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Hong Kong
Singapore
China
Dubai
Thailand
United Kingdom
Mexico
Cigna is a leading insurance provider for international health insurance, with comprehensive coverage and sizable benefits catered specifically to expats living abroad. With an extensive and globally interconnected medical network, Cigna can help you with your medical needs worldwide.
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In this Pacific Prime article, we will dive into the coverage and benefits of Cigna’s international health insurance plan, a flexible and expat-oriented insurance plan designed to meet all your needs. We’ll also detail top reasons expats need international health insurance and much more.
Why Expats Need International Health Insurance
International health insurance is crucial for securing medical coverage when you live in a foreign country. As an expat, you might not have access to public healthcare, which is why getting an international health insurance plan helps to bridge the gap between expats and their medical needs.
Also, some countries may require you to have an international health insurance plan to apply for your visa. Securing a plan will not only help in covering your medical needs but also in serving as a supporting requirement to start your expat journey.
Why Expats Should Choose Cigna
Cigna is a highly trusted and recognizable insurer with over 50 years of global experience. With an extensive international workforce, Cigna serves over 180 million clients from more than 200 countries and jurisdictions, offering global insurance solutions to access quality healthcare.
With Cigna’s extensive international medical network of nearly 1.7 million medical providers, Cigna provides you with limitless options for quality health care. Their network includes 175,000 mental and behavioral health services providers, and 14,000 facilities and clinics.
Overview of Cigna Expat Insurance
Cigna Global Health Insurance aims to assure access to the best doctors and medical facilities to provide expats with the healthcare services they need without needing to worry about inadequate service under the public healthcare system of the country of residence.
Cigna International Health Insurance: Coverage
From providing a wide range of standard coverage to offering an exhaustive list of options for add-ons, expats can enjoy comprehensive coverage while having the freedom to customize the plan to suit their healthcare needs and budget.
Cigna’s Standard Coverage
Here is a list of standard benefits included in all levels of coverage: Silver, Gold, and Platinum.
| Cigna Global Health Insurance | |||
| Level of Coverage | Silver | Gold | Platinum |
| Annual Overall Benefit Maximum | USD $1,000,000 | USD $2,000,000 | Paid in full* |
| Hospital charges for Inpatient & patient treatment | Paid in full (Private room) | ||
| Hospital accommodation for a parent or guardian | USD $1,000 | USD $1,000 | Paid in full |
| Pandemics, epidemics, and outbreaks of infectious illness | Paid in full | ||
| Inpatient cash benefit (Per night up to 30 days per beneficiary per period of cover) | USD $100 | USD $100 | USD $200 |
| Accident and Emergency Room Treatment (For necessary emergency treatment) | USD $500 | USD $1,000 | USD $1,200 |
| Transplant services | Paid in full | ||
| Advanced Medical Imaging as part of a treatment (MRI, CT, and PET scans) | USD $10,000 | USD $15,000 | Paid in full |
| Rehabilitation (Physiotherapy, occupational therapy, speech therapy, cardiac and pulmonary rehabilitation) | USD $5,000
Up to 30 days |
USD $10,000
Up to 60 days |
Paid in full
Up to 90 days |
| Home Nursing | USD $2,500
Up to 30 days |
USD $5,000
Up to 60 days |
Paid in full
Up to 120 days |
| Acupuncture and Chinese Medicine | USD $1,500 | USD $2,500 | Paid in full |
| Palliative care
– Home care – Inpatient and outpatient hospital care and treatment – And more |
USD $35,000 | USD $60,000 | Paid in full |
| Prosthetic devices | Paid in full | ||
| Local ambulance & air ambulance services | Paid in full | ||
| Treatment for obesity (2-year waiting period) | No Coverage | 70% refund
Up to USD $20,000 |
80% refund
Up to USD $25,000 |
| Congenital conditions | USD $5,000 | USD $20,000 | USD $39,000 |
| Out-of-Area Emergency Hospitalization Cover | USD $100,000 | USD $250,000 | Paid in full |
| Mental and Behavioral health care (As part of inpatient, day patient treatment) | USD $5,000
Up to 30 days |
USD $10,000
Up to 60 days |
Paid in full
Up to 90 days |
| Cancer preventive surgery | 70% refund
Up to USD $10,000 |
80% refund
Up to USD $18,000 |
90% refund
Up to USD $18,000 |
| Cancer care | Paid in full | ||
| Cancer-related appliances | USD $125
per lifetime |
||
*Paid in full = full coverage up to annual benefit overall maximum
*Premiums can also be paid and calculated with EURO (€) and GBP (£)
Optional Coverage
There are a total of four optional modules that customers can freely add to their plans according to individual needs to extend their insurance coverage. These options are international outpatient services, medical evacuation, health and wellbeing, and vision and dental.
International Outpatient
Expenses for outpatient services will be covered. This applies to medical services where hospital admission is not required. For example, consultations with general practitioners (GP) and specialists and prescribed drugs.
| International Outpatient (Optional Module) | |||
| Level of Coverage | Silver | Gold | Platinum |
| Annual Maximum | USD $15,000 | USD $35,000 | Paid in Full |
| Consultations with GP and Specialists | USD $2,500 | USD $5,000 | Paid in Full |
| Prescribed Drugs | USD $1,500 | USD $3,000 | Paid in Full |
| Outpatient Rehabilitation | USD $5,000 | USD $10,000 | Paid in Full |
| Prenatal and Postnatal Care | Not Covered | USD $3,500 | USD $7,000 |
| Adult Vaccinations | USD $250 | Paid in Full | |
Medical Evacuation
This is the coverage for emergency medical evacuation. Related costs such as compassionate visits, emergency transport to a medical center, and medical repatriation will be covered.
| Medical Evacuation (Optional Module) | |||
| Level of Coverage | Silver | Gold | Platinum |
| Annual Maximum | Paid in Full | ||
| Medical Evacuation | Paid in Full | ||
| Medical Repatriation | Paid in Full | ||
| Compassionate Visit – Travel Costs | USD $1,200 | ||
| Compassionate Visit – Living Allowance Costs | USD $155 | ||
Health and Wellbeing
This provides you with the tools for health management, such as routine physical examinations, preventative cancer screenings, and access to wellness coaches and emotional support workers to enhance physical and mental well-being.
| Health and Wellbeing (Optional Module) | |||
| Level of Coverage | Silver | Gold | Platinum |
| Mental and Behavioral Support | Paid in Full | ||
| Telephone Wellness Coaching | Paid in Full | ||
| Routine Physical Examination | USD $225 | USD $450 | USD $600 |
| Dietetic Consultations | Not Covered | Paid in Full | |
Vision and Dental
Dental coverage provides financial reimbursement for preventative, routine, and major dental treatments. Vision coverage, on the other hand, covers costs for routine eye examinations and glasses and lenses.
| Vision and Dental (Optional Module) | |||
| Level of Coverage | Silver | Gold | Platinum |
| Eye Test | USD $100 | USD $200 | Paid in Full |
| Glasses and Lenses | USD $155 | USD $310 | |
| Preventative Dental | Paid in Full | ||
| Routine Dental | 80% Refund | 90% Refund | Paid in Full |
| Major Restorative | 70% Refund | 80% Refund | Paid in Full |
| Orthodontic Treatment | 40% Refund | 50% Refund | |
Benefits of Cigna Expat Insurance
One reason Cigna is a highly preferred insurance provider is because of their quality of service. With year-round customer support to continuous coverage, expats can benefit from unparalleled perks as soon as they enrol in Cigna Global Health Insurance.
Here are some reasons why many expats use Cigna:
24/7 Customer Support
With their global operation, Cigna has insurance professionals to stand by and assist you no matter when and where you are. This gives you peace of mind knowing someone is always available to answer your call whenever you need hospitalization or to make a claim.
Continuous Coverage
As an expat abroad, you might need to travel back home or to other countries. Cigna Global Health Insurance continues to cover you during your period back home or in other countries, so you don’t have to worry about accessing medical care wherever you go.
Access to Online Resources
Cigna offers several online resources to support your wellbeing and healthcare needs, including your mental health. You can access their stress toolkit, online communities for peer support, and mobile applications to get expert assistance and emotional support at your fingertips.
Enrolling in Cigna Expat Insurance
Expats can enroll in an international health insurance plan with Cigna granted they meet the following requirements:
- Living overseas
- Over 18 years old but not exceeding 100
To enroll, contact Cigna directly, submit your application form along with required documents like identity proof, address proof, and medical history. It is important that you are truthful and transparent with your medical history as claims could be denied if issues are found.
Work With a Reputable Broker
Another way to enroll in Cigna’s international health insurance is to work with a trusted insurance broker such as Pacific Prime. By working with a broker, you enjoy a range of benefits at no extra costs.
You will receive unbiased advice and information as well as practical support when processing claims and negotiating with insurers. All these services come with no extra costs incurred to you.
Frequently Asked Questions
What does Cigna expat insurance cover?
Cigna expat insurance covers medical expenses, including doctor visits, hospitalization, prescriptions, and emergency care. It may also cover pre-existing conditions, preventive care, maternity care, and mental health services.
How much does Cigna expat insurance cost?
The cost of Cigna expat insurance varies based on factors like age, health condition, location, and coverage level. Premium rates, deductibles, copayments, and additional fees contribute to the overall cost. Contact Pacific Prime to compare and find the best deal for you!
Can I use Cigna Expat Insurance worldwide?
Cigna expat insurance can be used worldwide, offering coverage in multiple countries. It has a network of healthcare providers and hospitals, ensuring access to medical services while abroad.
Secure Your Cigna Insurance Plan with Us!
Ready to start your relocation journey? Have Pacific Prime assist you in getting an international insurance plan with Cigna!
Pacific Prime has 20+ years of experience in international health insurance, and we have partnered with the top insurance companies in the world to ensure you have adequate options for plans to meet your healthcare needs and budget for your expat journey.
Contact us today and get a FREE no-obligation quote and plan comparison.
Since joining Pacific Prime, Eric was exposed to a new world of insurance. Having learned about insurance products extensively, he has taken joy and satisfaction in helping individuals and businesses manage risks and protect themselves against financial loss through the power of words.
Although born and raised in Hong Kong, he spent a quarter of his life living and studying in the UK. He believes his multicultural experience is a great asset in understanding the needs and wants of expats and globe-trotters.
Eric’s strengths lie in his strong research, analytical, and communication skills, obtained through his BA in Linguistics from the University of York and MSc in Teaching English to Speakers of Other Languages (TESOL) from the University of Bristol.
Outside of work, he enjoys some me-time gaming and reading on his own, occasionally going absolutely mental on a night out with friends.
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