Hints & tips for Expats, by Expats on health and well-being.
At Cigna Global, we specialize in worldwide health insurance for globally mobile individuals, providing health care coverage, well-being services and international travel support. It’s our mission to provide you with peace of mind, wherever your adventure takes you in the world.
Whether you are an expat working or living abroad, someone who has retired to a different country or a student perhaps, our global medical insurance plans provide you with the protection and services simple travel insurance cannot.
We have been taking care of expat health and well-being for over 100 years. We have over 180 million customer relationships in over 200 countries and jurisdictions, looked after by an extensive international workforce of over 75,000 people, plus a medical network comprising of over 1.65 million partnerships. We use our scale to deliver choice, predictability, affordability and access to quality care.
Our multi-lingual Customer Care Team is available 24/7, based across the globe, each with their own in-depth local knowledge and our team of dedicated doctors and nurses provide personalized medical advice and support.
We understand what it’s like to live and work abroad and we have tools, support and resources that can assist you along your journey. Our extensive global network, clinical expertise and suite of digital tools allow you to manage your health and well-being anytime, from anywhere.
Our health, self and well-being are made up of many moving parts that change from moment to moment. We help you get more support in facing the demands of modern life and tailoring your healthcare to your life - whether at home, at work, and everything in between.
An international health insurance plan gives you access to private health care services across the globe. Cigna’s health insurance policies are flexible to suit your needs and budget: you can choose from a range of cover levels and personalization options to find the right plan for you. Our plans cover treatment for both emergency and routine healthcare, and provide you with flexibility in terms of choice of doctor and treatment facility.
With Cigna’s international health plans, you can access private healthcare providers anywhere within your region of travel. This means you don’t have to rely on local, public health care systems, which may not meet your needs. You also avoid surprise health care bills and instead pay a regular, predictable premium. If you do need to claim, we can often pay the provider directly.
With Cigna, it’s easy to start building your international health insurance plan. To find the right cover for you, start by getting a quote online. You’ll be asked a few basic questions like who to cover, where you’re based, and how long you’d like the cover for. You’ll receive an indication of price straight away and one of our team-members will be in touch to answer any questions and set up cover over the phone.
International health insurance policies are designed for people living or working overseas long term. It covers treatment for both emergency and routine health care, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover. A travel insurance policy is designed to cover short trips abroad, such as a holiday or business trip. This kind of insurance only offers short term cover for medical emergencies, and some non-medical benefits like cover for lost luggage or trip disruptions.
The quality of health care can vary widely around the world. The quality of care in your new country may not be to the standard you were used to back home. In addition, as a foreign national, you and your family may not be entitled to any free or subsidized health care. It is therefore important to consider an expat health plan to provide for the health care needs of you and your family.
A Cigna expat health insurance policy is flexible to your needs. Start with one of our core insurance policies - these provide protection for essential hospital stays and treatment. Surgeon and consultation fees and hospital accommodation are also covered. Inpatient, outpatient and cancer treatments are also provided for. In addition, our Gold and Platinum core policies offer levels of cover for routine maternity needs.
You can tailor your policy with a range of optional benefits. International Outpatient provides you with more extensive outpatient cover including doctor’s visits and prescriptions. In addition, you can add medical evacuation, health and well-being and vision and dental benefits to your policy.
The cost of health insurance will vary by plan and insurer. Some insurers might offer you cheap plans, but the cover they provide may be significantly less. At Cigna we work hard to ensure that we keep our levels of cover high and prices down. Our plans are flexible and tailored to you.
You can choose to be covered anywhere in the world. And your cover travels with you, whether you’re moving between two countries or travelling more extensively.