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Small Business Health Insurance for Employees Working Abroad
International health insurance for small businesses — flexible cover for teams of 2 to 149, wherever they're based.
A simpler way to protect employees abroad
Small business health insurance gives you a single, employer-sponsored plan to cover your people wherever they work — no juggling separate policies per country.
Our international health insurance for small businesses is built for teams of 2 to 149, giving smaller and growing organisations the same quality of global cover as large multinationals, scaled to their size.
- Cover for small businesses or smaller teams within larger organisations
- Support for employees based across multiple countries
- Guidance to help you choose the right level of cover
What to consider when choosing international health insurance
Choosing the right cover can feel complex — especially when teams are spread across countries or operating internationally. Focus on these key areas when comparing options:
- Location - how cover applies across the countries your employees live and work
- Access to care - how easy it is to find and use healthcare services
- Claims and billing process - what’s covered, what’s paid directly, and what needs claiming
- Out of hours support - 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.
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
24/7 multilingual support
Virtual doctor appointments
Wellbeing and mental health support
Direct billing where available
Medical evacuation and repatriation
How much does international health insurance cost for a small business?
Many employers ask how much international health insurance costs for employees working abroad. The cost will depend on a number of factors, including:
- The number of employees covered
- Where employees are based or travelling
- The level of cover selected
- Employee ages and demographics
- Optional benefits, such as dental and vision cover
At Cigna Healthcare, we work with businesses of 2-149 employees to create international healthcare solutions tailored to their workforce, locations and budget. Whether you're covering a small team in one country or employees across multiple markets, our advisers can help identify the right solution for your business.
Our advisers are here to help small businesses and teams find the right quote for them and their employees.
Why global small businesses and teams choose Cigna Healthcare
Health cover for small teams working internationally — designed specifically for organisations of 2 to 149 employees, not a large-corporate plan squeezed to fit.
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.
Building an international employee health benefits programme?
Whether you're supporting employees working abroad for the first time or reviewing your current benefits offering, our practical HR guide explores the key features to look for in an international health insurance plan and the questions HR teams should ask before making a decision.
Discover how international health insurance helps global employers protect employees abroad, manage risk and provide consistent access to health care.
FAQ
Yes. International health insurance is designed to help employees access healthcare while living or working outside their home country. Unlike domestic health insurance, international health insurance can provide cover across multiple countries and help support globally mobile employees and their families.
Cigna Healthcare offers tailored plans for groups of 2-149 employees, with flexible, modular cover that can be adapted to your business needs and budget.
When choosing international health insurance for employees, consider:
- Where employees are based or travelling
- The level of healthcare cover required
- Access to provider networks
- Mental health and wellbeing support
- Your available budget
Costs vary depending on workforce size, average age, location, coverage level, and several more factors. For internationally mobile teams, the countries where employees live and work can also influence pricing and plan design. 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.
International health insurance is designed for people living, working or spending extended periods outside their home country. It can help provide access to healthcare across multiple countries and is commonly used by expatriates, globally mobile employees and international teams.
For employers, international health insurance can be an effective way to support employee wellbeing and provide access to healthcare wherever work takes them. To learn more, our blog article on this topic can be found here.
Simply click here and provide a few details about your business, workforce size and employee locations. Our team will work with you to provide a tailored recommendation and a personalised quote based on your requirements.
You don't need to have all the answers upfront, our team can help you understand what's available and recommend an approach that fits your employees, locations and budget.
Yes. International health insurance is designed for workforces that aren't all in one location. The right approach depends on where your employees are based and how your team is structured — which is why a tailored conversation is often the quickest way to get it right.
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.
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+
Explore
What exactly is a wellness programme and why is employee well-being especially important for small businesses with globally mobile employees?
We offer tailored plans for companies with over 150+ employees as well.
Understand when travel insurance is sufficient and when corporate international health insurance is required. A practical guide for employers managing global assignments and workforce mobility.
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.
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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