osteopathy, Chiropraxy, …) are subject to a combined ceiling.

Item Remarks

A doctor’s prescription is required for care given by a person holding a paramedical degree
(e.g. nurse, physiotherapist).

Physiotherapy 100%, up to a maximum of 60 sessions per individual insurance year

prescription from a doctor is required confirming the diagnosis and the
number of sessions required

Other treatments not provided by 100% - prior approval from Cigna's medical consultant is required
a doctor and no physiotherapy)

Medical act/supervision by a
nurse (wound dressing, 100%
injections, …)

Custodial care (i.e. assistance

with activities of daily living) by Not covered
person other than nurse (garde-
malade, home health aid, …)

Hospice care for terminally ill Not covered

persons

Dietician • 1 dietician visit per insurance year is acceptable for dietary-oriented

purposes in view of weight management (e.g. high cholesterol, heart disease,
etc.)
• Nutritional counselling is medically necessary for the above listed diagnoses
(diabetes mellitus/kidney insufficiency) and for BMI >30. In these cases,
dietary adjustment has a therapeutic role. The number of sessions, however,
will be limited up to 10 sessions per lifetime and are subject to prior
approval.
Prior approval is required.

Visit psychiatrist (=doctor) 80% up to a maximum of 1,200 USD per individual insurance year.

Psychotherapy at psychiatrist As stated above

(=doctor)

Psychotherapy at psychologist or As stated above

other therapist (≠ doctor)

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Item Remarks

A doctor’s prescription is required for care given by a person holding a paramedical degree
(e.g. nurse, physiotherapist).

Relationship therapy Not covered

3.5. At the Pharmacist’s

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks

General 100% (medical prescription from a doctor is required)

Drugs for obesity management / Not covered

dietary products

Chinese medicines 100%

TCM is only reimbursable in countries where the National Health Insurance

reimburses TCM (China, South Korea, North Korea, Vietnam, Taiwan, Japan,
Singapore, Thailand, Switzerland, Malaysia)

Phytotherapy Not covered

Homeopathy 100%

Medical prescription from a doctor is required

Food / nutritional supplements Not covered

Vitamins Multivitamins: not covered

Specific vitamins/minerals: not covered, unless when the

vitamin/mineral in question is taken to cure an existing deficit.

- Calcium for osteoporosis

- Iron for iron deficiency anaemia

- Multivitamins for pregnancy

- Vitamin C for HIV

- Vitamin D for osteoporosis and for children

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Item Remarks

- Zinc for the treatment of diarrhoea in infants and

children.

- Vitamin A, D and K for children are reimbursable when

medically necessary

Please send the results of the relevant laboratory test so that

our Medical Consultant can ascertain whether this is the case.

If approved, 100% is covered

Vaccinations / preventive Not covered

medication (e.g. against malaria)
Costs related to seasonal flu vaccination: 100%

Medication to (temporarily) treat 100%

impotence (Viagra, Levitra, …)
Condition:

• After a complete prostatectomy or in case of diabetes with complications

• Age limit of 65 (except for prostatectomy)

Prior approval from Cigna's medical consultant is required.

Bisphosphonates / Medication to 100%

treat osteoporosis (Fosamax,
Evista e.d.) Prior approval from Cigna's medical consultant is required.

Please provide us with the result of the BMM (Bone Mass

Measurement) taken before the treatment started mentioning

the T- and Z-scores. This type of medication will only be

covered if the BMM results show that the patient is suffering

from osteoporosis (i.e. if the T-score is -2.5 or below and the

Z-score is -1.0 or below). Reimbursement of such products is

limited to a period of five years

Nicotine substitutes Not covered

Hair tonics Not covered

Special shampoo 100%, limited to certain diagnosis and brands

Prior approval from Cigna's medical consultant is required.

Special toothpaste Not covered

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Item Remarks

Dressings/bandages 100%

Medical prescription from a doctor is required

3.6. In the Laboratory/Medical imaging

General Rule

In general, diagnostic tests and medical imaging are done on an outpatient basis. Test and imaging carried
out during a hospitalization are covered at 100% (see In the Hospital ).

Item Remarks
Diagnostic medical imaging 100%

Laboratory tests
100%

Preventive screening in general Not covered

X-rays 100%

Magnetic Resonance Imaging (MRI) 100%

Ultrasound 100%

Diagnostic Electrocardiogram (ECG) 100%

Mammography for diagnostic purposes 100%

PSA testing for preventive purposes Not covered

Routine, preventive Pap smear Not covered

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3.7. Pregnancy and childbirth

General Rule

Outpatient care given during pregnancy and at childbirth is reimbursable at 100%.

Inpatient care given during pregnancy and at childbirth is reimbursable at 100%.

Item Remarks

Amniocentesis 100% - Prior approval from Cigna's medical consultant is required

Delivery in hospital See 3.1 In the Hospital

Outpatient delivery see 3.15 Outpatient surgery

Home delivery 100%

Visits midwife 100%

Maternity care / assistance 100%

8 days starting from the day of the delivery (the number of days spent in the
hospital will be deducted)

Medical prescription from a doctor is required

Maternity pack for home delivery Not covered

Breast pump Not covered

Birth premium Not covered

Adoption premium Not covered

Prenatal exercises 100%, only in case it is provided by a paramedic

Postnatal exercises 100%, only in case it is provided by a paramedic

Medical prescription from a doctor is required

See 3.4 3.4 Physiotherapy

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3.8. (In)fertility

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks

100% up to a maximum of 200 USD per individual

Prescribed contraceptives (e.g.
birth control pill, IUD=intra-
insurance year (equal to a twelve consecutive months' period)
uterine device, contraceptive
implant, contraceptive injection)
Doctor’s prescription required

“Over the counter”

contraceptives condoms, Not covered
diaphragm, spermicides, …)

Sterilisation
Not covered

Reversal of sterilisation
Not covered

Abortus provocatus
Not covered

Hormonal treatment to stimulate

Not covered
fertility

IUI (intra-uterine insemination)

Not covered

IVF and/or ICSI (intra-cellular

Not covered
sperm injection)

Including the techniques to

obtain sperm PESA, TESE, MESA, Not covered
…)

Cryopreservation Not covered

3.9. Optical care

Item Remarks

Not covered (e.g. Lasik / Keratotomy and other procedures to change the
General
dioptre, eye test to determine dioptre)

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3.10. Specialised Supplier's Office

General Rule

Where applicable, Cigna will only reimburse the rental of devices instead of the purchase.

The services listed below are normally reimbursable provided they are prescribed by the attending physician
as medically necessary therefore, prior approval is required.

Item Remarks

In general: Orthopaedic devices 100%

Repair of Orthopaedic devices 100%

Hearing aids Not covered

Batteries hearing aids Not covered

Wheelchair, adapted buggy 100%

Adaptations to the house Not covered

(shower, elevator, special
lavatory, …)

Hospital bed 100%

Rollator, Gehwagen etc. 100%

100%
Expenses related to self-measurement of blood pressure (2.) will only be
approved for:
• Diabetics (both type I and II provided that the patient is taking medicines
to control the disease, i.e. insulin and/or oral antidiabetics);
• Pregnant women who present a clinical risk for developing toxicosis or pre-
Sphygmo(mano)meter = blood eclampsia;
pressure gauge • Elderly people suffering from multiple co- morbidities;
• Patients on home dialysis;
• Patients with cerebrovascular malformations.
The self-measurement monitor should be standardised, validated and
calibrated. Because of the above, the correct monitor should be leased out
by the treating physician or medical institution and only purchased if there is
no other alternative.

Material for diabetics:

Glucometer, insulin pump, strips; 100% (in case of insulin dependency)
Urine strips, …; 100% for all diabetics

Aerosol 100%

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Item Remarks

Home trainer Not covered

Infrared lamp Not covered

Decubitus material (special pillow, 100%

mattress)

Incontinence material 100%

Wig 100%

Special bathing suit after breast Not applicable

amputation

Special bra after breast 100%

amputation

CPAP appliance 100% provided that results of a sleep study evidences sleep apnea:
• Member's Apnea-Hypopnea Index (AHI) is higher than or equal to 15;
OR
• AHI is higher than 5 and lower than 14 and at least one of the following
criteria is met:
- Excessive daytime sleepiness (documented by either Epworth higher than
10 or Multiple Sleep Latency Test (MSLT) lower than 6); or
- Documented symptoms of impaired cognition, mood disorders, or
insomnia; or
- Documented hypertension (systolic blood pressure higher than 140 mm Hg
and/or diastolic blood pressure higher than 90 mm Hg); or
- Documented ischemic heart disease; or
- Documented history of stroke; or
- More than 20 episodes of oxygen desaturation less than 85% during a full
night sleep study, or any one episode of oxygen desaturation less than 70%.
• Rental with a service contract should be considered.
Only for the countries where rental is not possible, the charges related to
the purchase will be accepted.

Support stockings 100%

Orthopaedic insoles/shoes 100%

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3.11. Allergies

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks

Anti-allergic eiderdown coverage, Not covered

mattress cover, pillow cover

Immunotherapy 100%

Humidifier Not covered

Air cleaner Not covered

(Baby) food in case of allergy Not covered

(cow milk, gluten etc.)

(Baby) food in case of serious Not covered

metabolic disorder (bv. Amino
acid deficiency)

3.12. Dental Care

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks

Ordinary dental care 100% up to maximum of 600 USD per individual insurance year (equal to
twelve consecutive months' period).

See ordinary dental care

Half yearly dental examination at
dentist, orthodontist, dental
hygienist, dental surgeon, ….
See ordinary dental care
Scaling

See ordinary dental care

Prosthesis
See ordinary dental care
Provisional prosthesis

See ordinary dental care

X-rays
See ordinary dental care
Orthodontic treatment: the
device itself
See ordinary dental care
Orthodontic treatment: fees

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Item Remarks
See ordinary dental care
Dental hygiënist
Not covered
Treatment plan

100% up to maximum for dental care

Splint = mouthguard
See ordinary dental care
Implants

See ordinary dental care

Paradontosis treatment
See 3.20 Hospitalisations
Dental surgery, stomatology
Surgeon, anaesthetist, parts of implants/bridge: 100% up to the maximum
for ordinary dental care
See 3.20 Hospitalisations
Surgical tooth extraction (wisdom
teeth)
Surgeon, anaesthetist, parts of implants/bridge: 100% up to the maximum
for ordinary dental care

3.13. In the Special institution / institutional care

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks

Rehabilitation/convalescence See 2.20 Hospitalisations

after surgery
Not covered
Home for the elderly / nursing
home

Not covered
Institution for the disabled
Not covered
Cures

Drug and alcohol abuse Not covered

treatment centres

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3.14. Outpatient treatment cycles

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks

Outpatient chemotherapy 100%

Outpatient radiotherapy 100%

Outpatient hemodialysis 100%

3.15. Outpatient surgery

General Rule

All treatments and medicines must be prescribed by a qualified and registered medical doctor.

Item Remarks

Outpatient surgery (operating 100%

theatre required)

Day case (i.e. less than 24 100%

hours but room charged)

Minor surgery in doctor’s 100%

cabinet

Circumcision without medical Not covered

diagnosis

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3.16. Decease

Item Remarks

Funeral expenses Not covered

Repatriation 100% up to 8,000 USD as per Transportation section

Mortuary (in hospital) Not covered

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4. Exclusions

Insured participants who are mobilized or who volunteer for naval, air or military service in time of war;

- Injuries resulting from motor-vehicle racing or dangerous competitions in respect of which betting is allowed
(normal sports competitions are covered);
- The consequences of insurrections or riots if, by taking part, the plan member has broken the applicable laws;
and the consequences of brawls, except in cases of self-defence.
- Spa cures, rejuvenation cures or cosmetic treatment (reconstructive surgery is covered where it is necessary
as a result of an accident for which coverage is provided);
- The direct or indirect results of explosions, heat release or irradiation produced by transmutation of the
atomic nucleus or by radioactivity or resulting from radiation produced by the artificial acceleration of nuclear
particles.
- Expenses for, or in connection with, travel or transportation, whether by ambulance or otherwise, except that
charges for professional ambulance service used to transport the insured participant between the place where
he or she is injured by an accident or stricken by disease and the first hospital where treatment is given will
not be excluded. In case of emergency or major disability or repatriation, special transport of the insured
person, including costs of an accompanying person or attendant will be allowed, up to a maximum of 8,000
USD;
- aircraft accidents are only covered if the insured person is on board an aircraft with a valid certificate
of airworthiness, piloted by a person in possession of a valid license for the type of aircraft in question.
- In vitro fertilization.
- Expenses that are not deemed to be reasonable and customary. The determination of the reasonable and
customary charge for each service is made by Cigna, based on the prevailing charges for the service at the
place where treatment is rendered and considering the complexity of the treatment, including related services
or supplies. Fees for treatments, supplies or services that are determined by Cigna to be excessive compared
with prevailing fee levels will be reimbursed up to the reasonable and customary level for the geographical
area in which such medical services are received;
- Medical care that is not medically necessary or medical care that is not medically recognized as a treatment
for the diagnosis provided;
- Products, the effectiveness of which has not been sufficiently proved scientifically and which are not generally
medically recognized in the medical world, are not covered under the health plan. One example of this
exclusion is products containing glucosamine or chondroitin sulphate;
- Elective surgery not resulting from illness, an accident or maternity;
- All expenses related to medical treatment in the United States of America;
- periodic, preventive health examinations (except for one seasonal flu vaccination per insured person per
individual insured year);
- The consequences of sickness or accidents resulting from voluntary and intentional action on the part of the
plan member, e.g. attempted suicide, voluntary mutilation.
- All medical care in the USA

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limited solely to authorized personnel. © 2025 Cigna Healthcare
 UNDP NPSA/SC Holders

5. Access to forms

You can download various forms on your personal webpages. You can access your personal webpages as
follows:

• Go to [Link] and click ‘Plan members’.

• Fill in your personal reference number and password. You’ll find your personal reference number on your
membership card (244/xxxxx).

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limited solely to authorized personnel. © 2025 Cigna Healthcare
 UNDP NPSA/SC Holders

Your
•

Benefit
Overview

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Confidential, unpublished property of Cigna Healthcare. Do not duplicate or distribute. Use and distribution
limited solely to authorized personnel. © 2025 Cigna Healthcare
 UNDP NPSA/SC Holders

Responsible publisher: Cigna International Health Services BV • Plantin en Moretuslei 299 • 2140 Antwerpen •
Belgium • RPR Antwerpen • VAT BE 0414 783 183

‘Cigna Healthcare’ refers to The Cigna Group and/or its subsidiaries and affiliates. Cigna International Health and
Cigna Global Health Benefits refer to these subsidiaries and affiliates. Products and services are provided by these
subsidiaries, affiliates and other contracted companies and not by The Cigna Group. ‘Cigna Healhcare’ is a registered
service mark.

This material is provided for informational purposes only. It is believed accurate as of the date of publication and is
subject to change. Such material should not be relied upon as legal, medical, or tax advice. As always, we
recommend that you consult with your independent legal, medical, and/or tax advisors. Products and services may
not be available in all jurisdictions and are expressly excluded where prohibited by applicable law.

@Copyright 2025 Cigna Healthcare

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Confidential, unpublished property of Cigna Healthcare. Do not duplicate or distribute. Use and distribution
limited solely to authorized personnel. © 2025 Cigna Healthcare