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Seniors Health Insurance
International Health Insurance for Seniors
- No upper age limit - applications welcomed regardless of age
- 60+ care support - help managing eligible pre-existing and chronic conditions
- Global healthcare network - worldwide provider network and 24/7 support
Get covered today and benefit from our 10%* discount*T&Cs apply
Finding the right health insurance plan can be an important part of living, working, or spending extended time abroad. Cigna Healthcare offers international health insurance for seniors with flexible coverage options, access to a global healthcare network, and support for eligible pre-existing conditions.
On this page, you'll find:
- What international health insurance for seniors includes
- The benefits and options available through international healthcare cover for people aged 60 and over
- How to choose a plan that suits your healthcare needs and circumstances
What is international health insurance for seniors?
International health insurance for seniors is healthcare coverage designed for people aged 60 and over who are living, working, travelling for extended periods, or relocating abroad. It helps provide access to healthcare in your chosen country of cover and can support your healthcare needs as they change over time.
Healthcare systems, costs and eligibility requirements vary around the world. Having international health insurance can help you access treatment where you live while giving you the flexibility to choose cover that suits your circumstances.
International medical insurance for seniors can help you access eligible care where you live, with flexible coverage options, support for eligible pre-existing conditions, and access to a global network of healthcare providers.
Our global medical insurance plans – your coverage at a glance
Cigna Global Health Options
High quality global care
Choose from two health plan options: Worldwide / Worldwide excluding US.
Customizable global health insurance
With three levels to choose from, four optional add-ons, and flexible payment options, you can build a tailored, personalized plan that works for your health needs.
Comprehensive cover
Access global healthcare insurance for inpatient, day-patient and emergency care. We also provide mental health care, pandemic cover and cancer care.
Build a plan to suit your needs and budget, choose between Silver, Gold or Platinum.
Silver
Annual maximum of $1,000,000 for inpatient and daypatient treatment.
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Private room
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Full cancer care up to $1,000,000
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Medical Imaging and scans up to $10,000
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Rehabilitation, including Physiotherapy, up to $5,000
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A&E Room Treatment up to $500
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No maternity cover
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No obesity treatment
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No infertility treatment
Gold
Annual maximum of $2,000,000 for inpatient and daypatient treatment.
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Private room
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Full cancer care up to $2,000,000
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Medical Imaging and scans up to $30,000
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Rehabilitation, including Physiotherapy up to $15,000
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A&E Room Treatment up to $1,000
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Routine Maternity up to $7,000
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Obesity surgery up to $20,000
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No infertility treatment
Platinum
Inpatient and daypatient treatment is Paid in Full.
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Private room
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Full cancer care
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Medical Imaging and scans Paid in Full
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Rehabilitation, including Physiotherapy Paid in Full
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A&E Room Treatment up to $2,000
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Routine Maternity up to $14,000
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Inpatient Maternity up to $14,000
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Obesity surgery up to $25,000
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Infertility treatment up to $10,000
Core cover: What’s included?
Every Cigna Global Health Options plan includes a range of core benefits designed to support eligible healthcare needs while living abroad. From hospital treatment and cancer care to 24/7 access to medical support, you'll have access to a range of benefits designed for life overseas.
Key benefits include:
- Global telehealth - Consult with a doctor by phone or video for non-emergency medical concerns, subject to service availability.
- Hospital stays and treatments - Cover for eligible inpatient treatment, accommodation, and rehabilitation services.
- Prescribed drugs and dressings - Cover for eligible medications and medical supplies used during treatment and recovery.
- Cancer care - Comprehensive support including screenings, diagnosis, treatment, rehabilitation, and prescribed medication.
Explore the full benefits available through our Senior Citizens Plan
Health and wellbeing benefits – at no extra cost
Looking after your health isn't just about treatment when you're unwell. That's why Cigna Global Health Options includes a range of health and wellbeing benefits designed to support your physical and mental wellbeing, helping you take a proactive approach to your health while living abroad.
- Preventative health checks - Cover for eligible annual health assessments, selected age-related cancer screenings and dietitian consultations, subject to plan terms and limits.
- Mental health support- Access wellbeing resources, cognitive behavioural therapy (CBT), mindfulness support, and up to 20 face-to-face counselling sessions.
- Wellness services - Access personalised health coaching and guidance, where available, to support your wellbeing goals.
Optional modules: what can I add?
There are also two optional add-ons you to choose from. See if they could be right for you, and we’ll help build your personalized international retiree health insurance plan.If you require urgent treatment that isn't available where you are, this optional module can help ensure you receive care at an appropriate medical facility.
- Emergency medical evacuation – Transport to an appropriate medical facility when eligible treatment cannot be accessed locally.
- Medical repatriation – Arrangements to return you to your home country when medically appropriate and covered under your plan.
- Compassionate visit benefits – Cover for eligible travel and accommodation costs when a close family member needs to visit you during a qualifying medical event*.
*For each beneficiary we will pay for up to 5 compassionate visits over the lifetime of the cover. Compassionate visits must be approved in advance by our medical assistance service.
We will pay the cost of economy class return travel for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness, if the beneficiary is in a different country and is anticipated to be hospitalised for 5 days or more, or has been given a short-term terminal prognosis.
We will also pay for living expenses incurred by a family member during a compassionate visit, for up to 10 days per visit while they are away from their country of habitual residence up to the limits shown in the list of benefits (subject to being provided with receipts in respect of the costs incurred).
Important note:
We will not pay for a compassionate visit when the beneficiary has been evacuated or repatriated. If an evacuation or repatriation takes place during a compassionate visit, we will not pay any further third party transportation costs.
International Vision & Dental is an optional module designed to help you manage the cost of routine and preventive care while living abroad. Adding this benefit to your plan can provide additional support for eye care, dental treatment, and oral health services that may not be included within your core cover.
- Routine eye examinations - Cover for eligible eye tests, helping you maintain your vision and eye health.
- Glasses and contact lenses - Contributions towards the cost of prescription glasses and corrective lenses.
- Routine and preventive dental care - Cover for eligible check-ups, hygiene treatments, and preventive dental procedures.
- Major dental treatment - Support for eligible restorative and specialist dental treatments when required.
Benefit from our 10% discount
You can benefit from a 10% discount on our customised Cigna Senior bundle, specially created for those aged 60 years and above*.
*Bundle consists of Cigna Global Health Options silver inpatient core cover, our optional outpatient cover including access to our complimentary Health and Wellbeing and a 10% discount applicable to your chosen plan.
Unsure which global health insurance plan best suits your needs?
If you have any questions about our global health insurance, don’t hesitate to reach out to us. Whether you’re planning a career move abroad, already live and work overseas, or regularly visit other countries for business, we’re here to help.
View our Plan Comparison [PDF] or call our expert sales team on one of these numbers.
Worldwide: + 44 (0)1475 492119 - Singapore: +65 3158 7581 - United States: 877.539.6295
How to create your policy
Step 1: Get started
Answer a few simple questions about yourself, your location, and your plans abroad. This helps tailor your quote and identifies cover options personal circumstances and requirements.
Step 2: Choose your plan
Review the available options and select the level of cover that suits your needs, budget, and destination. You can also tailor your plan with additional benefits to match your lifestyle.
Step 3: Start your cover
Once you’re happy with your selection, you can complete your application and receive your quote. Your cover can then begin, giving you a clear and consistent way to access healthcare abroad.
Our Customer Testimonial
Lynnette Mello
1 review US
★★★★★
The search for international health...
The search for international health insurance was rather daunting. After comparing many different options, CIGNA global appeared to be the best fit for my husband and I, as we are both retired and senior citizens. Our customer service representative was professional, patient, and very easy to talk to. We received prompt replies to every communication. I am very grateful for CIGNA and highly recommend it!
Date of experience: 15 November 2024
FAQs
International medical insurance for seniors can help provide access to healthcare while living abroad. Depending on your destination, you may not be eligible for public healthcare, and some countries may require proof of health insurance as part of residency or visa applications. International cover can help with eligible medical expenses, access to healthcare providers, and support for ongoing healthcare needs, giving you access to care in your country of residence.
While both types of cover are designed for people spending time outside their home country, they serve different purposes. Travel medical insurance is generally intended for short trips and temporary stays. International health insurance for seniors is designed for people living abroad for longer periods, helping provide ongoing access to healthcare and support in their country of residence. This may be particularly relevant for people over 60, over 65, or over 70 who are relocating overseas.
You may not always be legally required to have international medical insurance, but it can be an important consideration depending on your circumstances and destination. Healthcare systems, costs and eligibility requirements vary between countries. International medical insurance for seniors can help with eligible treatment costs and access to healthcare while living abroad, subject to your selected cover and policy terms.
The best medical insurance abroad for over 65 will depend on your healthcare needs, country of residence, and budget. When comparing plans, it is important to consider access to healthcare providers, support for eligible pre-existing conditions, levels of cover, and optional benefits. Cigna Healthcare offers international health insurance for senior citizens designed for people living or spending extended periods abroad.
When applying for international health insurance for seniors, you'll usually be asked to declare any pre-existing medical conditions. These may include conditions such as cancer, diabetes, epilepsy, asthma, sleep apnea, and certain mental health conditions but this is not an exhaustive list. You should provide complete and accurate information about your medical history when requested, including any conditions, symptoms, consultations, treatment or medication covered by the application questions.
Yes, you can apply for Cigna international health insurance if you are over 70, as there is no upper age limit for applications. Acceptance, available cover and premiums remain subject to eligibility, underwriting, local availability and policy terms.
Whether you wish to speak to our sales team or get general help if you are already a Cigna Healthcare® member, we’ll get you to the right information.
Contact Information© Cigna Healthcare. All rights reserved.
*Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.
This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.
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