Cigna Global
Cigna Global Health Options provides robust international health insurance tailored specifically for globally mobile individuals. With an extensive global network of over 2.2 million partnerships including 300,000+ mental health providers and 150+ in-house medical professionals, Cigna offers comprehensive coverage options designed to meet the diverse needs of expatriates worldwide.
Coverage Tiers & Benefits
Core Components
| Coverage | Silver | Gold | Platinum |
|---|---|---|---|
| Maximum Annual Medical Coverage | $1,000,000 / £800,000 / €650,000 | $2,000,000 / £1,600,000 / €1,300,000 | Paid in full |
| Inpatient Coverage (hospital charges, private room, nursing, operating theatre, prescribed medicines, surgeons and specialists fees, intensive care) | Paid in full | Paid in full | Paid in full |
| Emergency Inpatient Dental Treatment | Paid in full | Paid in full | Paid in full |
| Emergency Room Coverage | $500 / £370 / €335 | $1,000 / £740 / €665 | $2,000 / £1,600 / €1,300 |
| Maternity Coverage – Routine | Not covered | Up to $7,000 / £5,500 / €4,500 | Up to $14,000 / £11,000 / €9,000 |
| Maternity Coverage – Complications | Not covered | $14,000 / £11,000 / €9,000 | $28,000 / £22,000 / €18,000 |
Note: 12-month waiting period applies for maternity (24 months for Hong Kong and Singapore)
Optional Components
| Coverage | Silver | Gold | Platinum |
|---|---|---|---|
| Outpatient Coverage (consultations, prescribed drugs, diagnostic tests, rehabilitation) | $15,000 / £12,000 / €9,650 | $35,000 / £25,900 / €23,275 | Paid in full |
| Emergency & Crisis Evacuations | Medical evacuation, repatriation, compassionate visits, and crisis response services included with International Evacuation module | Same as Silver | Same as Silver |
| Routine Physical Examinations | $325 / £250 / €220 | $650 / £500 / €440 | $2,000 / £1,600 / €1,300 |
| Preventive Screening Examinations (cancer, diabetes, bone density) | Limits similar to routine examinations | Limits similar to routine examinations | Limits similar to routine examinations |
| Telehealth Consultations | Unlimited video and phone consultations | Unlimited video and phone consultations | Unlimited video and phone consultations |
| Extreme Sports | No specific coverage mentioned | No specific coverage mentioned | No specific coverage mentioned |
| Dental Coverage | $1,250 / £930 / €830 | $2,500 / £1,850 / €1,650 | $5,500 / £4,300 / €3,500 |
| Vision Coverage | Eye tests and expenses for lenses, frames, and prescription sunglasses | Same as Silver | Same as Silver |
| Mental Support Coverage | $5,000 / £3,700 / €3,325 (up to 30 days) | $10,000 / £7,400 / €6,650 (up to 60 days) | Paid in full (up to 90 days) |
| Vaccinations | $250 / £185 / €165 | Paid in full | Paid in full |
Unique and Special Plan Features
24/7 Customer Service: Yes, multilingual support available via phone, live chat, email, and callback.
Prepaid payment card provided by the insurer: No mention in materials.
Mobile App: Yes, the Cigna Wellbeing App provides telehealth access, health assessments, condition management, biometric tracking, and health resources.
Medical Case Management Service: Yes, includes dedicated support for complex conditions, chronic condition management, and second medical opinions.
Global network of over 2.2 million healthcare partnerships
Travel Information Portal with country profiles and health guides
Wellness coaching for nutrition, fitness, and stress management
Crisis Assistance Plus™ program for travel emergencies
The Plan Rules
Minimum and Maximum Acceptance Age: Minimum 18 years old to purchase; no maximum age mentioned.
Plan is for individuals who live away from their home country for how long: Designed specifically for expatriates with no minimum requirement stated.
Geographic Zones of Coverage: Two options: Worldwide excluding USA or Worldwide including USA.
Coverage in my home country: Limited to 180 days per period of cover when temporarily visiting.
Minimum duration of policy: Annual contract (one year).
Plan cancellation policy: 14-day free look period with full refund if no claims made; after this, 14 days’ written notice required.
Can they exclude my new health conditions at renewal time? Not explicitly stated, though policy modifications at renewal may be subject to medical underwriting and new restrictions.
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t:
- Prior authorization required for: All inpatient and daypatient treatments; certain outpatient treatments like genetic cancer tests and infertility treatments
- Not required for: Most outpatient treatments
Failure to obtain required prior authorization results in a 20% reduction in payment.
Deductible and Cost-Share Options:
- Deductible options (amount you pay first): \$0 to \$10,000
- Cost share options (percentage you pay): 0%, 10%, 20%, or 30%
- Out-of-pocket maximum options: \$2,000 or \$5,000
Pros & Cons
Insurer Details
Plan Name: Cigna Global Health Options
Who is the insurer? Cigna Global Insurance Company Limited
Insurer’s Country: Guernsey (Channel Islands)
Website: https://www.cignaglobal.com/
