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.
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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.
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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.
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What are the benefits of having SIP as your Cigna Global broker?
As an independent insurance broker, we work with more than 20 international health insurance companies. As insurance professionals, we represent the interest of private and corporate clients towards the insurance company.
With us as your advisor, you benefit from optional cover at no extra cost, negotiated premium discounts, support with claims and guarantee of payment requests, as well as annual renewal offer reviews and negotiations.
Cigna Global FAQs
No. You can apply for international medical insurance cover with Cigna Global at any age. However, you will need to complete a medical declaration and pre-existing medical conditions may be excluded.
The insurance plans of Cigna Global are primarily available to expats and global citizens. Your nationality must differ from your country of residence. However, Cigna offers their plans to local nationals in some countries, including Romania, Malta, United Kingdom, or Greece.
Yes. No matter where you are resident, you can electively include USA cover to the area of coverage of your plan. You can also take out a Cigna Global policy when being resident in the USA.
Cigna Healthguard is a sister company of Cigna Global and provides international private medical insurance for residents in the UAE.
Professional athletes can take out an insurance plan with Cigna Global, but will not be insured for any illness or accidents related to their professional activity. Professional athletes should take out an international insurance plan that is especially designed for athletes.
With Cigna Global, you can select a deductible and co-insurance that applies to all medical services covered under the core module. Separately, you can select a deductible and co-insurance that applies to the optional outpatient module.
Yes. As an important partner of Cigna Global, we can negotiate premium discounts for you and sometimes even negotiate extra cover at no additional cost.
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As an independent advisor we always perform a personalized full market review before advising you on the best international private medical insurance. You will also benefit from our lifetime policy administration service that includes hands-off claims management, annual review of your coverage, and much more.
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