International Health Insurance Plans
female doctor discussing with patient

International Health Insurance

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.

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All plans include the following as standard:

Medical essentials

Essential hospital stays and treatments, including: surgeons and specialist consultation fees, hospital accommodation, nursing and medicines

Flexible plans

The flexibility to choose an area of coverage that suits your circumstances, and deductible and cost share options that suit your budget

Tailored medical support

Access to support from Cigna doctors and nurses through our Clinical Case Management programme

Cigna core plans

Silver

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

Gold

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

Platinum

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

International Health Plans details

Annual benefit - maximum per beneficiary per period of coverSilverGoldPlatinumClose Care

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

$1,000,000

$2,000,000

Paid in full

$500,000

Annual benefit - maximum per beneficiary per period of cover

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

Silver
  • $1,000,000

Gold
  • $2,000,000

Platinum
  • Paid in full

Close Care
  • $500,000

Hospital charges for:SilverGoldPlatinumClose Care

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

Hospital accommodation for a parent or guardianSilverGoldPlatinumClose Care

$1,000

$1,000

Paid in Full

No coverage

Pandemics, epidemics and outbreaks of infectious illnessesSilverGoldPlatinumClose Care

Paid in full

Paid in full

Paid in full

Paid in full

Inpatient cash benefitSilverGoldPlatinumClose Care

Per night up to 30 days per beneficiary per period of cover.

$100

$100

$200

No coverage

Accident and Emergency Room treatmentSilverGoldPlatinumClose Care

For necessary emergency treatment.

$500

$1,000

$1,200

No coverage

Transplant servicesSilverGoldPlatinumClose Care

Paid in Full

Paid in Full

Paid in Full

No coverage

Advanced Medical Imaging (MRI, CT and PET scans)SilverGoldPlatinumClose Care

As part of inpatient, daypatient or outpatient treatment.

$10,000

$15,000

Paid in Full

$2,500

RehabilitationSilverGoldPlatinumClose Care

We will pay for:

  • Physiotherapy;
  • Occupational therapy;
  • Cognitive and speech therapies;
  • Cardiac and pulmonary rehabilitation.

$5,000
Up to 30 days

$10,000
Up to 60 days

Paid in Full
Up to 90 days

$2,000

Home nursingSilverGoldPlatinumClose Care

$2,500
Up to 30 days

$5,000
Up to 60 days

Paid in Full
Up to 120 days

No coverage

Acupuncture and Chinese MedicineSilverGoldPlatinumClose Care

$1,500

$2,500

Paid in Full

Physiotherapy and complementary therapies: $2,000

Palliative careSilverGoldPlatinumClose Care

We will pay for:

  • Home care;
  • Inpatient and daypatient hospital or hospice care and accommodation;
  • Prescribed medicines; and
  • Physical and psychological care.

$35,000

$60,000

Paid in Full

Hospice and palliative care: $2,500

Prosthetic devicesSilverGoldPlatinumClose Care

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

Local ambulance & air ambulance servicesSilverGoldPlatinumClose Care

Paid in Full

Paid in Full

Paid in Full

Paid in Full (road only)

Treatment for obesitySilverGoldPlatinumClose 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 conditionsSilverGoldPlatinumClose Care

$5,000

$20,000

$39,000

No coverage

Out of Area Emergency Hospitalisation CoverSilverGoldPlatinumClose 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

Hospital charges for:

    Inpatient & daypatient treatment.

Silver
  • Paid in full
    Private room

Gold
  • Paid in full
    Private room

Platinum
  • Paid in full
    Private room

Close Care
  • Paid in full
    Semi-private room
    Kidney dialysis: $5,000
    Emergency inpatient dental treatment: $2,500

Hospital accommodation for a parent or guardian
    Silver
    • $1,000

    Gold
    • $1,000

    Platinum
    • Paid in Full

    Close Care
    • No coverage

    Pandemics, epidemics and outbreaks of infectious illnesses
      Silver
      • Paid in full

      Gold
      • Paid in full

      Platinum
      • Paid in full

      Close Care
      • Paid in full

      Inpatient cash benefit

        Per night up to 30 days per beneficiary per period of cover.

      Silver
      • $100

      Gold
      • $100

      Platinum
      • $200

      Close Care
      • No coverage

      Accident and Emergency Room treatment

        For necessary emergency treatment.

      Silver
      • $500

      Gold
      • $1,000

      Platinum
      • $1,200

      Close Care
      • No coverage

      Transplant services
        Silver
        • Paid in Full

        Gold
        • Paid in Full

        Platinum
        • Paid in Full

        Close Care
        • No coverage

        Advanced Medical Imaging (MRI, CT and PET scans)

          As part of inpatient, daypatient or outpatient treatment.

        Silver
        • $10,000

        Gold
        • $15,000

        Platinum
        • Paid in Full

        Close Care
        • $2,500

        Rehabilitation

          We will pay for:

          • Physiotherapy;
          • Occupational therapy;
          • Cognitive and speech therapies;
          • Cardiac and pulmonary rehabilitation.

        Silver
        • $5,000
          Up to 30 days

        Gold
        • $10,000
          Up to 60 days

        Platinum
        • Paid in Full
          Up to 90 days

        Close Care
        • $2,000

        Home nursing
          Silver
          • $2,500
            Up to 30 days

          Gold
          • $5,000
            Up to 60 days

          Platinum
          • Paid in Full
            Up to 120 days

          Close Care
          • No coverage

          Acupuncture and Chinese Medicine
            Silver
            • $1,500

            Gold
            • $2,500

            Platinum
            • Paid in Full

            Close Care
            • Physiotherapy and complementary therapies: $2,000

            Palliative care

              We will pay for:

              • Home care;
              • Inpatient and daypatient hospital or hospice care and accommodation;
              • Prescribed medicines; and
              • Physical and psychological care.

            Silver
            • $35,000

            Gold
            • $60,000

            Platinum
            • Paid in Full

            Close Care
            • Hospice and palliative care: $2,500

            Prosthetic devices
              Silver
              • Paid in Full

              Gold
              • Paid in Full

              Platinum
              • Paid in Full

              Close Care
              • Internal prosthetic devices/surgical and medical appliances:
                Paid in full

                External prosthetic devices/surgical and medical appliances:
                $2,500

              Local ambulance & air ambulance services
                Silver
                • Paid in Full

                Gold
                • Paid in Full

                Platinum
                • Paid in Full

                Close Care
                • Paid in Full (road only)

                Treatment for obesity

                  Available once the beneficiary has been covered for 24 months.

                Silver
                • No coverage

                Gold
                • 70% refund up to $20,000

                Platinum
                • 80% refund up to $25,000

                Close Care
                • No coverage

                Congenital conditions
                  Silver
                  • $5,000

                  Gold
                  • $20,000

                  Platinum
                  • $39,000

                  Close Care
                  • No coverage

                  Out of Area Emergency Hospitalisation Cover

                    For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs.

                  Silver
                  • $100,000

                  Gold
                  • $250,000

                  Platinum
                  • Paid in Full

                  Close Care
                  • $40,000

                  Mental and behavioural health careSilverGoldPlatinumClose Care

                  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.

                  Mental and behavioural health care

                    As part of inpatient, daypatient or outpatient treatment.

                  Silver
                  • $5,000
                    Up to 30 days (Inpatient and Daypatient treatment)

                  Gold
                  • $10,000
                    Up to 60 days (Inpatient and Daypatient treatment)

                  Platinum
                  • Paid in Full
                    Up to 90 days (Inpatient and Daypatient treatment)

                  Close Care
                  • $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 surgerySilverGoldPlatinumClose Care

                  70% refund up to $10,000

                  80% refund up to $18,000

                  90% refund up to $18,000

                  No coverage

                  Cancer careSilverGoldPlatinumClose Care

                  Paid in Full

                  Paid in Full

                  Paid in Full

                  Paid in Full

                  Cancer preventative surgery
                    Silver
                    • 70% refund up to $10,000

                    Gold
                    • 80% refund up to $18,000

                    Platinum
                    • 90% refund up to $18,000

                    Close Care
                    • No coverage

                    Cancer care
                      Silver
                      • Paid in Full

                      Gold
                      • Paid in Full

                      Platinum
                      • Paid in Full

                      Close Care
                      • Paid in Full

                      Routine maternity careSilverGoldPlatinumClose 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 maternitySilverGoldPlatinumClose 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

                      HomebirthsSilverGoldPlatinumClose 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 careSilverGoldPlatinumClose 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

                      Routine maternity 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.

                      Silver
                      • No coverage

                      Gold
                      • $7,000

                      Platinum
                      • $14,000

                      Close Care
                      • No coverage

                      Complications from maternity

                        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.

                      Silver
                      • No coverage

                      Gold
                      • $14,000

                      Platinum
                      • $28,000

                      Close Care
                      • No coverage

                      Homebirths

                        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.

                      Silver
                      • No coverage

                      Gold
                      • $500

                      Platinum
                      • $1,100

                      Close Care
                      • No coverage

                      Newborn 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.

                      Silver
                      • $25,000

                      Gold
                      • $75,000

                      Platinum
                      • $156,000

                      Close Care
                      • No coverage

                      DeductibleSilverGoldPlatinumClose 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 deductibleSilverGoldPlatinumClose 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 MaximumSilverGoldPlatinumClose 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

                      Deductible

                        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

                      Gold
                      • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000

                      Platinum
                      • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000

                      Close Care
                      • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000

                      Cost share after deductible

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

                      Silver
                      • Choose your cost share percentage: 0% / 10% / 20% / 30%

                      Gold
                      • Choose your cost share percentage: 0% / 10% / 20% / 30%

                      Platinum
                      • Choose your cost share percentage: 0% / 10% / 20% / 30%

                      Close Care
                      • Choose your cost share percentage: 0% / 10% / 20% / 30%

                      Out of Pocket Maximum
                        Silver
                        • Next, choose your out of pocket maximum: $2,000 or $5,000

                        Gold
                        • Next, choose your out of pocket maximum: $2,000 or $5,000

                        Platinum
                        • Next, choose your out of pocket maximum: $2,000 or $5,000

                        Close Care
                        • 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.

                        Ready to choose your plan?

                        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.

                        Ready when you are

                        Our multilingual team are available for you 24/7 and we will aim to answer your call within 20 seconds

                        Here for you

                        Contact us via live chat, call us, email us, or request a call back

                        Serving you globally

                        Wherever you are, we aim to process your guarantee of payment with an hour, and your claim within 5 working days

                        Truly flexible

                        Tailor your cover to meet your needs, with 4 optional additional benefits to choose from

                        FAQs - Global Health Options

                        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.

                        Why Cigna?

                        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.

                        familly sitting in terrace