Cigna International Insurance
Cigna Global is a prestigious global insurance provider serving overseas individuals and families residing in more than 200 countries around the world. Their mission is to assist and improve the health, well-being and sense of security of the people they serve.
Cigna International Health Plans are comprehensive, flexible and designed to meet all your needs. These plans are customizable, allowing you to choose and pay only for the coverage you need.
Cigna International Health Plan offers three levels of coverage: Cigna Silver, Cigna Gold and Cigna Platinum. Each plan provides coverage for inpatient and ambulatory patient care, with the option to add outpatient care and other elective modules. You can also choose the coverage you want.
With Cigna Global’s health benefits, you’ll have access to the company’s vast international healthcare network of trusted hospitals, doctors and other healthcare professionals. Cigna’s network is especially useful if the local healthcare system in your country is too expensive or known for being underserved. Cigna Global’s Client Relations Team will help you find the best doctors and medical facilities to provide you with the healthcare you need and deserve.
All plans contain standard benefits
Deductible option
Members can choose deductibles and cost-sharing options for their plan to adjust the cost of their premiums.
Hospitalization
Necessary hospital stays and treatments, such as cancer treatment, are paid in full.
Global Health Assistance
Cigna provides comprehensive medical support to its members.
Coverage area
Members can choose between two coverage areas: Worldwide or Worldwide, excluding the U.S.
mental health
Treatment of mental health conditions, disorders and addictions.
Online Customer Area
Access a secure online client area to process your documents and claims.
How to develop your Cigna International plan
It’s easy to develop a comprehensive, tailored plan with Cigna Global.
First, applicants choose from a Silver, Gold, or Platinum program level. The Cigna Silver plan has a benefit limit of $1,000,000, the Gold plan has a benefit limit of $2,000,000 and the Platinum has an unlimited benefit limit.
They then choose their coverage location, worldwide coverage including the U.S. or coverage excluding the U.S. Members excluding the U.S. can still receive limited emergency hospital benefits if an accident occurs while they are briefly visiting the country.
Next, they select any optional add-on modules they would like to add to their plan, such as International Clinic, Health and Wellbeing and Vision and Dentistry. Each module has deductible options and maximum benefits.
Applicants can tailor their premiums to fit their budget through a variety of deductible and coinsurance options. Choosing a higher deductible and coinsurance option will lower the premium amount, but the out-of-pocket costs will be higher until the deductible and/or coinsurance are met.
Finally, applicants choose whether they would like to pay premiums monthly, quarterly or annually. Cigna accepts payment by credit card and debit card, or bank wire if paid annually. Customers who pay quarterly or annually have lower premiums than customers who pay monthly.
Cigna Global Health Insurance Plan Rates
Cigna Global determines its premium rates based on a number of factors, including the plan level you choose. Cigna offers three main plan levels called Silver, Gold, and Platinum, with each level increasing in cost and coverage. In addition to tier selection, the cost of a plan depends on the coverage you choose and your age.
You can manage your premium rates by choosing deductibles or cost-sharing options, which will lower your monthly or annual costs. Deductibles and cost-sharing options are recommended for individuals and families looking to save more money each month. But be aware that while your premiums will be lower, your out-of-pocket costs will be higher.
Finally, if you choose to add outpatient care and other optional modules to make your Cigna International Health Plan more comprehensive, this will increase your premiums and the cost of covered care.
Eligibility for Cigna International Health Insurance
The Cigna Global Health Benefits program is available to people of all nationalities living abroad.
Regardless of your nationality, we encourage you to apply as long as you meet the minimum age requirement of 18 to purchase a Cigna International Health Plan.
In some cases, states may restrict or limit coverage based on local healthcare regulations. If you encounter this issue, we recommend suitable alternatives.
Cigna Global Health Care Geographical Restrictions
Country Restrictions – Cigna does not accept addresses located in Cuba, Democratic Republic of the Congo, Iran, Israel, Libya, Sudan, or Syria.
Destination Restrictions – Cigna does not cover individuals residing in Afghanistan, Cuba, Democratic Republic of the Congo, Guernsey, Hong Kong, Iran, Iraq, Lebanon, North Korea, Singapore, Sudan or Syria.
US Restrictions to US Dependent Countries – Cigna cannot cover US citizens residing in Guam, Puerto Rico, US Virgin Islands, Northern Mariana Islands, or any of the US Minor Outlying Islands.
Cigna expatriate insurance is essential for those living and working abroad. This insurance policy is designed to provide you and your family with the best healthcare in your country.
