Create your perfect plan with Cigna and combine the reassurance of comprehensive inpatient cover with the flexibility of optional extra benefits.
At Cigna Global, we specialize in international health insurance for globally mobile individuals and their families. Whether you are an expat working or living abroad, someone who has retired to a different country or a student perhaps, we have medical insurance plans you can tailor to your own situation.
We are dedicated to helping our customers better manage their overall health and wellbeing and ensuring our customers have quality care available as and when they need it, allowing them to focus on what matters most, their recovery.
Essential hospital stays and treatments, including: surgeons and specialist consultation fees, hospital accommodation, nursing and medicines
The flexibility to choose an area of coverage that suits your circumstances, and deductible and cost share options that suit your budget
Access to support from Cigna doctors and nurses through our Clinical Case Management programme
The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.
Annual Benefit Limit: $1,000,000
Inpatient and daypatient treatment
Private room
Full cancer care
Newborn care cover
Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.
Annual Benefit Limit: $2,000,000
Inpatient and daypatient treatment
Private room
Full cancer care
Inpatient Maternity
Access to our Safe Travel app
Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.
Annual Benefit Limit: Paid in full
Inpatient and daypatient treatment
Private room
Full cancer care
Inpatient Maternity
Mental and Behavioural Health care paid in full
Access to our Safe Travel app
| Annual benefit - maximum per beneficiary per period of cover | Silver | Gold | Platinum | Close Care |
|---|---|---|---|---|
This includes claims paid across all sections of International Medical Insurance. | $1,000,000 | $2,000,000 | Paid in full | $500,000 |
This includes claims paid across all sections of International Medical Insurance.
$1,000,000
$2,000,000
Paid in full
$500,000
| Hospital charges for: | Silver | Gold | Platinum | Close Care |
|---|---|---|---|---|
Inpatient & daypatient treatment. | Paid in full | Paid in full | Paid in full | Paid in full |
| Hospital accommodation for a parent or guardian | Silver | Gold | Platinum | Close Care |
$1,000 | $1,000 | Paid in Full | No coverage |
|
| Pandemics, epidemics and outbreaks of infectious illnesses | Silver | Gold | Platinum | Close Care |
Paid in full | Paid in full | Paid in full | Paid in full |
|
| Inpatient cash benefit | Silver | Gold | Platinum | Close Care |
Per night up to 30 days per beneficiary per period of cover. | $100 | $100 | $200 | No coverage |
| Accident and Emergency Room treatment | Silver | Gold | Platinum | Close Care |
For necessary emergency treatment. | $500 | $1,000 | $1,200 | No coverage |
| Transplant services | Silver | Gold | Platinum | Close Care |
Paid in Full | Paid in Full | Paid in Full | No coverage |
|
| Advanced Medical Imaging (MRI, CT and PET scans) | Silver | Gold | Platinum | Close Care |
As part of inpatient, daypatient or outpatient treatment. | $10,000 | $15,000 | Paid in Full | $2,500 |
| Rehabilitation | Silver | Gold | Platinum | Close Care |
We will pay for:
| $5,000 | $10,000 | Paid in Full | $2,000 |
| Home nursing | Silver | Gold | Platinum | Close Care |
$2,500 | $5,000 | Paid in Full | No coverage |
|
| Acupuncture and Chinese Medicine | Silver | Gold | Platinum | Close Care |
$1,500 | $2,500 | Paid in Full | Physiotherapy and complementary therapies: $2,000 |
|
| Palliative care | Silver | Gold | Platinum | Close Care |
We will pay for:
| $35,000 | $60,000 | Paid in Full | Hospice and palliative care: $2,500 |
| Prosthetic devices | Silver | Gold | Platinum | Close Care |
Paid in Full | Paid in Full | Paid in Full | Internal prosthetic devices/surgical and medical appliances: External prosthetic devices/surgical and medical appliances: |
|
| Local ambulance & air ambulance services | Silver | Gold | Platinum | Close Care |
Paid in Full | Paid in Full | Paid in Full | Paid in Full (road only) |
|
| Treatment for obesity | Silver | Gold | Platinum | Close Care |
Available once the beneficiary has been covered for 24 months. | No coverage | 70% refund up to $20,000 | 80% refund up to $25,000 | No coverage |
| Congenital conditions | Silver | Gold | Platinum | Close Care |
$5,000 | $20,000 | $39,000 | No coverage |
|
| Out of Area Emergency Hospitalisation Cover | Silver | Gold | Platinum | Close Care |
For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs. | $100,000 | $250,000 | Paid in Full | $40,000 |
Inpatient & daypatient treatment.
Paid in full
Private room
Paid in full
Private room
Paid in full
Private room
Paid in full
Semi-private room
Kidney dialysis: $5,000
Emergency inpatient dental treatment: $2,500
$1,000
$1,000
Paid in Full
No coverage
Paid in full
Paid in full
Paid in full
Paid in full
Per night up to 30 days per beneficiary per period of cover.
$100
$100
$200
No coverage
For necessary emergency treatment.
$500
$1,000
$1,200
No coverage
Paid in Full
Paid in Full
Paid in Full
No coverage
As part of inpatient, daypatient or outpatient treatment.
$10,000
$15,000
Paid in Full
$2,500
We will pay for:
$5,000
Up to 30 days
$10,000
Up to 60 days
Paid in Full
Up to 90 days
$2,000
$2,500
Up to 30 days
$5,000
Up to 60 days
Paid in Full
Up to 120 days
No coverage
$1,500
$2,500
Paid in Full
Physiotherapy and complementary therapies: $2,000
We will pay for:
$35,000
$60,000
Paid in Full
Hospice and palliative care: $2,500
Paid in Full
Paid in Full
Paid in Full
Internal prosthetic devices/surgical and medical appliances:
Paid in full
External prosthetic devices/surgical and medical appliances:
$2,500
Paid in Full
Paid in Full
Paid in Full
Paid in Full (road only)
Available once the beneficiary has been covered for 24 months.
No coverage
70% refund up to $20,000
80% refund up to $25,000
No coverage
$5,000
$20,000
$39,000
No coverage
For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs.
$100,000
$250,000
Paid in Full
$40,000
| Mental and behavioural health care | Silver | Gold | Platinum | Close Care |
|---|---|---|---|---|
As part of inpatient, daypatient or outpatient treatment. | $5,000 | $10,000 | Paid in Full | $3,000 |
As part of inpatient, daypatient or outpatient treatment.
$5,000
Up to 30 days (Inpatient and Daypatient treatment)
$10,000
Up to 60 days (Inpatient and Daypatient treatment)
Paid in Full
Up to 90 days (Inpatient and Daypatient treatment)
$3,000
Maximum total of 60 days cover, including a maximum of 30 days of inpatient.
Combined total of 90 days in any five year period.
| Cancer preventative surgery | Silver | Gold | Platinum | Close Care |
|---|---|---|---|---|
70% refund up to $10,000 | 80% refund up to $18,000 | 90% refund up to $18,000 | No coverage |
|
| Cancer care | Silver | Gold | Platinum | Close Care |
Paid in Full | Paid in Full | Paid in Full | Paid in Full |
70% refund up to $10,000
80% refund up to $18,000
90% refund up to $18,000
No coverage
Paid in Full
Paid in Full
Paid in Full
Paid in Full
| Routine maternity care | Silver | Gold | Platinum | Close Care |
|---|---|---|---|---|
Available once the mother has been covered by the policy for 12 months or more. Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details. | No coverage | $7,000 | $14,000 | No coverage |
| Complications from maternity | Silver | Gold | Platinum | Close Care |
Available once the mother has been covered by the policy for 12 months or more. Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details. | No coverage | $14,000 | $28,000 | No coverage |
| Homebirths | Silver | Gold | Platinum | Close Care |
Available once the mother has been covered by the policy for 12 months or more. Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details. | No coverage | $500 | $1,100 | No coverage |
| Newborn care | Silver | Gold | Platinum | Close Care |
The newborn may be required to be medically underwritten. Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details. | $25,000 | $75,000 | $156,000 | No coverage |
Available once the mother has been covered by the policy for 12 months or more.
Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details.
No coverage
$7,000
$14,000
No coverage
Available once the mother has been covered by the policy for 12 months or more.
Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details.
No coverage
$14,000
$28,000
No coverage
Available once the mother has been covered by the policy for 12 months or more.
Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details.
No coverage
$500
$1,100
No coverage
The newborn may be required to be medically underwritten.
Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details.
$25,000
$75,000
$156,000
No coverage
| Deductible | Silver | Gold | Platinum | Close Care |
|---|---|---|---|---|
A deductible is the amount which you must pay before any claims are covered by your plan. | $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 | $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 | $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 | $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 |
| Cost share after deductible | Silver | Gold | Platinum | Close Care |
Cost share is the percentage of each claim not covered by your plan. | Choose your cost share percentage: 0% / 10% / 20% / 30% | Choose your cost share percentage: 0% / 10% / 20% / 30% | Choose your cost share percentage: 0% / 10% / 20% / 30% | Choose your cost share percentage: 0% / 10% / 20% / 30% |
| Out of Pocket Maximum | Silver | Gold | Platinum | Close Care |
Next, choose your out of pocket maximum: $2,000 or $5,000 | Next, choose your out of pocket maximum: $2,000 or $5,000 | Next, choose your out of pocket maximum: $2,000 or $5,000 | Next, choose your out of pocket maximum: $2,000 or $5,000 |
A deductible is the amount which you must pay before any claims are covered by your plan.
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
Cost share is the percentage of each claim not covered by your plan.
Choose your cost share percentage: 0% / 10% / 20% / 30%
Choose your cost share percentage: 0% / 10% / 20% / 30%
Choose your cost share percentage: 0% / 10% / 20% / 30%
Choose your cost share percentage: 0% / 10% / 20% / 30%
Next, choose your out of pocket maximum: $2,000 or $5,000
Next, choose your out of pocket maximum: $2,000 or $5,000
Next, choose your out of pocket maximum: $2,000 or $5,000
Next, choose your out of pocket maximum: $2,000 or $5,000
Please note, the waiting periods for maternity related benefits listed in the above Product Brochure may be 12 or 24 months depending on your insurance entity. Please contact us for further details.
Our specialists are here to guide you through a personalised quote.
Call +44 (0) 1475 492 119 (877 539 6295 Inside US – Toll free). You can also request a callback or build your plan online.
Our multilingual team are available for you 24/7 and we will aim to answer your call within 20 seconds
Contact us via live chat, call us, email us, or request a call back
Wherever you are, we aim to process your guarantee of payment with an hour, and your claim within 5 working days
Tailor your cover to meet your needs, with 4 optional additional benefits to choose from
Our policies are flexible to suit your specific needs. We have experts available to talk you through the different options - we offer multilanguage assistance and they can be contacted by phone, email or we can arrange to call you back.
Please contact our Customer Care Team prior to treatment so we can point you in the right direction - we might be able to arrange direct payment with your provider. If you have paid for your treatment yourself, you can send your invoice and claim form to us. The easiest way to do this is via your secure online Customer Area.
We have an extensive medical network of over 1.65 million partnerships which you will have access to. Our network is comprised of trusted hospitals, clinics and doctors around the world.
We provide the same level of cover in your country of nationality for up to 180 days a year, giving you peace of mind when making those visits back home.
Cigna provides health insurance solutions for people in more than 200 countries and territories, catering for millions who have chosen to relocate to a new country.
Our medical network of 1.65 million hospitals and medical professionals across the world support a globally mobile population with plans that are flexible and can be tailored to suit your unique needs and budget.
