FAQs On MIP


The AFICS-T is pleased to provide the following "questions and answers (Q&A)" for general information and better understanding of members on After Service Health Insurance (ASHI). It should be noted that there are two medical insurance plans, namely, the Medical Insurance Plan (MIP) and the UN Worldwide Plan (WWP), which are applicable to most of retirees who are residing in Thailand. For the MIP and the WWP, the plans are administered by the third-party administrator, Cigna. We are aware that some retirees who are living in Thailand are covered under different medical insurance plans other than the above two plans. Given the complexity and nature of coverage under other medical insurance plans besides the above two plans, AFICS-T is not in a position to formulate Q&A for all of them. Thus, the following Q&A would be focused on the MIP. If there are any doubts or inconsistencies that may arise from the Q&A, the provisions in the Secretariat Administrative Instruction
ST/AI/2015/3 and
ST/IC/2015/8 shall apply.
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1. Who is eligible for ASHI?
ASHI is available for former locally recruited staff members and for their eligi.....
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2. What are the eligible conditions?
Eligibility for enrolment in ASHI is extended to former staff members who entere.....
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3. What medical coverage can I have when I retire?
The benefits available under the after-service arrangements are the same as thos.....
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4. What are the recognized expenses?
The expenses for services claimed are recognized when they are found to be rea.....
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5. What is considered as unreasonable expenses?
Reasonable and customary expenses are defined in the MIP ST/AI as the .....
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6. How do I know whether an invoice I submit will be reimbursed or not?
If the medical expenses are within the MIP scope and you have submitted all .....
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7. How long does it take to be reimbursed?
Cigna will proceed with the reimbursement of your claims within 3 working da.....
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8. In what currency will my medical expenses be reimbursed?
The currency of reimbursement will be the same as that in which the subscrib.....
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9. What can I do if the medication I need is not available in my country? How can I be reimbursed in this case?
If exceptionally, medically prescribed medication has to be purchased i.....
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10. Can I buy medications from the drug store and then keep the medical prescription to claim back from Cigna?
A medical prescription is compulsory to claim refund of all drug expens.....
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11. I have a chronic illness and need to take medication, for which I have a medical prescription - how do I go about claiming my medication expenses?
You can claim the reimbursement of medicine expenses for your chronic .....
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12. Do all invoices have to be paid in advance by me?
You may benefit from direct billing services for both hospitalization .....
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13. If I need a surgery permissible under the coverage and require hospitalization, to what extent does the MIP cover the surgery?
The physician's fees for an urgent surgery requiring hospitalization are reimbur.....
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14. Do I have to advance funds in case of hospitalization?
You are not required to advance funds for hospitalizations within the .....
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15. Can I upgrade from a semi-private room to a private room?
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16. Which hospitals and doctors can I go to for treatment? Can I choose another hospital than the one(s) listed under Medical Network?
You are not obliged to go to the Cigna Medical Network hospitals or physicians. .....
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17. Do all hospitals accept the Cigna Direct Settlement Card?
Only hospitals within the Cigna Medical Network will definitely accept the Ci.....
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18. In case of a medical emergency (sudden illness or accident) outside country of residence, who should I contact?
In the event of an emergency hospitalization outside country of residence, yo.....
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19. Are travel costs related to hospitalization or medical treatment reimbursed under the MIP?
Expenses for, or in connection with travel or transportation whether by ambul.....
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20. How is my cost of after-service participation calculated?
For former staff members, the calculation of the cost is based on the applicatio.....
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21. What is the method of payment of contribution?
Those who enrol in after-service health insurance will be required by adminis.....
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22. When does after-service coverage cease?
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23. Who is responsible for reimbursement of a claim, hospitalization or other treatment?
Cigna is a third party administrator which is an outside entity engaged by the U.....
