Cigna Close Care Overview
Cigna Close Care is a focused expat health insurance plan that covers subscribers in the country they are living in and the country of their nationality. With this plan, you only pay for insurance in the areas that you spend time in. What if you want to take a trip to a third country? Cigna will take care of you with Out of Area Emergency Cover in the case of any misadventures.
This plan is highly customizable. Our team will help you develop the plan that is most suitable for your needs and your bank account.
Cigna Close Care is a focused expat health insurance plan that covers subscribers in the country they are living in and the country of their nationality. With this plan, you only pay for insurance in the areas that you spend time in. What if you want to take a trip to a third country? Cigna will take care of you with Out of Area Emergency Cover in the case of any misadventures.
This plan is highly customizable. Our team will help you develop the plan that is most suitable for your needs and your bank account.
Cigna Close Care Highlights
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Cigna Close Care Benefits
The core Cigna Close Care plan will cover you in the case of hospitalization. The plan also offers add-on modules for outpatient care and dental care. Talk to our advisors to determine the plan and add-on modules that are the best fit for your needs.
Review the Close Care brochure to learn the detailed benefits of the Close Care plan.
Core Plan Benefits and Add-On Modules
- Cigna Close Care offers coverage for inpatient and day-patient treatment to a maximum of $500,000 per year.
- Any specific condition will be treated to a maximum of $250,000 per year.
- If you have an emergency when traveling out of your coverage area, you are covered to a maximum of $40,000 per year.
- If you are diagnosed with cancer, your treatment will be paid in full up to the annual maximum.
- The optional Outpatient and Wellness module offers up to an additional $5,000 in coverage per year, including prescription medications, physiotherapy, acupuncture, chiropractic services, homeopathy, and more.
- The optional Dental module covers preventative, routine and major restorative dental treatment up to a $750 maximum per year.
Core Plan Schedule of Benefits
| The area of coverage is limited to your country of habitual residence and country of nationality. |
| USA coverage is included if the country of habitual residence is the USA. |
| USA nationals can choose to purchase USA coverage (if the policyholder does not elect to purchase USA coverage, then benefciaries do not have coverage on visits home). |
| USA area of coverage is not permitted if either of the options above do not apply. |
| This includes claims paid across all sections of inpatient and daypatient benefts. | $500,000 €400,000 £325,000 |
| A deductible is the amount which you must pay before any claims are covered by your plan. | $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 | €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400 | £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650 |
| Cost share is the percentage of each claim not covered by your plan. | 0% / 10% / 20% / 30% | $2,000 or $5,000 €1,480 or €3,700 £1,330 or £3,325 |
| This is the annual amount we will pay towards all costs of treatment following the diagnosis of a condition. | $250,000 €200,000 £165,000 |
Add-On Modules Schedule of Benefits
| Overall Limit, Deductible and Cost Share Options | ||||
|---|---|---|---|---|
| Annual Benefit | $5,000 €3,700 £3,325 | |||
| Deductible | $0 / $150 / $500 / $1,000 / $1,500 €0 / €110 / €370 / €700 / €1,100 £0 / £100 / £335 / £600 / £1,000 | |||
| Cost Share | Cost Share Percentage: 0% / 10% / 20% / 30% | Out-of-Pocket Maximum: $3,000 €2,200 £2,000 | ||
| Consultations with medical practitioners and specialists | $100 / €75 / £65 per visit. Up to 8 visits per year. |
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) | $1,000 €740 £665 |
| Physiotherapy | $1,000 €740 £665 |
| Osteopathy and chiropractic treatment | $100 / €75 / £65 per visit. Up to 8 visits per year. |
| Acupuncture, Homeopathy and Chinese medicine | $100 / €75 / £65 per visit. Up to 15 visits per year |
| Prescribed drugs and dressings | $500 €370 £330 |
| Rental of durable equipment Up to the maximum of 45 days per period of cover. | $1,500 €1,100 £1,000 |
| Adult vaccinations | $250 €185 £165 |
| Dental accidents | $500 €370 £330 |
| Well child tests | $1,000 €740 £665 |
| Child immunisations | $1,000 €740 £665 |
| Annual eye and hearing test for children aged 15 and younger | Paid in full |
| Routine adult physical examination | $100 €75 £65 |
| Preventative Screening | Combined aggregate limit of: $400 €300 £260 |
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
How Cigna Calculates Close Care Rates
Cigna Close Care determines your premium based on several factors, including your age, your locations of coverage and any add-on modules you choose to incorporate into your plan.
You can manage the premium rate by selecting a deductible or a cost-share option, which will lower your monthly or annual costs. Deductibles and cost-share options are recommended for individuals and families that want to save more money every month. Your out-of-pocket costs will be higher, but your premium will be lower.
Close Care Eligibility
Cigna Close Care is available to any member around the globe who is 18 or older and only needs coverage in their country of residence and for visits to their country of nationality.
If you have pre-existing conditions, they will not be covered by the Cigna Close Care plan.
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
Cigna Close Care FAQs
The cost of a Cigna Close Care health insurance plan starts at as little as $32.69 per month. The average cost of a plan will typically hover around $250 per month but the price can vary greatly depending on your age, your citizenship, and where you will be living. For most clients, the cost ranges between $3,000 to $5,000 per year.
One great feature of the Cigna Close Care plan is that you can adjust your deductible and cost-share to keep the cost low. You can also add features and benefits in exchange for an additional premium. To determine how much a plan will cost you and your family, click here for a free quote.
The Close Care plan provides coverage in your country of origin and your home country. It also provides limited emergency coverage if you are traveling to other countries. Emergency travel coverage is offered for a maximum of 21 days per trip and 45 days total per year.
If your country of nationality or your country of residence is the United States, then Close Care will provide coverage for you in the United States.
US citizens may opt out of US coverage. However, if you do opt out of US coverage you will not receive emergency coverage in the US.
The Close Care plan does not offer maternity coverage. If you believe you will require maternity coverage, we would suggest the Cigna Global plan.
The Close Care plan does not offer emergency evacuation. If you want to ensure that you have emergency evacuation coverage, we would suggest the Cigna Global plan.
The Close Care plan does not cover pre-existing conditions. If you need a plan that may cover your pre-existing condition, we would suggest the Cigna Global plan.
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
