A Guide to Cigna Global Health Insurance Plans
Key Takeaways
- Cigna Global provides health insurance for people living abroad. Plans support individuals and families seeking medical coverage within their selected coverage area.
- Coverage can be tailored to your needs and budget. Choose from plan tiers, optional benefits, deductibles, and cost-sharing options.
- Cigna offers global and geographically focused options. Global plans offer worldwide coverage with or without the U.S.; Close Care focuses on residence and nationality countries.
- Members have access to international providers and 24/7 support. The online Customer Area helps you find healthcare providers, access policy documents, and manage claims.
Cigna Global Overview
Cigna Global has a 230+ year illustrious history and has provided international health insurance for decades. Today, it has over 180 million customer relationships worldwide. Its global workforce of 70,000+ people, along with over 2 million relationships with healthcare providers, clinics, facilities, and customer service teams worldwide, supports them.
You may already know Cigna’s health insurance from your home country, but domestic plans typically cover you only within that country’s borders. Cigna Healthcare Global Individual Health is designed for people living or working abroad who need coverage that travels with them. It can serve as your primary health plan overseas, providing comprehensive medical protection within your chosen coverage area and supporting you wherever you live, work, or travel.
Cigna Global Insurance Company Limited holds an A (Excellent) financial strength rating from AM Best, affirmed in March 2026 with a stable outlook.
Why Choose Cigna Global?
Our customers choose Cigna because it provides all of the following:
2025 Health & Protection Awards Recipient
Cigna Global was awarded Best International Individual Health Insurance Provider at the 2025 Health & Protection Awards.
Provider Network
Access to an extensive network of trusted hospitals and physicians.
24/7 Member Support
Ensure their Customer Care Team is always available to speak with you 24/7
Customize Your Plan
Flexibility to tailor a cost-effective plan to suit their individual needs.
What Health Insurance Plans Does Cigna Global Offer?
Cigna offers three Global Health Options tiers, Platinum, Gold, and Silver, with worldwide coverage that can include or exclude the U.S.
Close Care provides more focused coverage in your country of residence and country of nationality, subject to policy terms.
Compare coverage areas, benefit limits, and optional benefits below to find a plan that fits your healthcare needs and budget.
Feature | Platinum | Gold | Silver | Close Care |
Coverage area | Worldwide, including or excluding the U.S. | Worldwide, including or excluding the U.S. | Worldwide, including or excluding the U.S. | Country of residence and country of nationality, subject to eligibility and visit limits |
Annual medical benefit maximum | Unlimited | $2,000,000 | $1,000,000 | $500,000, with a $250,000 limit per condition |
Hospital accommodation | Private room | Private room | Private room | Semi-private room |
Inpatient and daypatient care | Included | Included | Included | Included |
Routine maternity benefits | Up to $14,000 | Up to $7,000 | Not included | Not included |
Broader outpatient coverage | Optional module | Optional module | Optional module | Optional Outpatient and Wellness module |
Vision & Dental coverage | Optional Vision and Dental module | Optional Vision and Dental module | Optional Vision and Dental module | Optional Dental Care and Treatment module |
Customization | Optional benefits, deductible, and cost sharing | Optional benefits, deductible, and cost sharing | Optional benefits, deductible, and cost sharing | Optional benefits, deductible, and cost sharing |
Cigna Global Insurance Plan: Platinum, Gold, & Silver
The Cigna Global Insurance Plan allows you to tailor the plan to your needs. With multiple plan tiers, add-on modules, and deductible and cost share options, you can perfectly balance your needs with your premium costs. This plan also provides access to Cigna’s international network of over 2.2 million relationships with healthcare providers, clinics, and facilities.
worldwide protection
Cigna Global Healthcare
- Customizable worldwide coverage
- Optional U.S. care access
- Over 2.2 million relationships with healthcare providers, clinics, and facilities
Cigna Close Care Plan
The Cigna Close Care plan allows you to create a tightly focused plan with coverage only for your country of residence and nationality. The plan also includes emergency coverage if you require care in a third country. It offers various deductibles and cost-share options to tailor your plan to your needs.
regional health plan
Cigna Close Care
- Local and home-country coverage
- Cost-effective regional plan
- Ideal for long-term expats
How Do You Find Healthcare Providers in Cigna’s Global Network?
Cigna Global’s network of over 2.2 million relationships with healthcare providers, clinics, and facilities provides individuals working outside their home country with access to global health coverage. This wide-ranging global network comprises providers in over 200 countries and jurisdictions, and a service team that speaks more than 170 languages.
In most cases, Cigna will cover the treatment costs incurred and paid by your hospital, clinic, or doctor. All beneficiaries are responsible for paying any deductible or cost share directly to the medical provider during treatment. If you seek treatment from an out-of-network provider in the U.S. without prior authorization, Cigna may reduce the amount it pays by 20%.
For the best experience, please contact the Cigna Customer Care team before treatment. You can contact them 24 hours a day via live chat in your secure online customer portal, by phone, or by email.
Areas of Coverage
The Cigna Global Health Insurance Plan offers two coverage options: worldwide, including the USA, and worldwide excluding the USA. If you choose worldwide, including the USA, you can receive treatment anywhere. If you choose worldwide (excluding the USA), you can receive treatment anywhere except in the USA.
Emergency Cover
For additional peace of mind, all of the Cigna international plans include emergency short-term medical coverage when visiting a location outside your selected area of coverage. If you purchase the Worldwide option excluding the USA, you will still be covered for emergency treatment on an inpatient or day-patient basis during short trips to the USA. You will also be covered on an outpatient basis if you have purchased the International Outpatient additional coverage option.
Coverage is limited to a maximum of 3 weeks per trip and 60 days per period of cover for all trips combined. Please review your policy documentation for the full terms and conditions of this benefit.
Find a Provider
To find a provider, log into your online Customer Area to search the Cigna global network of international hospitals, clinics, and doctors. Enter your postcode or zip code, specify the distance you are willing to travel, and it will list the medical experts in your area. Alternatively, call the Cigna Customer Care Team, and they will assist you in finding a provider. With over 2.2 million providers in Cigna’s international network, you should be able to find one that suits your needs.
How Can You Manage Your Cigna Policy and Get Support?
Cigna Global Health Insurance offers world-class customer service to globally mobile customers. Their multilingual associates are available 24 hours a day, 7 days a week, 365 days a year to assist with everything from medical emergencies to benefit verification. You can also find what you need online in your Cigna Global customer area.
Cigna Global is one of the largest providers of international health insurance and expatriate medical services worldwide. Clients living abroad benefit from its extensive network of doctors, deep financial resources, long history of service, and focus on customer care.
What’s in the Cigna Global Customer Area?
In the Cigna Global customer area, you will find a lot of helpful information about your healthcare plan, including:
- Your policy documents
- Claim forms – more details about claims can be found here
- Medical, travel, safety, and cultural information
- How to access hospitals, physicians, clinics, and health and wellness specialists
- Online health program (if you have bought the International Health & Wellbeing option)
Cigna Global Customer Care Contact Information
Cigna Global Customer Care and Claims
Email: cignaglobal_customer.care@cigna.com
Cigna International Phone Numbers:
New Sales: US: 877-758-4881 – International +1 617-500-6738
Customer Care: +44 (0) 1475 788182, or toll-free from inside the US on 1 800 835 7677
Call Collect / Reverse Charges: Call will be accepted by Cigna
Hong Kong – Phone: 2297 5210
Singapore – Phone: 800 1865047
Cigna Global FAQs
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Cigna Global offers the Cigna Global Medical Insurance plan, with no age limit for applicants or current subscribers. You may apply for coverage at any age and remain on the policy for life.
Getting international medical insurance from Cigna is possible if you are a senior citizen.
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Cigna Global is for expats and any applicant living abroad for six months or more per year. So any individual living abroad may be eligible to apply, regardless of your status. The plan also provides coverage in your country of nationality for up to 180 days per year.
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International medical insurance provides cover for inpatient, day patient, and accommodation costs, as well as coverage for cancer, mental health, and much more. Our Gold and Platinum plans also cover you for maternity inpatient and day patient care.