Our Plans

International Medical Insurance

Choose your level of cover from the table below. All amounts apply per beneficiary and per period of cover (except where otherwise noted). International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs, as well as cover for cancer, mental health care and much more. Our Gold and Platinum plans also give you cover for inpatient and daypatient maternity care.

Annual beneft - maximum per beneficiary per period of cover

This includes claims paid across all sections of International Medical Insurance.

Silver

  • $1,000,000
  • €800,000
  • £650,000

Gold

  • $2,000,000
  • €1,600,000
  • £1,300,000

Platinum

  • Unlimited

Hospital charges for:

Nursing and accomodation for inpatient and daypatient treatment and recovery room.

Silver

  • Paid in full for semi-private room

Gold

  • Paid in full for a private room

Platinum

  • Paid in full for a private room

Hospital charges for:

  • Operating theatre.
  • Prescribed medicines, drugs and dressings for inpatient or daypatient treatment.
  • Treatment room fees for outpatient surgery.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Intensive care

  • Intensive therapy.
  • Coronary care.
  • High dependency unit.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Surgeons’ and anaesthetists’ fees

Where surgery is provided on an inpatient, daypatient or outpatient basis.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Specialists’ consultation fees

Paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity. 

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Hospital accommodation for a parent or guardian

Up to the maximum amount shown per period of cover.
If a beneficiary who is under the age of 18 years old needs inpatient treatment and has to stay in hospital overnight, we will also pay for hospital accommodation for a parent or legal guardian, if:

  • accommodation is available in the same hospital; and
  • the cost is reasonable.

Silver

  • $1,000
  • €740
  • £665

Gold

  • $1,000
  • €740
  • £665

Platinum

  • Paid in Full

Transplant services for organ, bone marrow and stem cell transplants

We will pay for inpatient treatment directly associated with an organ transplant, for the beneficiary if:

  • the transplant is medically necessary, and the organ to be transplanted has been donated by a member of the beneficiary's family or comes from a varified or legitimate source.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Kidney dialysis

Where treatment is provided on an inpatient, daypatient or outpatient basis. 

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging)

Where investigations are provided on an inpatient or daypatient basis.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Advanced Medical Imaging (MRI, CT and PET scans)

Up to the maximum amount shown per period of cover. We will pay for these scans whether received on an inpatient, daypatient or an outpatient basis.

Silver

  • $5,000
  • €3,700
  • £3,325

Gold

  • $10,000
  • €7,400
  • £6,650

Platinum

  • Paid in Full

Physiotherapy and complementary therapies

Up to the maximum amount shown per period of cover. Where treatment is provided on an inpatient or daypatient basis.

Silver

  • $2,500
  • €1,850
  • £1,650

Gold

  • $5,000
  • €3,700
  • £3,325

Platinum

  • Paid in Full

Home nursing

Up to 30 days and the maximum amount shown per period of cover.

Silver

  • $2,500
  • €1,850
  • £1,650

Gold

  • $5,000
  • €3,700
  • £3,325

Platinum

  • Paid in full

Rehabilitation

Up to 30 days and the maximum amount shown per period of cover.

Silver

  • $2,500
  • €1,850
  • £1,650

Gold

  • $5,000
  • €3,700
  • £3,325

Platinum

  • Paid in Full

Hospice and palliative care

Up to the maximum amount shown per lifetime.

Silver

  • $2,500
  • €1,850
  • £1,650

Gold

  • $5,000
  • €3,700
  • £3,325

Platinum

  • Paid in Full

Internal prosthetic devices/surgical and medical appliances

We will pay for:

  • a prosthetic implant, device or appliance which is inserted during surgery.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

External prosthetic devices/surgical and medical appliances

Up to the maximum amount shown per period of cover. We will pay for:

  • a prosthetic device or appliance which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity.
  • a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.

For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices.

 

Silver

  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)

Gold

  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)

Platinum

  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)

Local ambulance and air ambulance services

Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalisation. 

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Inpatient cash benefit

Per night up to 30 nights per period of cover. We will make a cash payment to the beneficiary when they:

  • receive treatment in hospital which is covered under this plan;
  • stay in a hospital overnight; and
  • have not been charged for their room, board and treatment costs.

 

Silver

  • $100
  • €75
  • £65

Gold

  • $100
  • €75
  • £65

Platinum

  • $200
  • €150
  • £130

Emergency inpatient dental treatment

Dental treatment in hospital after a serious accident.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Mental health care

Up to the maximum amount shown per period of cover
Subject to the limits explained below we will pay for:
• the treatment of mental health conditions and disorders; and
• the diagnosis of addictions (including alcoholism); 
 

 

Silver

  • $5,000
  • €3,700
  • £3,325

Gold

  • $10,000
  • €7,400
  • £6,650

Platinum

  • Paid in Full

Cancer care

› Following a diagnosis of cancer, we will pay for costs for the treatment of cancer if the treatment is considered by us to be active treatment and evidence-based treatment. This includes chemotherapy, radiotherapy, oncology, diagnostic tests and drugs, whether the beneficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient.
› We do not pay for genetic cancer screening.

Silver

  • Paid in Full

Gold

  • Paid in Full

Platinum

  • Paid in Full

Routine maternity benefit care

(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay for the following parent and baby care and treatment, on an inpatient or daypatient basis as appropriate, if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more:
• hospital, obstetricians’ and midwives’ fees for routine childbirth; and
• any fees as a result of post-natal care required by the mother immediately following routine childbirth.
› We will not pay for surrogacy or any related treatment. We will not pay for maternity benefit care or treatment for a beneficiary acting as a surrogate or anyone acting as a surrogate for a beneficiary.

Silver

  • Not covered

Gold

  • $7,000
  • €5,500
  • £4,500

Platinum

  • $14,000
  • €11,000
  • £9,000

Complications from maternity

(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay for inpatient or outpatient treatment relating to complications resulting from pregnancy or
childbirth if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more. This is limited to conditions which can only arise as a direct result of pregnancy or childbirth, including miscarriage and ectopic pregnancy.

Silver

  • Not covered

Gold

  • $14,000
  • €11,000
  • £9,000

Platinum

  • $28,000
  • €22,000
  • £18,000

Homebirths

(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay midwives’ and specialists’ fees relating to routine home births if the mother has been a beneficiary under this policy for a continuous period of 12months or more.
› Please note that the Complications from maternity cover explained above does not include cover for home childbirth. This means that any costs relating to complications which arise in relation to home childbirth will only be paid in accordance with the home childbirth limits, as explained in the list of benefits.

Silver

  • Not covered

Gold

  • $500
  • €370
  • £335

Platinum

  • $1,100
  • €850
  • £700

Newborn care

Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the
policy for 12 months or more.
› Provided the newborn is added to the policy, we will pay for:
• up to 10 days routine care for the baby following birth; and
• all treatment required for the baby during the first 90 days after birth instead of any other benefit; if at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth.

Silver

  • $25,000
  • €18,500
  • £16,500

Gold

  • $75,000
  • €55,500
  • £48,000

Platinum

  • $156,000
  • €122,000
  • £100,000

Congenital conditions

Up to the maximum amount shown per period of cover.
› We will pay for treatment of congenital conditions on an inpatient or daypatient basis which manifest
themselves before the beneficiary’s 18th birthday if:
• at least one parent has been covered by the policy for a continuous period of 12 months or more prior
to the newborn’s birth and the newborn is added to the policy within 30 days of the birth.
• they were not evident at policy inception.

Silver

  • $5,000
  • €3,700
  • £3,325

Gold

  • $20,000
  • €14,800
  • £13,300

Platinum

  • $39,000
  • €30,500
  • £25,000

Deductible (various)

A deductible is the amount which you must pay before any claims are covered by your plan.

Silver

  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650

Gold

  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650

Platinum

  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650

Cost share after deductible and out of pocket maximum

Cost share is the percentage of each claim not covered by your plan.

The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.

The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.

Silver

  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325

Gold

  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325

Platinum

  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325

Add Optional Benefits

Cigna Global Health Options helps you create a health insurance plan that's perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of additional modules to build a plan which fits your needs.

 

Premium International Health Insurance from Cigna

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