Aetna Global Benefits International Health Plan
Aetna Global Benefits (AGB) has updated its International Health Plan and employers can now choose from one of four base plans and then add up to 49 additional benefits. The four plans are Core, IHP Essential, IHP Plus and IHP Elite. This review focuses on the Elite product, which includes (annual limits in GB£ shown):
• Denominated in Euros, GB Pounds or US Dollars.
• Max cover £1.6m per member per cover period.
• Full refund for all main benefits including out-patient treatment.
• Accidental damage to teeth.
• Outside area of cover A&E treatment. Full refund, including out-patient treatment up to £315.
• AIDS cover up to £12,500 per person.
• Congenital anomalies cover extended to include conditions identified in child dependents up to 12 months.
• Chronic conditions up to £18,750.
• Evacuation costs.
• Home nursing up to 28 weeks.
• Hospice care up to a lifetime £30,000.
• Injury or illness as an innocent bystander, up to £30,000 per incident.
• In-patient psychiatric treatment up to 30 days.
• Parental accommodation with children to age 18.
• Rehabilitation up to 120 days per condition.
• Vaccinations and inoculations up to £325.
Among the additional options are:
• Dental 1. Routine dental treatment (with various sub-options). Waiting periods have been improved for all dental and pregnancy cover (and can be removed for schemes with ten or more employees).
• Dental 2. Major restorative dental treatment.
• Dental 3. Orthodontic dental treatment.
• Direct settlement network.
• Extended evacuation.
• China private room restriction (China only).
• Hong Kong semi-private room restriction.
• Traditional Chinese medicine.
• Infertility treatment (min ten employees).
• Routine pregnancy. Max £3,000.
• Vision care.
• Wellness Option 1. Max £160.
• Wellness Option 2. Max £325.
• Wellness Option 3. Max £500.
• USA elective treatment.
In addition, many of the options can be flexed, and a choice of excesses is available too. IHP members can access Aetna’s wellness resources and services, including the online AGB wellness centre, cancer outreach programme and a health risk assessment tool available in 12 languages.
Plus points: Choice of four plans with a wide choice of options which can also be flexed; Strong brand;
Not so plus points: Some financial limits; IPMI can be complex, which makes comparison difficult.
Website: http://www.aetnaglobalbenefits.com.
Rating (max 10). Innovation: 7. Overall: 8. Gold.