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Global Health Insurance for Employers
Global health insurance can help your employees access healthcare when they live or work in different countries.
Whether you're expanding into new markets, sending employees overseas or managing an established global workforce, we can help you find cover that works for your organisation and your people.
What is Global Health Insurance?
Global health insurance, also known as international health insurance, provides healthcare cover for employees who live or work internationally, helping them access eligible healthcare services across the countries and regions included in their plan.
For employers, it can provide a more consistent approach to healthcare across different locations. The right cover will depend on where your employees are based, their healthcare needs and the requirements of your organisation.
New to international health insurance? Our guide explains how it differs from domestic cover.
How can global health insurance support your employees?
Choosing the right international health cover starts with understanding your employees. Think about where they're based, the healthcare support they may need and how your organisation could change over time.
Cover that works internationally
Choose geographical cover based on where your employees live and work, with access to healthcare providers in the locations included in their plan.
Benefits that support your employees
Consider the healthcare services your employees may need, together with any limitations, exclusions and optional benefits.
Cover that can grow with your business
Consider how your needs could change as you hire internationally, enter new markets or support more employees overseas.
A positive employee experience
Look at how easily employees can understand their cover, access support and use their benefits when they need care.
How much does global health insurance cost?
There isn't a single cost for global health insurance. The price will depend on your organisation, the employees you want to cover and the level of healthcare cover you choose.
Understanding what affects the cost can help you decide what your organisation needs and where you may have flexibility when choosing your cover.
What can affect the cost?
- Number of employees you want to cover
- Employee locations and where they'll be based
- Geographical area included in the cover
- Healthcare benefits you choose
- Employee ages and demographics
- Optional benefits included in the plan
If you're a smaller business, our guide to the cost of global health insurance takes a closer look at the factors that can affect what you pay.
A quote based on your organisation's circumstances will give you a more relevant indication of cost than a general estimate.
Which Cigna solution fits your organisation?
The right international health insurance solution will depend on the size of your business and the needs of your employees. Explore the option designed for your organisation.
Support a growing international team with health cover designed for smaller businesses, whether you have employees working overseas or across multiple countries.
Explore international health solutions for larger organisations managing employees across different countries, markets and locations.
Why Cigna Healthcare?
With over 60 years of experience providing international health insurance for businesses, we help make global healthcare simpler for employers and their teams.
Modular and flexible plans
Options that make it easy to build a plan to suit your organisation’s needs and budget.
A dedicated client manager
One-on-one support that ensures your questions never go unanswered.
Easy monitoring of member claims
Digital tools that make it easy to manage costs and adapt to better support your people.
Global healthcare network
Helping employees access healthcare professionals and facilities internationally.
Ready to explore your options? Speak to an adviser for guidance or get a quote tailored to your business.
Discover our international health plans
Find healthcare cover and benefits designed to support your organisation and employees, wherever work takes them.
From core medical benefits to additional healthcare options, see how our plans can be shaped around the needs of your business and your people.
Resources for small businesses
Find useful information and practical guidance to help you make decisions for your business and your employees.
From employee wellbeing and benefits to attracting and retaining talent, access resources created with small businesses in mind.
FAQ
The terms are commonly used to describe health insurance designed for people living or working outside their home country. The exact cover will depend on the provider and plan, including the geographical area, benefits, limitations and exclusions.
This will depend on where your employees are based, how long they'll be working overseas and the healthcare arrangements available to them. International health insurance can provide an option for employees who need ongoing healthcare cover while living or working abroad.
International health insurance is designed to support employees living or working across different countries. Where employees can access eligible healthcare will depend on the geographical coverage included in their plan.
There isn't a single cost that applies to every organisation. The price can vary depending on factors such as the number of employees covered, their locations, geographical coverage, healthcare benefits and employee demographics.
For more detail, read our guide to understanding the cost of global health insurance for businesses.
Global health insurance and travel insurance are designed for different needs. The right type of cover will depend on factors such as why your employees are overseas, how long they'll be there and the healthcare support they need.
Learn more in our guide to international health insurance vs travel insurance..
You'll typically need information about your organisation and the employees you'd like to cover, including the size of your group, where employees are based and the type of healthcare cover you're looking for.
If you're not sure what cover you need, don't worry. Our advisers can talk you through your options and help you understand what could work for your organisation.
Explore
Understand how medical claims and reimbursements work abroad, and how employers can support employee well being and reduce uncertainty across international assignments.
Discover the employee benefits international talent values most and how growing businesses can strengthen recruitment, retention and employee wellbeing.
Download our practical HR guide to global health insurance plans—covering core coverage, mental health, emergency evacuation, maternity and fertility care, pricing mechanics, and plan suitability.
Whether you wish to speak to our sales team or get general help if you are already a Cigna Healthcare® member, we’ll get you to the right information.
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*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.
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