The term NGO (non-governmental organisations) covers a range of organisations operating internationally that are different in nature to both government organisations and commercial businesses. Recognising this, Cigna and Vanbreda have developed an international private medical insurance (iPMI) package to meet the particular needs of small to medium NGOs.
The plan can cover up to 200 lives and offers:
- Three core plans – Phoenix, Orion and Pegasus. These offer progressively higher levels of cover, with Pegasus having the highest annual limit, at €3m, and greatest benefits. The maximum limits (per insured and per insurance year) for Phoenix and Orion are €1m and €1.5m respectively. Full medical evacuation is included.
- Five deductibles – from £0 to £1,000.
- Five geographic rating areas (Africa; Asia [with some exceptions] and the Middle East; Central and South America/Caribbean/Canada/Europe; Worldwide (excluding USA), and Worldwide.
Additional covers. These are Dental Care (Basic or Comprehensive, with €3,000 and €5,000 annual limits respectively); Life Cover (up to €500,000); Accidental Death and Invalidity (€50,000 – €500,000); Temporary Incapacity (up to €10,000 a month or 80% of gross monthly salary if less); Permanent Disability; Travel Insurance, and Security evacuation including kidnap and ransom services.
The plan aims to offer NGOs greater flexibility with regard to the region of cover and can also cover nationals working with the NGO.
What They Say
NGO sales director at Vanbreda International, Angela Rooney said: “The plan is specially designed to cater for small to medium NGOs with a particular focus on managing the risk in remote and crisis regions. CoverN`GO is a one-stop shop approach allowing consistency for all staff members including short/long-term employees plus volunteers. Provision has also been made to include a certain percentage of local nationals and the plan has a particular focus on cost management. The five regions of cover have been priced in line with our local hospital network, with Africa being the lower cost region.”
What We Say
There are estimated to be 40,000 NGOs operating nationally and many more internationally, so this is a large and important sector.
Cigna says it aims to be the leading iPMI provider for NGOs and this plan meets the need of the ‘SME’ end of that spectrum. Traditionally, many NGOs operate in difficult or dangerous parts of the world and situations, so their needs can be different to most conventional businesses, with all the greater underwriting issues that involves.
The plan itself offers good cover choices and the important elements that an NGO will need. We particularly like the various options that are available that go beyond just iPMI, such as life and income protection covers. That is an area that can easily be overlooked, but can be just as important to any organisation or individual operating internationally.