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    Small business

    Health insurance for 2-149 Employees

    International health insurance for small businesses

    Flexible international group health cover for small businesses with 2–149 employees and globally based teams

    Global access to care • 24/7 multilingual support

    Speak to an adviserGet a quote
    Cigna Leaf

    Managing international health cover for small businesses

    As small businesses grow internationally, managing corporate health cover can quickly become more complex. Employees may be based in different countries, working remotely, or travelling for work — and smaller organisations often need solutions that ease administrative strain.

    If you’re unsure what cover is right for your business, you’re not alone.

    Many small businesses and growing teams are navigating international health insurance for the first time and need clarity to understand their options.

    Health insurance designed for internationally based employees

    Our small business international health insurance is designed for employers with 2–149 employees, including small businesses and teams with staff working overseas, on assignment, or hired internationally.

    If you’d like guidance in international health insurance, from an experienced team, then speak to an adviser to explore your options.

     
    Cigna Leaf

    What to consider when choosing international health insurance

    To help you select affordable cover that best fits your workforce, consider these practical checks when comparing business health insurance providers.

    • Location
      Confirm how cover applies across the countries where employees live and work.
    • Care access
      Check how employees find providers and get support in each location.
    • Claims and billing process
      Understand what is direct-billed, what needs a claim, and what information is required.
    • Out of hours support
      Consider the availability of assistance when employees are travelling or in different time zones.
    • Key information for an accurate quote
      Headcount, employee locations, and the level of cover you want to consider.

    Small business firms and their teams can access expert guidance to help choose the right international health cover.


    Speak to an adviser
    blueLeaf

    Health cover and support for your employees

    Cigna Healthcare will support your employees with access to care, day‑to‑day help, and practical services wherever they’re based. Benefits include:

    Global access to care

    Access a global network of hospitals and healthcare professionals, so employees can find care locally or abroad.

    24/7 multilingual support

    Round‑the‑clock support for medical questions, claims queries, and urgent situations — in multiple languages.

    Virtual doctor appointments

    Virtual consultations help employees get medical advice quickly, wherever they are — ideal for dispersed teams and busy schedules.

    Wellbeing and mental health support

    Employee wellbeing support, including confidential resources to help employees manage stress and maintain resilience.

    Direct billing where available

    Where available, eligible bills are paid directly to in‑network providers, reducing paperwork for employees.

    Medical evacuation and repatriation

    International medical evacuation and repatriation are core benefits under a global medical insurance plan.
    Cigna Leaf

    Why small businesses choose Cigna Healthcare

    Trusted by businesses worldwide for over 60 years

    Small businesses and growing teams choose Cigna Healthcare for dependable global support, a consistent employee experience, and trusted expertise in managing international health cover.

    • Experienced support for internationally based workforces
      We support employers with employees working across borders, with an approach designed for international complexity.
    • A consistent experience across locations
      Designed to help employers provide dependable health cover for employees based in different countries.
    • Clear support for employers
      A structured service model designed to support clear day‑to‑day administration and ongoing plan management.
    • Dedicated account support for your business
      Each client is supported by a dedicated account manager, providing a consistent point of contact for ongoing administration and support.

    Getting started with international health insurance:
    How It Works

    Not sure where to start?
    Here’s how easy it is to get your team covered with Cigna Healthcare:

    • 1. Tell us about your business
      Click “Get a quote” and share a few details about your company and your employees.
    • 2. Chat with our team
      We’ll set up a short call to learn what matters most to you and your team - no pressure, just a quick conversation.
    • 3. Get your options
       We’ll send you a tailored business health insurance quote, with clear choices and prices, so you can pick what fits best.
    • 4. You decide
       Review your options, ask questions, and choose the plan that works for your business and your people.

    Get a tailored quote based on your workforce, locations, and requirements.


    Get a quote

    Headspace

     
    Through our collaboration with Headspace, Cigna Healthcare provides confidential mental wellbeing support for employees and their families, including unlimited coaching and access to guided mindfulness and meditation resources.
     
    Find out more

    Our Plans

     
    Explore our range of employer health insurance plans, designed to support internationally mobile workforces with flexible options that help organisations meet diverse employee health and wellbeing needs.
     
    Find out moreSpeak to an adviser

    FAQ

    What is small business international health insurance and how does it work?

    Small business international health insurance is a group health plan designed for companies with smaller workforces, or a large company with small teams. Providing access to medical care, preventative services, mental health support, and international coverage options.

    These plans help businesses protect their employees with flexible, modular health cover that can be tailored to business needs and budgets.

    Cigna Healthcare, for example, offers tailored health plans for groups of 2-149 employees that support employee wellbeing while helping small businesses manage healthcare costs effectively.

    How do I choose the best small business international health insurance plan for my employees?

    Start by assessing what matters most to your workforce—such as affordability, mental health support, global mobility, or digital care access. Compare plan benefits, provider networks, and wellbeing services. Our modular international business health insurance options allow you to build a plan around cost control, employee needs, and growth ambitions.

    What information do I need to get a quote?

    To provide an accurate quote, we typically need your estimated headcount, where employees are based, and the level of cover you want to consider. If you’re unsure, an adviser can help you work through the basics before you request a quote.

    How much does small business international health insurance cost?

    Costs vary depending on workforce size, average age, location, coverage level, and several more factors. Our international small business health insurance offers flexible and modular options designed to help businesses manage budgets while still delivering high‑value employee benefits.

    Because every business is different, we tailor our pricing to match your needs rather than offering a one‑size‑fits‑all rate.

    If you’d like a clearer idea of what your plan might cost, you can reach out by selecting Get a quote, leave some quick details, our team will be in touch to help put together a personalised quote for you and your team.

    Can this work if employees are based in different countries?

    Yes. International health insurance is designed for workforces that are not all in one location. The right approach depends on where employees are based and how your workforce is structured, which is why a tailored conversation is often helpful.

    What are the key benefits of Cigna Healthcare’s small business international health insurance?

    Our coverage includes access to 2.4 million+ global providers, 24/7 multilingual customer support, virtual doctor consultations, Headspace access, Integrated medical, pharmacy, and behavioural health cover and many more. To find out more, reach out to our team to discuss a tailored quote for your business.

    How many employees can I cover under a Cigna Healthcare business health insurance plan?

    Cigna Healthcare SME plans are designed for 2 to 149 employees, making them ideal for start‑ups, small teams, and growing global businesses. For large corporates, it's 150+

    How do I compare international health insurance providers?

    Focus on where cover applies, how employees access care, what the support model looks like for employers, and what the process is for billing and claims. A short call can help you compare options based on your workforce and priorities.

    Explore

    Why employee well-being matters for small global businesses

    What exactly is a wellness programme and why is employee well-being especially important for small businesses with globally mobile employees?  

    Find out more

    Need cover for a bigger team?

    We offer tailored plans for companies with over 150+ employees as well.

    Find out more

    What every global health insurance plan should include

    This guide breaks down the fundamentals to help you build a plan that meets your people’s needs and supports your organisation’s goals.

    Find out more

    Disclaimer

    Web-based tools, such as Cigna Envoy® are available for informational purposes only. These tools are not intended to be a substitute for medical care provided by a physician. The listing of a health care professional or facility in the mobile directories available through the Cigna Envoy mobile app does not guarantee that the services rendered by that professional or facility are covered under your benefits plan. Refer to your plan documents, or call the number listed on your ID card, for information about the services covered under your plan benefits. References to non-partnered organizations or companies, and/or their products, processes or services, do not necessarily constitute an endorsement or warranty thereof.

    The downloading and use of the Cigna Envoy Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply. The Apple logo is a trademark of Apple Inc., registered in the United States and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.
    Cigna Healthcare global telehealth products are administered by Teladoc, an independent third party service provider. All Teladoc doctors are licensed in the countries where they practice medicine and are fully qualified and trained to provide this service.

    Telehealth services may not be available in all jurisdictions. In general, to be covered by your plan, services must be medically necessary and used for the diagnosis or treatment of a covered condition. Not all prescription drugs are covered and prescriptions are not guaranteed to be written. Providers are solely responsible for any treatment provided and are not affiliated with Cigna Healthcare. Not all providers have video chat capabilities and video chat may not be available in all areas. Telehealth providers are separate from your health plan’s provider network.

    This material is co-branded by Cigna Healthcare and Headspace. Insurance coverage is provided solely by Cigna Healthcare. Headspace provides access to mental health support services, which are delivered independently of Cigna Healthcare. Cigna Healthcare does not assume any responsibility for the provision or quality of such services. For any medical or mental health emergencies, please contact a qualified health care professional immediately.

    2.4 million hospitals and healthcare professionals is data from the GHB Network analysis of February 2025. Subject to change.

    © 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.

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