Thursday, October 6, 2016

Global Individual Private Medical Insurance

We are delighted to introduce a new and innovative product benefit: 60+ Care.
Effective 26 September 2016, senior Gold and Platinum plan customers who have selected the International Outpatient module will be provided with outpatient cover for five common pre-existing conditions.

60+ Care provides coverage for certain pre-existing conditions, allowing customers to maintain their condition and lead a healthier lifestyle. We believe that the new 60+ Care benefit, coupled with the fact that there are no age restrictions on our plans, makes Cigna Global Health Options a very competitive option for senior clients.
60+ Care benefit overview
The five conditions included in 60+ Care are:

Type 2 diabetes
Osteoporosis /Osteopenia
Arthritis, joint or back pain

The 60+ Care benefit is available to customers who:

Are aged 60 years or older (including those who are turning 60 years old within the policy year);
who choose a Gold or Platinum plan, and;
have selected the International Outpatient module.

Annual limits (up to the maximum shown per period of cover):

Gold: $1,000
Platinum: $2,000

Are there any other product changes?
Effective 26 September 2016, we are also introducing a reduction in the waiting period for orthodontic treatment from 24 months to 18 months in the International Vision and Dental module.

From 26 September 2016, all quotes will include the new 60+ Care benefit, the reduction in the orthodontic treatment waiting period, and updated documentation and terms and conditions will apply.

Where can I find more detail?
We have updated our policy documentation to reflect these product changes. Click here to see all updated documentation.

If you have any other questions, as always, please feel free to contact us!

Sunday, October 2, 2016

Travelling Solo?

Tips for Solo Travellers 

Why miss out on the trip of a lifetime just because you don't have anyone to go with? Solo travel is on the rise – a record 24% of people traveled alone on their most recent overseas vacation1. From gap year students to retirees, people in all stages of life are taking advantage of the benefits of solo travel. With the right planning, a solo trip could be your next great adventure! 

Tell others where you'll be
Before you leave on your trip, make copies of your itinerary to leave with friends or family back home. Even if all your plans aren't set in stone, you can leave important information like flight details and any hotel reservations. Check in throughout your trip as well to let those back home know you're okay. 

Tap into your network
You never know whose sister, cousin, or college roommate is living in an area you'll be traveling to. Before you leave, put a call out to your friends to see if they have any local connections where you're traveling. You just might find someone willing to show you around their home town. 

Pack light
Don't overload yourself with luggage to carry during your trip. Pack light so you can manage to carry everything by yourself. With the right planning, one carry-on and a suitcase or backpack should suffice. 

Arrive during the day
It can be hard to get your bearings in a new city. Arrive during the day so you're not trying to figure out an unfamiliar city at night. 

Mingle with others
Be open to chatting with new people. You meet a lot of new and interesting people when traveling. Starting conversations can lead to new friends around the world. 

Don't be afraid to dine alone
Dining alone can be intimidating, but you'll miss out on some delicious local foods if you just stick with grab and go options. Bring a book to read while you eat or simply sit and enjoy people watching. Take the plunge and try eating out by yourself, your taste buds will thank you! 

Trust your instincts
When traveling, particularly alone, always trust your instincts. Whether saying no to a dinner invite or avoiding a particular part of town – if it doesn't feel right, just remove yourself from the situation. Be aware of your surroundings and use your intuition. 

Purchase Travel Insurance
For the unexpected travel mishaps that can occur, be sure to pack a travel insurance plan from Bridges International Insurance Services.A travel insurance plan with 24/7 assistance may help to take some of that stress off your mind so you can concentrate on enjoying your vacation. Plus a travel insurance plan can cover you for things like travel delays due to inclement weather, trip cancellation/interruption and medical expenses so you can book your vacation with confidence. To find out more simply ask your insurance broker, call Bridges International at 888.298.652or visit