A leading E-commerce company in China was seeking a high-end medical insurance plan for its executives who travel intensively within China. They requested a plan that could cover the medical costs in China and also provide personalized services to the employees.
In addition, they recently recruited some executives who had high-end medical insurance in previous company. Those executives wanted the same benefits with the new company.
After communicating and understanding the needs of the client,Cigna & CMB recommended the Jade plan with wellness and dental benefits. The average premium per person was around RMB 12,000. The plan provided not only medical coverage in mainland China but also emergency coverage globally. In addition, the employees could also access Cigna & CMB CARE+ and Assist services.
The executives were pleased with the medical benefits which further improved their satisfaction and loyalty to the company.
A leading domestic internet company headquartered in South China is in the process of globalizing their operations. To speed up the research and development capabilities, the company was actively headhunting talents from the Silicon Valley in the United States. Right before signing the offer with the selected candidate, the negotiation stalled on the global medical insurance needs that the company was to provide that would be comparable to the benefits in the United States.
The company went to Cigna & CMB for advice and a quote. Upon permission by the employee, Cigna & CMB acquired the employee’s current health insurance plan with the assistance of representatives in the United States. Cigna & CMB was then able to provide the local plan in China to seamlessly match the plan that was offered in the United States. In addition, Cigna & CMB also contacted the General Practitioners and the clinics in the United States that the employee regularly visited to make sure that the membership card issued in China could have direct-billing arrangement with those doctors and hospitals. Finally, Cigna & CMB issued the insurance policy in Chinese and accepted payment in RMB, with the bilingual membership information, to meet the demands of the company and the employee.
The overseas recruitment was successful. The recruited employee and family were happy with the insurance policy and services. The HR was praised for ensuring a quality health care plan for the employee.
A Chinese domestic energy company with branches and investments globally had project managers who were assigned overseas for a period of time. The company wanted to provide adequate medical coverage including emergency assistance for those employees and their family members. In addition, there were senior management staff who traveled intensively across the globe for whom the company also wanted to provide appropriate medical coverage with 24/7 customer services.
According to the needs of the customer, Cigna & CMB provided the overseas employees (and their family), as well as the executives, with the globally covered Platinum-level medical plan with benefits reaching RMB 20 million per person per insurance period. And the employees could access our global network with more than one million doctors and hospitals. We also provided the customer with two optional Platinum plans- Globe including the United States, and Globe excluding the United States according to their travel destinations. According to the census of this specific group, for the Globe excluding the United States Platinum plan, the average premium per person was over RMB 30,000. While for the Globe including the United States Platinum plan, the average premium per person was over RMB 50,000. Compared with similar plan provided locally in the United States, Cigna & CMB Platinum plan offers better benefits with a 30% cost saving. We also provided local service support, RMB payment, and issued Fapiaos.
The insurance plans were provided to meet the different needs within the same company. Therefore, we not only provided adequate global medical coverage to the employees to improve their satisfaction to the company while reducing the business risk of the company, but also helped the company save the procurement costs.
A one-month-old baby was admitted to a private hospital due to a persistent cough. The baby's situation worsened and eventually went into cardiopulmonary arrest. The hospital that was treating the baby could no longer give the appropriate care. The child needed to be transferred to another hospital which had extensive experience in treatment of critically ill newborns. The parents called Cigna & CMB for help. At first, the parents weren't willing to leave Shanghai for treatment.
The Medical Manager at Cigna & CMB was in constant contact with the treating doctor and followed up with assistance in the evacuation arrangement after the evaluation and evacuation decisions had been made by the treating doctor. After the child was evacuated to intensive care of a well-known public children's hospital in Shanghai, Cigna & CMB arranged a direct billing service.
However, the baby's condition worsened. Pertussis and respiratory failure were diagnosed. Considering the critical illness and limited resources in Mainland China, Cigna & CMB followed the recommendation from the Chief Pediatrician of the hospital and contacted International SOS on the same day. This international emergency evacuation services after the child was assessed and deemed fit for travel by the treating doctor and received approval from the parents. The next day, the baby was successfully transferred by air ambulance to Singapore KK Women and Children's hospital which had been assessed by ISOS as having the best ICU for newborn baby in the Asia Pacific Region. Direct billing was also arranged at Singapore KK hospital.
The international evacuation was initiated and completed within 48 hours, and the baby fully recovered. The parents were extremely satisfied with their employer's selection of benefits provider. HR was not directly involved, but kept informed.
Note: The premiums in cases above are for reference only. Premiums may vary from client to client based on their different situations and shall be subject to the insurance contract.
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