Cigna Global International Health Insurance

Who is Cigna Global

Cigna Global is part of The Cigna Group, a leading global health-services company that serves over 170 million customers and patients in more than 200 countries and territories. Headquartered in Bloomfield, Connecticut, the parent group operates worldwide with regional offices across Europe, Asia, the Middle East, and the Americas, and employs around 73’500 people.

Cigna Global specializes in international private medical insurance, offering flexible, modular plans designed for expatriates, globally mobile individuals, and high-net-worth individuals. Its proposition is distinguished by a strong global medical network, 24/7 multilingual customer service, commitment to comprehensive preventive care cover, and its strong proposition for those who wish to have USA cover included.

You already have cover in place? Let us optimize it.

We help you to get better service — or review your current international health insurance for gaps and optimization opportunities.

Advantages with Cigna Global

Clients decide to obtain global medical insurance with Cigna Global due to various reasons, including the below highlighted.

Customized insurance cover

Modular insurance cover structure, with separate inpatient and outpatient deductible to tailor your global insurance plan.

5-star reliability and trust

Long-term international health insurance provider with high-level customer service experience and sustainable long-term pricing.

Flexible payment options

Choose to pay by bank transfer, credit card, or direct debit with payment frequencies from monthly to annually.

Medical provider network

Large global network with hospitals, clinics and doctors to ease acceptance of insurance card and direct billing.

Preferred terms through SIP

With SIP as your Cigna Global broker, you benefit from additional cover free of charge, exclusive discounts, and priority service

24/7 support services

A customer service team that is available night and day 365 days per year. English is the main language, and other languages may be a benefit

Different area of cover options

Select the coverage area that suits your policy best. Worldwide, or worldwide excluding USA.

Online customer portal

Conveniently download your policy documents, submit claims, and manage your policy online.

Cigna Global’s International Private Medical Insurance Plans

The global medical insurance plans of Cigna global provide a modular set-up on three levels of cover, four optional modules, two areas of cover, and separation between a core module deductible that applies to high-risk, high-cost medical services and an outpatient deductible that applies to day-to-day healthcare services.

The modular set-up allows flexibility to tailor a cost-effective plan that suits your individual needs. After evaluating what cover you are looking for, we will quote the various plan options and present you with a comparison of insurance benefits and premiums.

Plan levels: Explore,
Plan levels: Silver, Gold, Platinum
Area of cover: Worldwide, worldwide excluding USA
Optional modules: Outpatient, Evacuation & Crisis Assistance Plus, Health & Wellbeing, Vision & Dental
Core deductible: Between USD 0 and USD 10’000
Outpatient deductible: Between USD 0 and USD 1’500

Whether you are looking for an insurance policy that is only covering catastrophic events such as hospitalizations or cancer treatments, or you are seeking most comprehensive international health insurance cover including preventive medicine allowances, Cigna’s plans allow to tailor the policy exactly to your demands and needs. The Cigna Global Platinum plan is especially well suited and popular with affluent families, international executives, and HNWIs, and anyone else who does not want to compromise when it comes to their healthcare.

Moving Abroad? Find the best health insurance.

Receive a transparent comparison of the benefits, premium, and service of the most reliable international health insurance plans.

Which application forms does Cigna Global offer?

Applying for international health insurance always requires an application form, a passport copy of all insured individuals, and proof of address (for example, a utility bill, a credit card statement, a letter from the authorities or similar that is not older than 3 months). The following application types are offered:

Full Medical Underwriting (FMU): requires applicants to complete a comprehensive medical questionnaire as part of their application. You are expected to disclose any past or present medical conditions, including those that have been formally diagnosed as well as symptoms that have not yet resulted in a diagnosis. Based on this information, the insurer will decide whether to approve the application without restrictions, exclude specific pre-existing conditions from coverage, or accept the condition with a premium loading to reflect the increased risk. FMU is often preferred by individuals who value transparency and want clarity about what is covered and what is not, right from the start of their policy.

Continuous Personal Medical Exclusion (CPME): is typically offered when you are transferring from one international health insurance company to another. This underwriting method seeks to maintain the same medical exclusions already applied to your existing policy. A medical questionnaire is mostly still required, but in a reduced format. CPME is especially useful for those who have already undergone FMU and wish to switch insurers without losing access to previously agreed terms. However, availability depends on the specific insurers involved and is not universally offered.