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Expat Health Insurance
Expat Insurance
Designed for both individuals and families, our international expat medical insurance helps give you peace of mind.
Whenever and wherever you need it, enjoy:
- Comprehensive cover to match your budget
- Flexible plansincluding mental health and cancer care
- Global access to care & telehealth doctors
- 24/7 support
Moving abroad brings new, exciting opportunities – and having the right health cover in place can help you navigate them with confidence. Our international health insurance for expats is designed to support you, every step of the way.
With Cigna Healthcare plans, you get:
- Comprehensive international cover for your healthcare needs
- Flexible plans shaped around your lifestyle, location, and priorities
- Access to a global network of providers, and 24/7 customer support
What is expat medical insurance?
Expat insurance is health cover designed for people living or working abroad, to assist with any medical issues they may encounter.
Whether you’re based in one country or moving between destinations, global coverage helps you access healthcare internationally with a single plan, rather than relying on local systems in each location. It’s designed to make healthcare abroad more straightforward, with consistent access to care, wherever you are.
Key benefits include:
- One plan that covers you across multiple countries, with no need to switch
- Access to international healthcare providers and support when needed.
Why choose Cigna Healthcare?
Cigna Healthcare offers flexible cover, global support and an extensive network of healthcare professionals. We help you manage your healthcare needs with confidence.
With our expatriate medical insurance plans, you can get:
Local and Global Coverage
Access to a global network of over 2 million hospitals, clinics, and medical professionals
24/7 Support
24/7 multilingual customer support to help you navigate care, wherever you are
Crisis Assistance Plus™
An optional Crisis Assistance Plus™ service for support during travel disruptions and emergencies
Comprehensive Plans
Support for individuals and families, with plans designed for both everyday care and longer-term health needs
Flexibility and Choice
Flexible plans that can be tailored to your location, lifestyle, and evolving healthcare needs.
The benefits of health insurance for expats
Our cover can help simplify how you manage your healthcare abroad. This gives you a clearer, more consistent way to access care across different stages of your journey.
Other benefits include:
- Greater clarity on cover and costs, helping you make plans with confidence
- Access to multiple healthcare providers, wherever you choose to live or work
- Flexible options that adapt as your location, lifestyle, or family needs change
- Ongoing support to help you navigate healthcare systems in different countries
- Support for more complex situations, including medical evacuation and access to virtual care services
- Access to wellbeing support, including mental health services and preventative care options.
Who is expat medical insurance for?
Expat medical insurance is designed for people living, working, or spending extended time abroad who want a consistent way to access healthcare across countries. It supports a wide range of lifestyles, offering flexible cover that can adapt as your circumstances change.
Working expats and professionals
Get a clear and consistent approach to healthcare when relocating abroad for career reasons, or taking on international work assignments. It helps you access treatment locally or internationally, without needing to rely solely on unfamiliar healthcare systems.
Remote workers and digital nomads
If you consistently work while moving between countries, having one plan that travels with you can make managing healthcare more straightforward. Gain continuity as you progress your career.
Students
Students studying abroad can benefit from cover that supports both routine healthcare and unexpected medical needs. It provides access to care and peace of mind while living away from home, helping you stay focused on your studies and experience abroad.
Families
Get a practical way to manage healthcare for everyone under one plan. Our insurance can support a range of needs, from everyday and maternity care to more complex treatment, with flexibility as your family’s situation evolves.
Retirees living abroad
If you’re spending your retirement overseas, expat health insurance can help you access healthcare in your chosen country, with options to suit your lifestyle. Enjoy peace of mind as you relax, forge friendships, and explore new adventures.
Our global medical insurance plans – your coverage at a glance
Cigna Global Health Options
High quality global care
Choose from two health plan options: Worldwide / Worldwide excluding US.
Customizable global health insurance
With three levels to choose from, four optional add-ons, and flexible payment options, you can build a tailored, personalized plan that works for your health needs.
Comprehensive cover
Access global healthcare insurance for inpatient, day-patient and emergency care. We also provide mental health care, pandemic cover and cancer care.
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.
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Private room
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Full cancer care up to $1,000,000
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Medical Imaging and scans up to $10,000
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Rehabilitation, including Physiotherapy, up to $5,000
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A&E Room Treatment up to $500
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No maternity cover
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No obesity treatment
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No infertility treatment
Gold
Annual maximum of $2,000,000 for inpatient and daypatient treatment.
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Private room
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Full cancer care up to $2,000,000
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Medical Imaging and scans up to $30,000
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Rehabilitation, including Physiotherapy up to $15,000
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A&E Room Treatment up to $1,000
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Routine Maternity up to $7,000
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Obesity surgery up to $20,000
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No infertility treatment
Platinum
Inpatient and daypatient treatment is Paid in Full.
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Private room
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Full cancer care
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Medical Imaging and scans Paid in Full
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Rehabilitation, including Physiotherapy Paid in Full
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A&E Room Treatment up to $2,000
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Routine Maternity up to $14,000
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Inpatient Maternity up to $14,000
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Obesity surgery up to $25,000
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Infertility treatment up to $10,000
Key features of Cigna Global Health Options
- Three levels of cover to choose from: Silver, Gold, and Platinum
- Annual benefit limits aligned to your chosen level of cover
- Option to include outpatient, dental, and wellbeing modules
- Cover for inpatient, day patient, and cancer treatment as standard
- Global telehealth services for remote consultations where available
- Medical evacuation and repatriation support included in core plans
Choosing your international health insurance
Get started
Answer a few questions and enter your personal details to get started.
Choose your plan
Compare plans and find a flexible package to suit your needs.
Get protected
Receive your quote and get protected today.
Unsure which global health insurance plan best suits your needs?
If you have any questions about our global health insurance, don’t hesitate to reach out to us. Whether you’re planning a career move abroad, already live and work overseas, or regularly visit other countries for business, we’re here to help.
View our Plan Comparison [PDF] or call our expert sales team on one of these numbers.
Worldwide: + 44 (0)1475 492119 - Singapore: +65 3158 7581 - United States: 877.539.6295
How to create your package
Step 1: Get started
Answer a few simple questions about yourself, your location, and your plans abroad. This helps tailor your quote and ensures your cover reflects your personal circumstances and requirements.
Step 2: Choose your plan
Review the available options and select the level of cover that suits your needs, budget, and destination. You can also tailor your plan with additional benefits to match your lifestyle.
Step 3: Get protected
Once you’re happy with your selection, you can complete your application and receive your quote. Your cover can then begin, giving you a clear and consistent way to access healthcare abroad.
Need to make a claim? It’s easy
At Cigna, we make it quick and easy to make a claim on your global health insurance – so you’ve one less thing to worry about.
- You’ll need to contact us before you arrange any treatment, so we can check you’re covered and help you arrange your plan.
If it’s an emergency, just get in touch within 48 hours.
- We’ll pay most providers and hospitals directly. Just make sure they have the ‘Direct billing available’ mark against them when choosing your provider.
- If you’ve chosen a deductible or cost share option, you’ll need to pay your provider directly, and we’ll sort out the rest.
Why do I need expat medical insurance when working abroad?
You may be starting a new role overseas, taking on an international assignment, or already building your life in a new country. Wherever you are in your journey, having expat medical insurance can help you feel prepared and supported as you settle into your new environment.
- Healthcare systems vary. In some locations, access to care may be limited, private treatment can be costly, or health insurance may even be a requirement for entry or residency.
- Having the right cover in place also gives you a clearer, more consistent way to manage your healthcare, without needing to navigate unfamiliar systems on your own.
With health insurance tailored for your expat needs, you can focus on the opportunities ahead, knowing you have access to care when you most need it.
It’s about feeling confident, prepared, and able to make the most of your experience abroad. We’re here to help you and your loved ones build a long-term future.
FAQs
Expat health insurance can be used across multiple countries, depending on the cover you choose. Some plans are designed for specific regions, while others offer worldwide coverage, with or without the USA.
It’s important to check your selected level of cover and area of coverage before accessing treatment. Understanding where your policy applies can help you use it effectively in different locations.
Yes, you’ll usually need to share details of any pre-existing medical conditions when applying for expat health insurance. Providing accurate information helps ensure your cover is clear and appropriate for your needs.
The cost of expat health insurance depends on your individual circumstances and the level of cover you choose.
Factors such as your age, destination, area of coverage, medical history, and selected benefits can all affect the price. Getting a personalized quote is the best way to understand how much your expat health insurance may cost.
Expat health and travel insurance are designed for different purposes. Travel insurance is typically for short trips, while expat health insurance is intended for longer stays or living abroad.
Expat health insurance is not always a legal requirement, but it can be an important part of preparing for life overseas. Healthcare access, quality, and costs can vary, so having cover can be a great way to manage your health.
It can be particularly valuable for families or those planning a long-term retirement. You can also explore popular expat destinations to help plan your move.
The best expat health insurance for you will depend on your individual needs, including where you live, your budget, and the level of cover you’re looking for.
Plans like Cigna Global Health Options offer flexible levels of cover, access to a global network of providers, and optional benefits. This means you can choose a straightforward solution that fits your lifestyle abroad.
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.
Contact Information© 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.
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