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    Retirees

    Tailored International Health Insurance for Retirees

    Whether you're planning a move or already living abroad, Cigna Healthcare offers tailored international health insurance for retirees. With flexible global coverage and access to a worldwide network of healthcare providers, you can choose a plan that fits your lifestyle and healthcare needs.
    Choose Cigna for:
    • Tailored health plans for your lifestyle
    • Support for eligible chronic conditions
    • Comprehensive cancer care, including preventative surgeries
    Get a quote, it takes only 2 minutes!
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    The benefits of international health insurance for retirees

    Global Care

    International health insurance for retirees can help provide access to healthcare and support long-term medical needs while living abroad.

    Tailored Cover

    Flexible plans offer access to a global healthcare network, chronic condition support, and optional health and wellbeing benefits.

    Local Support

    The right cover can help you navigate healthcare systems overseas and access treatment in your country of residence.

    What is overseas health insurance for retirees?

    International health insurance for retirees is long-term healthcare coverage designed for people who are retiring abroad or already living overseas. It can help cover eligible medical costs, provide access to healthcare providers in your country of residence, and support your healthcare needs as your circumstances evolve.

    Whether you're embarking on a new chapter in retirement or have already made the move overseas, access to healthcare remains an important consideration.

    Healthcare systems, eligibility requirements, and standards of care can vary significantly from one country to another. Health insurance for retirees living abroad can help you access treatment where you live, with flexible coverage options, a global healthcare network, and support designed for those building their lives abroad.

    To learn more about available cover options, explore our international health plans

    Who can benefit from international health insurance for retirees?

    International health insurance for retirees can be suitable for a wide range of people planning to live abroad during retirement, regardless of when they choose to retire. You may be in your 60s relocating to Australia to be closer to family, or in your 40s pursuing an early retirement in Thailand.

    If you're aged 60 or over and looking for healthcare cover tailored to your stage of life, you may also find our Seniors Health Insurance page helpful.

    Whatever your plans, having access to healthcare in your country of residence can be an important part of settling into life overseas.

    Cigna Healthcare offers flexible plans designed to support different lifestyles, destinations, and healthcare needs. Eligible members may also receive support for maintaining existing outpatient treatment for certain pre-existing conditions, helping provide continuity of care while living abroad.

    We can help you maintain any existing outpatient treatment for the following pre-existing conditions*:

    • Hypertension
    • Type 2 diabetes
    • Glaucoma
    • Arthritis
    • Joint or back pain
    • Osteoporosis/osteopenia
    greenLeaf

    What does international health insurance for retirees include?

    Below is a list of benefits of protecting yourself when retiring abroad.

    Cancer care

    Cover for cancer screening, treatment, and ongoing care.

    Chronic condition support

    Access to ongoing support, including case management for eligible chronic conditions.

    Pre-existing condition support

    Our Cigna Global Health Options plans can help you manage the following pre-existing conditions*: hypertension, type 2 diabetes, glaucoma, arthritis, joint or back pain and osteoporosis/osteopenia.

    Outpatient care

    Access to treatments such as physiotherapy, osteopathy, and chiropractic care.

    Health and wellbeing

    Optional cover for counselling, wellness services, and preventive care.

    Vision and dental

    Optional cover for routine eye care and dental treatment.

    What’s the difference between health insurance for retirees and travel insurance?

    The main difference between retirement insurance and travel insurance is that when you insure for retirement, you’re arranging for long-term medical cover, compared to the short-term nature of travel insurance.

    Is retirement health insurance necessary?

    Getting health insurance when living abroad in retirement will make life easier. In some countries, it’s a legal requirement and unavoidable. In others, it’s not a necessity but encouraged, keeping you financially secure and ensuring access to the best possible healthcare available.

    Comprehensive cover gives you peace of mind at a time where you might be giving your health more consideration. Our plans offer ongoing support for chronic conditions and include full coverage for cancer care. At Cigna Healthcare, we’re here to point you in the right direction wherever you choose to go.

    Choosing your international health insurance

    1
    Get Started

    Answer a few questions and enter your personal details to get started.
    2
    Choose your plan

    Compare plans and find a flexible package to suit your needs.
    3
    Get protected

    Receive your quote and get protected today.

    Build a plan to suit your needs and budget, choose between Silver, Gold or Platinum.

    Silver

    Annual maximum of $1,000,000 for inpatient and daypatient treatment.

    • Private room

    • Full cancer care up to $1,000,000

    • Medical Imaging and scans up to $10,000

    • Rehabilitation, including Physiotherapy, up to $5,000

    • A&E Room Treatment up to $500

    • No maternity cover

    • No obesity treatment

    • No infertility treatment

    Gold

    Annual maximum of $2,000,000 for inpatient and daypatient treatment.

    • Private room

    • Full cancer care up to $2,000,000

    • Medical Imaging and scans up to $30,000

    • Rehabilitation, including Physiotherapy up to $15,000

    • A&E Room Treatment up to $1,000

    • Routine Maternity up to $7,000

    • Obesity surgery up to $20,000

    • No infertility treatment

    Platinum

    Inpatient and daypatient treatment is Paid in Full.

    • Private room

    • Full cancer care

    • Medical Imaging and scans Paid in Full

    • Rehabilitation, including Physiotherapy Paid in Full

    • A&E Room Treatment up to $2,000

    • Routine Maternity up to $14,000

    • Inpatient Maternity up to $14,000

    • Obesity surgery up to $25,000

    • Infertility treatment up to $10,000
    Cigna Leaf

    Why choose Cigna Healthcare for retirement insurance?
    • Cigna Network -Our vast network has over 1.5 million hospitals, clinics and doctors.
    • Flexible plan -coverage to suit your lifestyle in your new home.
    • 24/7 support -A host of tools to look after your physical, mental and emotional health anytime, anywhere.
    • Digital tools - Our Cigna Wellbeing™ app gives you access to a range of features, including the Global Telehealth service to easily and quickly speak with a doctor or specialist.

    Get a quote today

    Frequently asked questions
    Does Cigna Healthcare retirement insurance cover already existing conditions?

    Our Cigna Global Health Options product (with our three tier plans: Silver, Gold and Platinum) can help you manage the following pre-existing conditions when you reach the age of 60 years old and beyond:

    • Hypertension
    • Type 2 Diabetes
    • Glaucoma
    • Arthritis
    • Joint or back pain
    • Osteoporosis/Osteopenia

    Important note: This specific benefit covering the maintenance of certain pre-existing conditions, including prescribed drugs and outpatient treatments, is not included on the Cigna Close Care SM Plan. 
    Does Cigna Healthcare cover COVID-19 and pandemics?

    Yes, we cover COVID-19 treatment, and other treatments resulting from pandemics, epidemics and infectious illness outbreaks.
    Does our retirement health insurance cover chronic illnesses?

    The chronic condition programme supports you with any ongoing chronic conditions. We’ll assign your case manager to help monitor your situation.

    *Important note: This specific benefit covering the maintenance of certain pre-existing conditions, including prescribed drugs and outpatient treatments, is not included on the Cigna Close Care SM Plan.

    © Cigna Healthcare. All rights reserved.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

    This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.

    Our Policies are underwritten by Cigna Global Insurance Company Limited, a private limited company under Guernsey Law, with registered address office at PO Box 155, Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 4ET, and company number 41925. Cigna Global Insurance Company Limited is authorised and regulated by the Guernsey Financial Services Commission for the conduct of insurance business in Guernsey.

    This communication is being issued and/or distributed by Cigna Insurance Management Services (DIFC) Limited which is regulated by the Dubai Financial Services Authority.

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