Frequently asked questions
Find the answers to the most frequently asked questions about our products and services.
Questions
Can I get treatment anywhere in the world?
Yes, with a Health Insurance Instantly health plan, you can receive medical treatment abroad with the same quality and care as in your home country.
How do I access treatment?
Contact our customer service team when you require treatment. We can assist you in organizing your treatment plan and direct you towards the right path, saving you time and the hassle of finding a hospital, clinic, or doctor yourself.
There may be instances where it is not practical or possible for you to contact us for prior approval. In such cases, you must reach us within 48 hours of seeking treatment so that we can confirm if the treatment is covered and arrange for payment.
How do I file a claim?
If you've paid for your treatment yourself, you can submit your invoice and claim form to us using one of the following methods.
With Cigna insurance
Online Customer Area: www.cignaglobal.com/customer-area
E-mail: cignaglobal_customer.care@cigna.com
Please include your policy number in all documentation.
We aim to process your claim within 5 working days of receiving all necessary documentation.
Am I covered for outpatient treatment?
With the Outpatient Treatment option, you'll have more extensive coverage for outpatient care and medical emergencies that don't require hospitalisation. This includes services such as physical therapy, chiropractic care, treatment from a specialist, or coverage for prescription medication.
Your health insurance covers selected outpatient costs such as fees for treatment rooms, surgery and anesthesia costs, advanced imaging, cancer, and mental health.
What is my Customer Area?
As a Cigna-insured customer, you have access to a wealth of information through your online Customer Area. Here, you can efficiently manage your policy, view documents, monitor and utilize your insurance, and search for facilities and professionals.
Do I have to pay for treatment in advance?
If possible, we pay your hospital, clinic, or doctor directly. If you have selected a deductible, you will need to pay this amount yourself. In certain cases, you may need to make the payment yourself - but don't worry, we will ensure that you receive reimbursement within 5 business days.
What currency will my claim be reimbursed in, and how long will it take?
You have the freedom to choose from over 135 currencies when it comes to receiving a refund.
Our aim is to refund you within 5 business days after receiving all the necessary documentation.
How do deductibles work?
If you opt for a deductible of €250, you'll be responsible for paying the first €250 of any covered claims during each coverage period. This payment will go directly to your hospital, clinic, or doctor. For instance, if your treatment costs €500, you'll pay €250, and we'll cover the remaining €250 of the covered expenses.
Choosing a deductible means you only have to pay it once during a coverage period, no matter how many claims you make.
How do I contact Cigna?
Contact Cigna through the following channels:
Email: cignaglobal_customer.care@cigna.com
24/7 phone: +44 (0) 1475 788182
Will pre-existing conditions be covered?
If you have sought advice or experienced any symptoms prior to the start of your coverage - regardless of whether you have been diagnosed or not - you may be eligible for special exceptions to your coverage. That's why it's crucial to fill out the medical questionnaire as accurately as possible when applying.
Am I covered for dental treatment?
Our health insurance covers essential benefits like emergency dental coverage in case of an accident that requires treatment at a hospital.
For more comprehensive coverage, choose our International Eye and Dental Coverage and gain access to a wide range of preventative, routine, major, and orthodontic treatments.
How do I find the nearest hospital, clinic or doctor?
In your Customer Area, you can easily search for hospitals, clinics, and doctors near you. Simply enter your zip code, indicate your desired travel distance, and discover the experts in your vicinity.
Alternatively, you can always reach out to our customer service team for assistance.
Who do I contact regarding my payment?
If you have any questions regarding your payment, we are here to assist you.
You can reach us by calling 31 63 83 03 or emailing us at info@healthinsuranceinstantly.com
Alternatively, you can contact our 24/7 international customer service team at cignaglobal_customer.care@cigna.com or by calling +44 (0) 1475 788182. We are always happy to help!
Who will pay for my transportation to a hospital, clinic or doctor abroad?
In case of an accident, you'll be covered for transportation from the accident scene to the hospital, between hospitals, or from home to the hospital.
If you opt for surgery abroad, you'll be responsible for covering transport costs to the facility.