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
| Deductible | Cost Share | Out of Pocket Maximum | |
|---|---|---|---|
| International Medical Insurance | $0 $375 $750 $1,500 $3,000 $7,500 $10,000 | 0% 10% 20% 30% | $2,000 $5,000 |
| Area of Coverage | |
| Condition limit This is the annual amount we will pay towards all costs of treatment following the diagnosis of a condition. This includes all claims paid across inpatient, daypatient and outpatient in relation to the primary condition. This applies to each beneficiary per period of cover. | $250,000 |
| Out of area emergency cover Emergency inpatient, daypatient and outpatient medical treatment during temporary trips outside your country of habitual residence or country of nationality. This is limited to 21 days per trip and a maximum of 45 days per policy year. | $40,000 |
| Hospital charges | ✓ Semi-private room |
| Pandemics, epidemics and outbreaks of infectious illnesses | ✓ |
| Inpatient cash benefit | $100 per night up to 30 days |
| Intensive care | ✓ |
| Surgeons’ and Anaesthetists’ fees | ✓ |
| Specialists’ consultation fees | ✓ |
| Kidney Dialysis | $5,000 |
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) | ✓ |
| Advanced Medical Imaging (MRI, CT and PET scans) As part of inpatient, daypatient or outpatient treatment. | $2,500 |
| Physiotherapy and complementary therapies | $2,000 |
| Rehabilitation We will pay for: | $2,000 |
| Mental Health Care As part of inpatient, daypatient or outpatient treatment. We will pay for: | $3,000 |
| Cancer care | ✓ |
| Cancer related appliances Includes wigs / headbands and mastectomy bras for cancer patients | $125 per lifetime per cancer related appliance |
| Hospice and Palliative care | $2,500 |
| Internal prosthetic devices | ✓ |
| External prosthetic devices | $2,500 |
| Local ambulance services | ✓ |
| Emergency inpatient dental treatment | $2,500 |
| Medical Evacuation | $50,000 |
| Medical Repatriation | $100,000 |
| Repatriation of Mortal Remains | $25,000 |
| Global Telehealth | |
|---|---|
| Global Telehealth and Teladoc Video and phone doctor consultations via the Cigna Wellbeing App, or via a referral from our Customer Care team for non-emergency health issues. | Unlimited consultations |
Add-On Modules Schedule of Benefits
| Deductible | Cost Share | Out of Pocket Maximum | |
|---|---|---|---|
| International Outpatient | $0 $150 $500 $1,000 $1,500 | 0% 10% 20% 30% | $3,000 |
| Outpatient and Wellness Care | |
|---|---|
| Annual overall benefit maximum - per beneficiary per period of cover | $5,000 |
| Consultations with medical practitioners and specialists | $650 |
| Telehealth consultations Virtual doctor consultations with chosen healthcare provider. | $650 Combined benefit limit with the consultations with medical practitioners and specialists benefit. |
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) | $1,000 |
| Physiotherapy | $1,000 |
| Osteopathy and chiropractic treatment | $650 |
| Acupuncture and Chinese medicine | $650 |
| Prescribed drugs and dressings | $500 |
| Rental of durable medical equipment | $1,500 |
| Adult vaccinations | $250 |
| Dental accidents | $500 |
| Child wellbeing tests | $1,000 |
| Child immunizations | $1,000 |
| Annual eye and hearing test for children aged 15 and younger | ✓ |
| Routine adult physical examination | $225 |
| Life Management Assistance programm 24/7 access to counsellors for mental and behavioural health support. | Included |
| Telephonic Wellness Coaching Access to a personal wellness coach for lasting lifestyle changes. | Included |
| Cervical cancer screening | Per screening limit of $225 Combined aggregate limit of $400 |
| Cervical cancer screening | |
| Prostate cancer screening | |
| Breast cancer screening | |
| Bowel cancer screening | |
| Skin cancer screening | |
| Lung cancer screening | |
| Bone densitometry | |
| Dental Care and Treatment | |
|---|---|
| Annual overall benefit maximum - per beneficiary per period of cover | $750 |
| Preventative dental treatment (3 months waiting period) | ✓ |
| Routine dental treatment (3 months waiting period) | 80% refund per period of cover |
| Major restorative dental treatment (12 months waiting period) | 70% refund per period of cover |
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.
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 covers 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 per year.
If you are looking for an international health insurance plan offering comprehensive coverage worldwide, the Cigna Global Health plan is a better option.
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.
If you are not from the USA, or are not residing there but would like benefits in the USA, a global health insurance plan offering comprehensive coverage worldwide would be a better option. In that case, check out the Cigna Global Health plan.
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.
