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    Small business

    Health insurance for 2-149 Employees

    International Small Business & SME Health Insurance

    Protect your small company or growing team with Cigna Healthcare’s global cover. Designed for businesses with 2 to 149 employees, offering flexible, affordable group health cover for your workforce—wherever your business takes you.

    Reliable and easy access to quality healthcare for employees, wherever they are in the world

    Get a quote
    blueLeaf

    Why choose Cigna Healthcare for small business health insurance?

    When your small business or team of 2–149 employees needs reliable, international health insurance, Cigna Healthcare delivers group health plans that combine global reach, cost control, and employee well-being. We offer:

    Tailored for small companies and teams

    Tailored for small companies and teams of 2-149 employees

    Flexible, modular options

    Flexible, modular options make it easy to build a plan for your needs and your budget.

    Invest in wellness

    Guided by our know-how, you can control costs and invest strategically in workplace wellness

    Trusted by leading employers

    Trusted by businesses worldwide for business medical insurance and employee well-being for over 60 years

    Which benefits do your employees gain?

    With our international health cover, your employees benefits include:

    • Tap into our global network of 2.4 million+ hospitals and healthcare professionals for quality care—at home or abroad.
    • With our multilingual 24/7 support, they can get the help with medical questions, claims, or emergencies, anytime.
    • Virtual doctor consultations allow them to chat with a doctor online or by phone, so they can get advice and prescriptions fast, wherever they are.
    • International Employee Assistance Programmes (IEAP) offer confidential 24/7 counselling and support for personal or work pressures, helping employees stay healthy, resilient, and productive.
    • With Cigna Healthcare, your employees can access Headspace’s practical tools to help support their mental wellbeing - whenever they need it.
    • No paperwork stress, as eligible bills are paid directly to in-network providers, so they can focus on getting better.
    • Cigna Healthcare offers flexible cover allowing you to choose the benefits that matter so your plan fits your employees need.
    • International Medical Evacuation & Repatriation coverage are core benefits under a Cigna Healthcare global medical insurance plan.

    Discover our full range of benefits - connect with our team for a personalised quote.

    Benefits

    A dedicated Account Manager committed to improving results for your team.

    Every client is partnered with a dedicated account manager who provides proactive support, ensuring a smooth experience from onboarding to ongoing administration.

    Becoming your primary contact point during your teams time with Cigna Healthcare. To discover more, discuss a tailored quote with our expert team.


    Get a quote
    blueLeaf

    You think you need business health insurance, but not sure where to start?

    Getting the right small business health insurance for your globally mobile team doesn’t have to be complicated. If you’re a company or team with 2–149 employees and want to protect your people, here’s what to look for:

    Coverage that fits

    Choose a plan that matches your team size, budget, and the way you work.

    Simple claims

    Direct payment to providers means less paperwork for your employees and faster care.

    Global network

    Make sure your employees can access trusted doctors and hospitals worldwide, not just at home.

    24/7 support

    Select a company that delivers 24/7 help with medical questions, claims, and urgent situations

    Virtual care

    Online doctor visits and digital health tools make it easy for your team to get care wherever they are.

    Employee well-being

    Mental health support and wellness resources are just as important as physical cover.

    Choosing International Health Insurance for Employees:
    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 quote

    Headspace

    At Cigna Healthcare, we know that addressing and supporting your employees health is a top priority. And in our partnership with Headspace, we’re now providing more robust offerings centred around mental health and well-being.

    Headspace offers convenient and confidential mental well-being support for your employees and their families, with unlimited access to mental wellness coaching alongside hundreds of free guided meditation and mindfulness exercises.

    Peace of mind for your employees, flexible solution for your business.

    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.

    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.

    How do employees access care abroad?

    Cigna makes international healthcare simple and reliable by providing access to a global network of doctors and hospitals, supported by 24/7 multilingual assistance for guidance and emergencies.

    Employees can also use the Cigna Envoy® platform to manage benefits, locate providers, and submit claims online, while telehealth services offer virtual consultations from anywhere.

    Direct billing arrangements minimise upfront costs, and emergency support such as medical evacuation ensures peace of mind.

    With Cigna Healthcare, you and your employees can count on comprehensive, convenient care - wherever work takes you.

    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.

    What is an employee wellness programme?

    An employee wellness programme is a structured holistic initiative designed to support the overall well-being of employees, not just their physical health. Recognising that well-being is multifaceted and interconnected, it goes beyond core medical insurance, offering services and resources to help support global employees’ physical, mental, social and even financial well-being.

    Our blog article "Why employee well-being matters for small global businesses" covers this topic and can be found in our small business blog by clicking here.

    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+

    Is Headspace included in Cigna Healthcare’s international insurance?

    Yes. Cigna Healthcare integrates Headspace access into its wellbeing features, offering employees instant tools for stress management, mindfulness, and emotional wellbeing.

    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? Let’s explore the details.

    Find out more

    Need help choosing a plan?

    Our expert advisors are on hand to help. Get in touch with our teams to learn more about our health solutions.

    Get a quote

    "What every global health insurance plan should include" - A practical guide

    This guide breaks down the fundamentals – core coverage, mental health support, pricing mechanics, and customisable options – 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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