Cigna Global is a highly reputable worldwide insurance provider that caters to individuals and families living abroad in more than 200 countries worldwide. Their mission is to help and improve the health, well-being, and sense of security of the people they serve.
Cigna International Health Insurance Plans are comprehensive, flexible, and designed to meet all your needs. The plans are customizable, allowing you to choose and only pay for the coverage you need.
The Cigna international health plan offers three levels of coverage: Cigna Silver, Cigna Gold, and Cigna Platinum. Each plan provides cover for inpatient and day-patient care with the option to add outpatient care and other elective modules. You can also choose your desired area of coverage.
With Cigna Global health benefits, you will gain access to the company’s vast international healthcare network of trusted hospitals, doctors, and other healthcare professionals. Cigna’s network is especially helpful if the local healthcare system in your residence country is too expensive or is known for providing inadequate service. Cigna Global’s customer relations team will help you find the best doctors and medical facilities to provide you with the healthcare you need and deserve.
Standard Benefits Included in All Plans
Here are just a few of the standard benefits included in Cigna Global’s three core plans, Silver, Gold, and Platinum.
Deductible Options
Members can choose a deductible and a cost-share option for their plan to adjust the cost of their premiums.
Area of Coverage
Members can choose between two coverage areas: Worldwide Coverage or Worldwide Coverage, Excluding the U.S.
Inpatient Care
Essential hospital stays and treatments, such as cancer care, are paid in full.
Mental Health Care
Treatment for mental health conditions, disorders, and addiction.
Global Health Assist
Cigna provides members with full medical support.
Online Customer Area
Access to a secure online customer area to handle your documents and claims.
How to Build Your Cigna International Plan
Creating a comprehensive, tailored plan with Cigna Global is simple.
- First, applicants choose from the Silver, Gold or Platinum plan level. The Cigna Silver plan has a benefit limit of $1,000,000, Gold has a $2,000,000 limit, and Platinum’s benefit limit is unlimited.
- Then they select their coverage location, either worldwide coverage including the U.S. or excluding the U.S. Members who exclude the U.S. can still receive limited emergency hospitalization benefits if they have a mishap while on a brief visit to that country.
- Next, they select any optional additional modules they would like to add to their plan, such as international outpatient, health and wellbeing and vision and dental. Each module has deductible options and a benefit maximum.
- Applicants can adjust their premiums with a wide range of deductibles and co-insurance options to suit their budgets. Choosing a higher deductible and co-insurance option will lower the premium amount, but out-of-pocket costs are higher until the deductible and/or co-insurance is reached.
- Finally, applicants choose whether they would like to pay their premium monthly, quarterly or annually. Cigna accepts payments through credit and debit cards or by bank wire transfer if paid annually. Customers who pay quarterly or annually have lower premiums than customers that pay monthly.
Cigna and Carrot – A Partnership that Enhances Health Services for Platinum Members
Cigna proudly announces a new partnership with Carrot, a global leader in fertility care. Cigna has designed this initiative to support Platinum plan members throughout their unique health journeys by providing comprehensive care and expert guidance at no additional cost.
Carrot goes beyond traditional fertility treatments, offering a wide range of support and services. This partnership tackles the complexities of fertility, family-building, and hormonal health, providing Platinum members with tailored, holistic support.
Key Benefits Include:
- Understanding Fertility Health: Includes fertility testing, ovulation tracking, and personalized insights into reproductive health.
- Preservation Options: Access to egg, sperm, and embryo freezing services.
- Assisted Reproduction: Expertise in in vitro fertilization and other assisted reproduction technologies.
- Family-Building Support: Guidance through adoption, gestational surrogacy, and donor assistance.
- Comprehensive Care: From pregnancy and postpartum support to navigating parenting challenges and return-to-work transitions.
- Menopause Management: Specialized care through perimenopause and menopause stages.
This enhanced health benefit is available to new and existing Platinum plan members at no additional cost. To benefit from this exceptional service, talk to one of our Sales Representatives today. Join Cigna’s new health benefit with Carrot and embark on your comprehensive journey to fertility and family-building support.
Need Coverage for Your Employees Abroad?
Cigna Global Health Benefits are available to employees worldwide. There are options for large organizations with more than 100 international employees as well as small teams working remotely worldwide. Request a quote, and one of our licensed group sales advisors will work with you to design a plan to your specifications.
Eligibility for Cigna Global Medical Insurance
The Cigna Global Health Benefits plan is available to all nationalities living abroad.
You are encouraged to apply regardless of your nationality, so long as you meet the minimum age requirement of 18 years old to purchase a Cigna International Health Plan.
There will be instances when countries might limit or restrict coverage due to local health care regulations. If you encounter this problem, we will recommend a suitable alternative plan.
Geographic Restrictions with Cigna Global Health Care
- Country Restrictions — Cigna cannot accept an address in Cuba, the Democratic Republic of the Congo, Iran, Israel, Libya, Sudan, or Syria.
- Destination Restrictions — Cigna cannot cover individuals residing in Afghanistan, Cuba, the Democratic Republic of the Congo, Guernsey, Hong Kong, Iran, Iraq, Lebanon, North Korea, Singapore, Sudan, or Syria.
- U.S. to U.S. Affiliated Country Restrictions — Cigna cannot cover U.S. citizens residing in Guam, Puerto Rico, U.S. Virgin Islands, Northern Mariana Islands, or any U.S. Minor Outlying Islands.
