Let our consultants prepare and arrange a customised health insurance plan that best meets your needs.
An insured member was diagnosed with Ischemic heart disease at a Singapore private hospital. His cardiologist ordered an angiogram and angioplasty. The surgery was scheduled to be performed in two days’ time, at an estimated cost of SGD 35,000.
The Cigna clinical team reached out to the member and advised him to consider an expert second opinion. The member agreed, and received a second opinion a day before his surgery. The second opinion advised it was unnecessary to rush into the surgery as the member was symptom free with stable coronary artery disease and no complaints of angina. Urgent angioplasty is not recommended. The member should continue with his current medication, possibly with the addition of a nitro lingual spray. It is safe to postpone any procedure indefinitely until he develops symptoms of angina.
After thorough consideration, the member cancelled the procedure and consulted his primary care cardiologist in Mumbai. The cardiologist concurred with the second opinion since the nuclear stress test result was also negative. The member was satisfied with the result and sincerely appreciated Cigna’s support.
An insured member sought treatment at a Singapore private hospital and was diagnosed with deviated nasal septum, bilateral turbinate hypertrophy sinusitis and otitic barotrauma. She was advised to undergo multiple surgeries to treat her condition. The member was concerned that with multiple surgeries, her recovery time would be longer and it could impact her business travels.
Cigna case manager alerted member on the possibility of 'over-treatment' and proposed for an expert second opinion. When the second opinion supported the suspicion, Cigna advised the member to transfer to another hospital and made all of the logistical arrangement, even setting up the appointment with a recommended ENT specialist.
Both the new ENT specialist and the expert second opinion agreed that one of the proposed procedure was unnecessary. It would have contributed to a higher treatment cost, longer recovery and discomfort for the member.
An insured member experienced lower back pain for the last 7 years. An MRI at a Singapore private hospital confirmed that the member had lumber disc herniation and recommended for a lumber fusion procedure that could cost up to SGD60,000.
Cigna case manager provided all round support to the member, from arranging additional two spine experts to review and consult on the case to locating the most suitable healthcare provider abroad when the member decided on an alternative treatment that was not available locally. The two spine experts disagreed with the initial recommendation for surgery and instead advised member to try localized injections and physiotherapy first. Cigna then helped the member locate an in-network physiotherapist near the member’s home and arranged for the treatment bills to be forwarded directly to Cigna.
With regular physiotherapy and injections, the member’s lower back condition is now under controlled.