46 Product reviews R
Aetna Global Benefits International Health Plan
Aetna Global Benefits (AGB) is the international segment of Aetna Inc, the US-based global diversified healthcare benefits company that has over 35 million customers worldwide. AGB includes Goodhealth Worldwide and has more than 400,000 members across the world.
PRODUCT
Aetna has revamped its core health benefits plans and now allows employers to select from one of four base plans and then to choose from a menu of up to 49 additional benefits. The four base International Health Plans are called Core, IHP Essential, IHP Plus and IHP Elite. This review focuses on the Elite product, which Aetna says is proving one of its most popular versions. IHP Elite includes the following main benefits (annual limits in GP£ shown):
Benefits denominated in Euros, GP Pounds or US Dollars
Maximum cover £1.6m per member per period of cover
Full refund for all main benefits including out- patient treatment
Accidental damage to teeth Outside area of cover A&E treatment. Full refund, including outpatient treatment up to £315
AIDS cover up to £12,500 per person Congenital anomalies cover has been extended to include conditions identified in child dependents up to 12 months old
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
Inpatient psychiatric treatment up to 30 days Parental accommodation with children up to age 18
INTERNATIONAL PMI
Rehabilitation up to 120 days per medical condition Vaccinations and inoculations up to £325
Additional options can involve different levels of dental benefit, as well as reimbursements for routine pregnancy, wellness options, vision care, infertility treatment and more. Many of the options can be flexed, and a choice of excesses is available too. IHP members have access to 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.
RATING PROS
✔ Can be flexed ✔ Useful and coherent wellness package
✔ CONS
✔ Choice of four plans with a wide choice of options
✘ iPMI can now offer a bewildering array of options
✘ Which can make price and benefits comparisons difficult
✘ Maximum financial limits overall and for some benefits
SELECT THIS PRODUCT
FOR...Firms with workers living and working outside the UK rating: 8 out of 10 HealthInsurance
www.hi-mag.com April 2011 ✘ LITERATURE
Information on the plans can be downloaded from the website.
WHAT THEY SAY
WHAT WE SAY "These new plans offer a wide choice of benefits than can be flexed so that each employee can have the benefits they want or need. We particularly like the wellness benefits and resources, which look to be more coherent than some."
Donna Otten, head of Aetna Global Benefits (AGB), said: “We recognise that employers need a comprehensive level of core health benefits and flexibility in plan design in order to meet the needs of their varied employee populations. We have redesigned our health plans to provide a richer level of base benefits to work with different budgets and included wellness features to help employees make positive changes that can lead to lasting healthy lifestyles. At the same time, we’ve provided the most flexible selection of add-ons and limits yet, so that employers can purchase the features they need to tailor benefits packages to cater for regionally diverse needs and make the most of their healthcare investments."
GROUPRISK
Andy Couchman FCII Cert PFS, technical editor, Health Insurance
CONTACT 01870 442 2676
A
WEBSITE
www.aetnaglobalbenefits.com
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