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Expat Health Insurance Explained

Expat Health Insurance Explained

We answer your questions about expat health insurance.

What is expatriate health insurance?

Expatriate health insurance is designed for those who are living and working abroad.  It is designed to give you and your family access to the best healthcare possible, wherever you are in the world.

When you need treatment, call our Customer Care Team. We can help you arrange your treatment plan, and point you in the right direction, saving you the time and hassle of looking for a hospital, clinic or medical practitioner yourself. We appreciate that there will be times when it will not be practical or possible for a beneficiary to contact us for prior approval (for example, emergencies, or when a family member is suddenly sick and the priority is to get treatment for them as soon as possible). In circumstances like these, we ask that you or the affected beneficiary get in touch with us 48 hours after treatment has been sought, so that we can confirm whether treatment is covered and arrange settlement with your provider.

The quality of healthcare 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.  Also, as a foreign national, you and your family will not likely be entitled to any free or subsidised healthcare. It is therefore important to consider an expatriate health plan to provide for the healthcare 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 you protection for essential hospital stays and treatment. Surgeon and consultation fees as well as hospital accommodation are covered. In-patient, outpatient and cancer treatments are also provided for. In addition, our Gold and Platinum core policies offer levels of cover for routine maternity.

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 wellbeing 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 and get a free no obligation quote today.

Looking for country information?

If you're planning to work or live abroad, we have a list of helpful country guides for you to explore.


Need help choosing a plan?

If you need help deciding what plan is best for you request a call back from our specialist team, or contact us directly and we’ll be happy to help.

Request a call back

Or call our sales team on +44 (0)1475 492119 (Mon-Fri 8am-8pm GMT)