Welcome to
Aetna International

Find out more about how we can help

We're so glad to have you as a member

We believe every Aetna International member deserves more than just health insurance. You deserve a health and
well-being partner with the knowledge, innovation, thought leadership and resources to help you live a healthier, more fulfilling life.

The information on this page will help you understand and make the most of your Aetna International health and well-being benefits.
So, go ahead and explore … and start living a healthier life today!

Explore Health Hub - your
online gateway to better health

As an Aetna International member, you have access to Health Hub
- a secure member website, personalised just for you.

From your member website you can:

View your Member ID Card

Access your plan documents,
including forms

Search for medical network
providers

Find health and wellness resources

Submit and track your claims

Access exclusive members offers

Making the most of the Health Hub

How to make or track a claim

When and how to request treatment
preauthorisation

Answering your questions about
Health Hub

Do you have direct billing
on your plan?

If your plan has direct billing, accessing care is easy. Just visit one of our network providers, show them your digital Member ID card and government-issued proof of identification and you’ll receive cashless treatment.

For more information, view our digital Member ID card guide.

You can also access your digital Member ID card on our International Mobile Assistant app.

When do you need
preauthorisation?

Certain treatments and services require our preauthorisation. Get in touch with us prior to receiving these treatments and services so we can let you know what’s covered by your plan:

Medical evacuations
Inpatient or daycare admissions
Psychiatric treatments
Prescriptions for more than three months’ supply of drugs for a chronic medical condition
Single treatments or services that cost more than 500 USD or the equivalent

Explore health and well-being resources

Your health care plan does so much more than help you find and pay for care. We've built physical, mental and emotional well-being support right into all of our plans. It's called Aetna Well-being and it's the fastest, easiest, more effective way to provide you with the health and well-being tools you need to easily manage your health and well-being.

All you have to do is activate your Health Hub account

Register for Health Hub

Introducing Aetna Well-being

Aetna Well-beingoffers a broad range of programs and resources to help you live your healthiest life. Our care program includes four easy-to-navigate categories:

Aetna Mind: Promoting emotional well-being with mindfulness training, confidential therapy including counselling led by clinical professionals, and a range of self-help tools and resources. Our Resource Selector Tool lets you answer a few questions and be guided to the resources that best fit your needs. It’s easy, anonymous, confidential and has no impact on your policy.

Aetna Body: Helping maintain physical health with access to professional lifestyle support including discounted access to gyms around the world, and so much more.

Living and working abroad: Support and resources-including 24/7 global security monitoring, alerts, and briefings. Plus, referrals to local professionals and services for support with dependent care, home maintenance, and more-to help you make informed decisions while adjusting to a new work and living environment.

Special member offers: Access to special offers and discounts on leading well-being apps and services to help you stay on top of your emotional and physical health.

For more information on Aetna Well-being, check out these resources:

Introducing Aetna Well-being (Video)
Explore Aetna Well-being
Special offers on leading well-being apps (Please note that some services may not be available to you depending on your plan eligibility and the country you're residing in.)

Know your health care terminology

Insurance terms can sometimes be daunting. Here are a few you’ll want to know when looking at your plan documents, seeking care or reviewing bills.

Outpatient coinsurance

The percentage of covered medical expenses you’re responsible for paying. For example, on a plan with a 20 percent coinsurance, you pay 20 percent of the eligible medical bill and we pay 80 percent.

Excess

The amount you pay for covered medical services before your plan will begin to pay. For example, let’s say your plan has a $200 excess. If a covered medical expense is $500, you pay $200 and we pay the remaining $300. Once your excess has been met within a calendar year, we’ll pay all other covered expenses (excluding coinsurance and/or copays) incurred in that year.

Copayment (or "copay")

The fixed dollar amount you pay each time a medical service is accessed.

Letter of Guarantee (LOG)/Guarantee of Payment (GOP)

These preauthorization documents are like a referral. They authorize treatment and let doctors know your plan will pay for their services. These are sometimes needed before you see a doctor (except in cases of emergency).

Cashless/direct billing/direct settlement

An agreement we make with hospitals and clinics to have them bill us directly for covered medical services, lowering your out-of-pocket costs at the time of service. We may even be able to negotiate a one-time direct settlement arrangement when you need to see a doctor outside of our network.

Explanation of benefits (EOB)

This document details:

Recent charges for medical services

Which services were covered by your plan

Who is responsible to pay

Other helpful member resources

Welcome toAetna International

Explore Health Hub - youronline gateway to better health

Sign up to Health Hub now

Welcome to
Aetna International

Explore Health Hub - your
online gateway to better health

Sign up to
Health Hub now