Choose Your Plan

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Close Care, Silver, Gold or Platinum? Start by choosing the best plan that’s right for you and your family’s needs.

Our international medical insurance provides cover for inpatient, day patient and accommodation costs, as well as cover for cancer, mental health and much more. Our Gold and Platinum plans also cover you for maternity inpatient and day patient care.

More info about the plans

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Clinical Case Management Programme

A unique service that uses a proactive and personalised approach to manage any complex health conditions you may have - giving you the full medical support you deserve.

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Customer brochures

Click on the link below to view our Silver, Gold, and Platinum brochure.

Silver, Gold, and Platinum brochure
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Customer brochures

Click on the link below to view our Close Care Brochure.

Close Care Brochure

Annual beneft - 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:

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

Hospital accommodation for a parent or guardian

Silver

  • $1,000

Gold

  • $1,000

Platinum

  • Paid in Full

Close Care

No coverage

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

No coverage

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

No coverage

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 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 care

Available once the mother has been covered by the policy for 12 months or more.

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.

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.

Silver

  • No coverage

Gold

  • $500

Platinum

  • $1,100

Close Care

  • No coverage

Newborn care

The newborn may be required to be medically underwritten.

Silver

  • $25,000

Gold

  • $75,000

Platinum

  • $156,000

Close Care

  • No coverage

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

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

  • 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, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit and you should refer to the Customer Guide for full benefit details. The benefits contained within the Benefit Table are applicable to annual policies commencing or renewing on or after 22nd October 2020. For annual policies commencing or renewing before 22nd October 2020 please refer to your policy documents for benefit details. The benefits described may be subject to change.

Prices are displayed in US Dollars (USD) only. Please refer to the Sales Brochure to see benefit limits displayed in EUR / GBP.

FAQs - Global Health Options

How do I know what plan to choose?

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.

Which hospitals can I use?

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.

How do I make a claim?

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.

Will your policy cover me back home?

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 protects over 95 million customers worldwide. Join them.

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