Questions & answers · Travel insurance
What events does Cigna Health and Life Insurance Company's filed travel insurance policy say it pays for?
AI-drafted from filed documents · reviewed: pendingwhether a specific event is coveredCigna Health and Life Insurance Company
Cigna Health and Life Insurance Company's filed travel insurance policy in Alabama (AL) and Kentucky (KY) states that charges for Medically Necessary short-term rehabilitation services, including physical, speech, occupational, cognitive, osteopathic manipulative, cardiac, and pulmonary rehabilitation therapy, are covered when provided in the most medically appropriate setting following a covered acute medical emergency [1] [2]. Charges for Medically Necessary diagnostic and treatment services utilized in an office setting by a chiropractic Physician are also covered following a covered acute medical emergency [1] [2]. Chiropractic treatment includes the conservative management of acute neuromusculoskeletal conditions through manipulation and ancillary physiological treatment rendered to specific joints to restore motion, reduce pain, and improve function [1] [2]. Charges made for internal and external prosthetic or medical appliances that provide permanent or temporary functional support for nonfunctional body parts are covered [1] [2]. Repair, maintenance, or replacement of a covered appliance is also covered in the event of an emergency [1] [2]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Cigna Health and Life Insurance Company · AL · SERFF CCGH-132253148 · form HC-COV878 · p. 2
prevent further dental pain, these charges would be covered up to the amount shown in The Schedule.] Internal [and External] Prosthetic/Medical Appliances Charges made for internal [and external] prosthetic/medical appliances that provide permanent or temporary internal [and external] functional supports for nonfunctional body parts are covered. Repair, maintenance or replacement of a covered appliance is also covered in the event of an emergency. [Short-Term Rehabilitative Therapy and Chiropractic Care Services Following a covered acute medical emergency, charges for Medically Necessary short-term rehabilitation services including physical, speech, occupational, cognitive, osteopathic manipulative, cardiac rehabilitation and pulmonary rehabilitation therapy, are covered when provided in the most medically appropriate setting. Also included, following a covered acute medical emergency, are charges made for Medically Necessary diagnostic and treatment services utilized in an office setting by a chiropractic Physician. Chiropractic treatment includes the conservative management of acute neuromusculoskeletal conditions through manipulation and ancillary physiological treatment rendered to specific joints to restore motion, reduce pain, and improve function. … (excerpt — the filed text continues)
[2] Cigna Health and Life Insurance Company · KY · SERFF CCGH-132304492 · form HC-KY-MBA-2020 · p. 28
prevent further dental pain, these charges would be covered up to the amount shown in The Schedule.] Internal [and External] Prosthetic/Medical Appliances Charges made for internal [and external] prosthetic/medical appliances that provide permanent or temporary internal [and external] functional supports for nonfunctional body parts are covered. Repair, maintenance or replacement of a covered appliance is also covered in the event of an emergency. [Short-Term Rehabilitative Therapy and Chiropractic Care Services Following a covered acute medical emergency, charges for Medically Necessary short-term rehabilitation services including physical, speech, occupational, cognitive, osteopathic manipulative, cardiac rehabilitation and pulmonary rehabilitation therapy, are covered when provided in the most medically appropriate setting. Also included, following a covered acute medical emergency, are charges made for Medically Necessary diagnostic and treatment services utilized in an office setting by a chiropractic Physician. Chiropractic treatment includes the conservative management of acute neuromusculoskeletal conditions through manipulation and ancillary physiological treatment rendered to specific joints to restore motion, reduce pain, and improve function. … (excerpt — the filed text continues)
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q4680a164. Spotted an error? Tell us.