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Home > Global Insurance Companies > Cigna > Cigna Global Health Plan

Cigna Global Health Plan

Expat family insured by Cigna Global living and working abroadCigna International Insurance

Cigna Global provides peace of mind to individuals and families living abroad in more than 200 countries worldwide. Their mission is to help and improve the health, wellbeing, and sense of security of the people they serve.

Cigna international health insurance plans are comprehensive and tailored to meet all of your needs. The plans are flexible and allow expatriates to choose and only pay for the coverage they need. The Cigna international medical plans offer three levels of coverage, Cigna Silver, Cigna Gold, and Cigna Platinum. Each plan includes inpatient and day-patient care with the option to add outpatient care and other optional modules. Also, Expatriates can choose their desired area of coverage.

With Cigna Global Health Benefits, you will have access to their international healthcare network of trusted hospitals, doctors, and other healthcare professionals. Lastly, Cigna's network is especially helpful if the local healthcare system in your residence country is too expensive or provides improper service. Their team will help you find the best doctors and medical facilities to provide you with the healthcare you need and deserve.

Standard Benefits Included in All Plans

Cigna Global's three core plans, Silver, Gold, and Platinum, have standard benefits included in each.

Inpatient Care

Essential hospital stays and treatments paid in full, such as cancer care.

Deductibles

Members can choose a deductible and a cost-share option to their plan. 

Area of Coverage

Choice of Worldwide Coverage or Worldwide Coverage, Excluding the U.S.

Cigna Health Programs

Cigna's Global Health Assist program provides members with full medical support.

Mental Health Care

Treatment for mental health conditions, disorders, and addiction.

Online Customer Area

Access to a secure online customer area to handle your documents and claims.

Interested in purchasing a Cigna Global Healthcare Plan?

Start building your International Health Insurance plan today!

Get a Free Quote

How to Build Your Cigna International Plan

Creating a comprehensive, tailored plan with Cigna Global is simple. Follow the steps below to find out how Cigna's international health care work.

  • Select Your Plan

  • Add Optional Modules

  • Manage Your Premium

  • Manage Your Payment Options

You have three plans to choose from:

Silver Plan

Benefit Limit: $1,000,000

  • Inpatient and day-patient care
  • Cover for a semi-private hospital room
  • Cancer care paid in full
  • Newborn care up to $25,000
Read Plan Highlights
Gold Plan

Benefit Limit: $2,000,000

  • Inpatient and day-patient care
  • Cover for a private hospital room
  • Cancer care paid in full
  • Inpatient maternity up to $7,000
  • Access to Cigna's Safe Travel app
Read Plan Highlights
Platinum Plan

Benefit Limit: Unlimited

  • Inpatient and day-patient care
  • Cover for a private hospital room
  • Cancer care paid in full
  • Inpatient maternity up to $14,000
  • Mental health care paid in full
  • Access to Cigna's Safe Travel app
Read Plan Highlights

You can select to have your plan in another language other than English:

russia flag
germany flag
spain flag
france flag

You have two areas of coverage to choose from:

Worldwide Excluding the U.S. or Worldwide Including the U.S.

You have three currencies to choose from:

USD
GBP
EUR

Outpatient
Cigna's optional Outpatient coverage provides cover for consultation fees with specialists and medical professionals, prescription drugs and dressings, chiropractic care, and more.

Medical Evacuation
Medical Evacuation coverage provides cover for transportation costs for emergency medical treatment, repatriation, and compassionate visits for the family members of a beneficiary.

Health & Wellbeing
Optional Health and Wellbeing coverage provides cover for screenings, tests, examinations, and counseling support for a range of conditions. It also includes advice and support through Cigna's online health risk assessment. 

Vision & Dental
Vision care provides coverage for the beneficiary's routine eye examination and the cost for spectacles and lenses. Dental care provides cover for preventative, routine, and major restorative dental treatments.

Deductible Options

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

Cost Share Options

The percentage of each claim not covered by your plan.

Choose a cost-share option: 0%, 10%, 20%, or 30%
Choose an out-of-pocket maximum: $2,000 or $5,000

Payment Plan

Cigna members can pay monthly, quarterly, or annually.

Cigna Global accepts all major debit and credit cards such as MasterCard and Visa. If you choose to pay annually, you will receive a discount and can opt to pay by bank wire transfer.

Select Your Plan

You have three plans to choose from:

Silver Plan

Benefit Limit: $1,000,000

  • Inpatient and day-patient care
  • Cover for a semi-private hospital room
  • Cancer care paid in full
  • Newborn care up to $25,000
Read Plan Highlights
Gold Plan

Benefit Limit: $2,000,000

  • Inpatient and day-patient care
  • Cover for a private hospital room
  • Cancer care paid in full
  • Inpatient maternity up to $7,000
  • Access to Cigna's Safe Travel app
Read Plan Highlights
Platinum Plan

Benefit Limit: Unlimited

  • Inpatient and day-patient care
  • Cover for a private hospital room
  • Cancer care paid in full
  • Inpatient maternity up to $14,000
  • Mental health care paid in full
  • Access to Cigna's Safe Travel app
Read Plan Highlights

You can select to have your plan in another language other than English:

russia flag
germany flag
spain flag
france flag

You have two areas of coverage to choose from:

Worldwide Excluding the U.S. or Worldwide Including the U.S.

You have three currencies to choose from:

USD
GBP
EUR

Add Optional Modules

Outpatient

Cigna's optional Outpatient coverage provides cover for consultation fees with specialists and medical professionals, prescription drugs and dressings, chiropractic care, and more.

Medical Evacuation

Medical Evacuation coverage provides cover for transportation costs for emergency medical treatment, repatriation, and compassionate visits for the family members of a beneficiary.

Health & Wellbeing

Optional Health and Wellbeing coverage provides cover for screenings, tests, examinations, and counseling support for a range of conditions. It also includes advice and support through Cigna's online health risk assessment. 

Vision & Dental

Vision care provides coverage for the beneficiary's routine eye examination and the cost for spectacles and lenses. Dental care provides cover for preventative, routine, and major restorative dental treatments.

Manage Your Premium

Deductible Options

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

Cost Share Options

The percentage of each claim not covered by your plan.

Choose a cost-share option: 0%, 10%, 20%, or 30%
Choose an out-of-pocket maximum: $2,000 or $5,000

Manage Your Payment Options

Payment Plan

Cigna members can pay monthly, quarterly, or annually.

Cigna Global accepts all major debit and credit cards such as MasterCard and Visa. If you choose to pay annually, you will receive a discount and can opt to pay by bank wire transfer.

Cigna Global Health Benefits and Coverage

Overall Plan Limits

Silver
Gold
Platinum
Annual overall benefit maximum - per beneficiary per period of cover

$1,000,000
€800,000
£650,000

$2,000,000
€1,600,000
£1,300,000

Paid in full

Deductible and Cost Share Options

Deductible
USD
Euro
GBP

This is the amount you must pay towards your cost of treatment until the deductible for the period of cover is reached.

$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

This is the cost share percentage you must pay toward your cost of treatment.

0%
10%
20%
30%

Out of Pocket Maximum
USD
Euro
GBP

This is the maximum amount of cost share you have to pay per period of cover.

$2,000
$5,000

€1,480
€3,700

£1,330
£3,325

Standard Medical Benefits

Silver
Gold
Platinum
Annual overall benefit maximum - per beneficiary per period of cover

$1,000,000
€800,000
£650,000

$2,000,000
€1,600,000
£1,300,000

Paid in full

Hospital charges

Private Room

Private Room

Private Room

Hospital accommodation for a parent or guardian

$1,000
€740
£665

$1,000
€740
£665

Inpatient cash benefit

Per night up to 30 days per beneficiary per period of cover.

$100
€75
£65

$100
€75
£65

$200
€150
£130

Accident and Emergency Room Treatment

For necessary emergency treatment.

$500
€370
£335

$1,000
€740
£665

$1,200
€1,000
£800

Transplant services
Advanced Medical Imaging (MRI, CT, and PET scans)

As part of inpatient, daypatient, or outpatient treatment.

$10,000
€7,400
£6,650

$15,000
€12,000
£9,650

Rehabilitation

We will pay for: Physiotherapy; Occupational therapy; Cognitive and Speech therapies; and Cardiac and pulmonary rehabilitation.

$5,000
€3,700
£3,325
Up to 30 days

$10,000
€7,400
£6,650
Up to 60 days

Up to 90 days

Home nursing

$2,500
€1,850
£1,650
Up to 30 days

$5,000
€3,700
£3,325
Up to 60 days

Up to 120 days

Acupuncture & Chinese Medicine

$1,500
€1,100
£1,000

$2,500
€1,850
£1,650

Palliative care

$35,000
€25,900
£23,275

$60,000
€44,400
£38,400

Prosthetic devices
Local ambulance & air ambulance services
Mental and Behavioral Health Care

As part of inpatient, daypatient, or outpatient treatment.

$5,000
€3,700
£3,325
Up to 30 days for inpatient and daypatient treatment

$10,000
€7,400
£6,650
Up to 60 days for inpatient and daypatient treatment

Up to 90 days for inpatient and daypatient treatment

Treatment for Obesity

24 month waiting period

70% refund up to
$20,000
€14,800
£13,300

80% refund up to
$25,000
€18,500
£16,500

Cancer preventative surgery

70% refund up to
$10,000
€7,400
£6,650

80% refund up to
$18,000
€13,300
£12,000

90% refund up to
$18,000
€13,300
£12,000

Cancer care
Congenital conditions

$5,000
€3,700
£3,325

$20,000
€14,800
£13,300

$39,000
€30,500
£25,000

Out of Area Emergency Hospitalisation Cover

For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs.

$100,000
€75,000
£65,000

$250,000
€200,000
£162,500

Routine maternity care

12 month waiting period

$7,000
€5,500
£4,500

$14,000
€11,000
£9,000

Complications from maternity

12 month waiting period

$14,000
€11,000
£9,000

$28,000
€22,000
£18,000

Homebirths

12 month waiting period

$500
€370
£335

$1,100
€850
£700

Newborn Care

The newborn may be required to be medically underwritten.

$25,000
€18,500
£16,500

Up to 90 days

$75,000
€55,500
£48,000

Up to 90 days

$156,000
€122,000
£100,000

Up to 90 days

Overall Plan Limits

Annual overall benefit maximum - per beneficiary per period of cover
Silver $1,000,000 | €800,000 | £650,000
Gold $2,000,000 | €1,600,000 | £1,300,000
Platinum Paid in full

Deductible and Cost Share Options

Deductible $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
Out of Pocket Maximum $2,000; $5,000 €1,480; €3,700 £1,330; £3,325
Cost Share 0%; 10%; 20%; 30% 0%; 10%; 20%; 30% 0%; 10%; 20%; 30%

Standard Medical Benefits

Hospital charges Private Room Private Room Private Room
Hospital accommodation for a parent or guardian $1000; €740; £665 $1000; €740; £665 Paid in full
Inpatient cash benefit (Up to 30 days) $100; €75; £65 $100; €75; £65 $200; €150; £130
Accident and Emergency Room Treatment $500; €370; £335 $1,000; €740; £665 $1,200; €1,000; £800
Transplant services Paid in full Paid in full Paid in full
Advanced Medical Imaging (MRI, CT, and PET scans) $10,000; €7,400; £6,650 $15,000; €12,000; £9,650 Paid in full
Rehabilitation $5,000; €3,700; £3,325 (up to 30 days) $10,000; €7,400; £6,650 (up to 60 days) Paid in full (up to 90 days)
Home nursing $2,500; €1,850; £1,650 (up to 30 days) $5,000; €3,700; £3,325 (up to 60 days) Paid in full (up to 120 days)
Acupuncture & Chinese Medicine $1,500; €1,100; £1,000 $2,500; €1,850; £1,650 Paid in full
Palliative care $35,000; €25,900; £23,275 $60,000; €44,400; £38,400 Paid in full
Prosthetic devices Paid in full Paid in full Paid in full
Local ambulance & air ambulance services Paid in full Paid in full Paid in full
Mental and Behavioral Health Care $5,000; €3,700; £3,325 (up to 30 days) $10,000; €7,400; £6,650 (up to 60 days) Paid in full (up to 90 days)
Treatment for Obesity Not available 70% refund up to $20,000; €14,800; £13,300 80% refund up to $25,000; €18,500; £16,500
Cancer preventative surgery 70% refund up to $10,000; €7,400; £6,650 80% refund up to $18,000; €13,300; £12,000 90% refund up to $18,000; €13,300; £12,000
Cancer care Paid in full Paid in full Paid in full
Congenital conditions $5,000; €3,700; £3,325 $20,000; €14,800; £13,300 $39,000; €30,500; £25,000
Out of Area Emergency Hospitalisation Cover $100,000; €75,000; £65,000 $250,000; €200,000; £162,500 Paid in full
Routine maternity care Not available $7,000; €5,500; £4,500 $14,000; €11,000; £9,000
Complications from maternity Not available $14,000; €11,000; £9,000 $28,000; €22,000; £18,000
Homebirths Not available $500; €370; £335 $1,100; €850; £700
Newborn Care $25,000; €18,500; £16,500 (up to 90 days) $75,000; €55,500; £48,000 (up to 90 days) $156,000; €122,000; £100,000 (up to 90 days)

Optional Modules

Cigna offers additional modules to enhance your Silver, Gold, or Platinum international medical coverage plan. They offer International Outpatient, Medical Evacuation, Health and Wellness, and Vision and Dental. Policyholders can create a plan tailored to their needs by adding all or none of the optional modules.

Optional Modules - Schedule of Benefits

International Outpatient

Silver
Gold
Platinum
Annual International Outpatient benefit maximum - per beneficiary per period of cover

$15,000
€12,000
£9,650

$35,000
€25,900
£23,275

Paid in full

Consultations with medical practitioners and specialists

$2,500
€1,850
£1,650

$5,000
€3,700
£3,325

Prescribed drugs and dressings

$1,500
€1,100
£1,000

$3,000
€2,200
£5,000

Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging)

$2,500
€1,850
£1,650

$5,000
€3,700
£3,325

Outpatient Rehabilitation

Cigna will pay for:
Outpatient Physiotherapy; Outpatient Occupational therapy; Osteopathy and Chiropractic treatment; Speech therapy; and Cardiac and pulmonary rehabilitation.

$5,000
€3,700
£3,325

$10,000
€7,400
£6,650

Pre-natal and post natal care

12 month waiting period

$3,500
€2,750
£2,250

$7,000
€5,500
£4,500

Infertility Investigations and treatment

Up to a maximum of 4 attempts per lifetime. Available to beneficiaries up to 41 years old.

24 month waiting period

$10,000
€7,400
£6,650

Sleep Apnoea

$1,500
€1,100
£1,000

$2,000
€1,480
£1,330

Genetic Cancer test

12 month waiting period

$2,000
€1,480
£1,330

$4,000
€2,950
£2,650

Accupuncture & Chinese medicine

Up to a combined maximum of 15 consultations per period of cover.

$2,500
€1,850
£1,650

$5,000
€3,700
£3,325

Durable medical equipment
Adult vaccinations

$250
€185
£165

Dental accidents

$1,000
€740
£665

Child and Adolescence Wellbeing health
60+ Care

$1,000
€740
£665

$2,000
€1,480
£1,330

International Medical Evacuation

Silver
Gold
Platinum
International Medical Evacuation Annual benefit maximum - per beneficiary per period of cover
Crisis Assistance Plus™ Programme

The Crisis Assistance Plus™ programme provides time-sensitive advice and
coordinated in-country crisis assistance for risks that could impact you when you're traveling.

FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover)

Medical evacuation
Medical repatriation
Repatriation of mortal remains
Travel cost for an accompanying person
Compassionate visit - travel costs

Up to a maximum of 5 trips per lifetime

$1,200
€1,000
£800

$1,200
€1,000
£800

$1,200
€1,000
£800

Compassionate visit - living allowance costs

Per day up to 10 days per visit

$155
€125
£100

$155
€125
£100

$155
€125
£100

International Health and Wellbeing

Silver
Gold
Platinum
Life Management Assistance programme

This programme is available 24 hours a day and gives you access to free, confidential assistance with any work, life, personal, or family issue that matters to you.

Routine adult physical examination

$225
€165
£150

$450
€330
£300

$600
€440
£400

Cervical Cancer screening

$225
€165
£150

$450
€330
£300

Prostate Cancer screening

$225
€165
£150

$450
€330
£300

Mammograms for Breast Cancer screening

$225
€165
£150

$450
€330
£300

Bowel Cancer screening

$225
€165
£150

$450
€330
£300

Bone densitometry

$225
€165
£150

$450
€330
£300

Dietetic consultations

Up to 4 consultations per period of cover

International Vision and Dental

Silver
Gold
Platinum

Vision Care

Eye Test

1 eye examination per period of cover.

$100
€75
£65

$200
€150
£130

Expenses for:

-Spectacle lenses;
-Contact lenses;
-Spectacle frames;
-Prescription sunglasses.

$155
€125
£100

$155
€125
£100

$310
€240
£200

Dental Treatment

Annual Dental benefit maximum - per beneficiary per period of cover

$1,250
€930
£830

$2,500
€1,850
£1,650

$5,500
€4,300
£3,500

Preventative

3 month waiting period

Routine

3 month waiting period

80% refund

90% refund

Major restorative

12 month waiting period

70% refund

80% refund

Orthodontic treatment

Available up to 18 years old

18 month waiting period

40% refund

50% refund

50% refund

Interested in purchasing a Cigna Global Healthcare Plan?

Start building your International Health Insurance plan today!

Get a Free Quote

Cigna Global Health Insurance Plan Rates

Cigna Global determines premium rates based on several factors, such as your product choice (Cigna Silver Plan, Cigna Gold Plan, or Cigna Platinum Plan), area of coverage, and age. You can control your premium rate by selecting a deductible and a cost-share option, which will lower your monthly or annual costs. Deductibles and cost-share options are great for individuals and families that want to save money month to month, but note that your out of pocket payments will increase. Lastly, if you opt to add outpatient care and other optional modules for a more comprehensive international healthcare plan, your premiums will be more expensive.

  • U.S. Outbound
  • U.S. Inbound

 

   

  • Overall annual limit
  • Inpatient care
  • Hospital accomodation
  • Cancer care
  • Newborn care cover
  • Inpatient maternity

Silver

$196 / month

  • Overall annual limit $1,000,000
  • Inpatient care
  • Hospital accomodation Private room
  • Cancer care
  • Newborn care cover
  • Inpatient maternity
Get Quote

Gold

$252 / month

  • Overall annual limit $2,000,000
  • Inpatient care
  • Hospital accomodation Private room
  • Cancer care
  • Newborn care cover
  • Inpatient maternity
Get Quote

Platinum

$331 / month

  • Overall annual limit Unlimited
  • Inpatient care
  • Hospital accomodation Private room
  • Cancer care
  • Newborn care cover
  • Inpatient maternity
Get Quote

 

   

  • Overall annual limit
  • Inpatient care
  • Hospital accomodation
  • Cancer care
  • Newborn care cover
  • Inpatient maternity

Silver

$247 / month

  • Overall annual limit $1,000,000
  • Inpatient care
  • Hospital accomodation Private room
  • Cancer care
  • Newborn care cover
  • Inpatient maternity
Get Quote

Gold

$317 / month

  • Overall annual limit $2,000,000
  • Inpatient care
  • Hospital accomodation Private room
  • Cancer care
  • Newborn care cover
  • Inpatient maternity
Get Quote

Platinum

$417 / month

  • Overall annual limit Unlimited
  • Inpatient care
  • Hospital accomodation Private room
  • Cancer care
  • Newborn care cover
  • Inpatient maternity
Get Quote

* U.S. Outbound: The rate examples above are based on a 35-year-old individual moving from the U.S. to China with a USD 375 deductible.
** U.S. Inbound: The rate examples above are based on a 35-year-old individual moving from the U.S. from Canada with a USD 375 deductible.

Interested in purchasing a Cigna Global Healthcare Plan?

Start building your International Health Insurance plan today!

Get a Free Quote

Watch our Cigna Global Video and Learn About the Plan!

The video offers key information for expatriates to know before they purchase Cigna international health insurance coverage. Visit our YouTube channel to watch this video and numerous others!

Interested in purchasing a Cigna Global Healthcare Plan?

Start building your International Health Insurance plan today!

Get a Free Quote

Eligibility for Cigna International Health Insurance

The Cigna Global Medical Plans are available to all nationalities traveling and living abroad. Cigna international insurance offers two areas of cover, worldwide including the U.S. or excluding the U.S. If you choose worldwide, including the U.S., you can receive treatment anywhere in the world. If you choose worldwide, excluding the U.S., you can receive treatment anywhere except in the U.S. You must be eighteen years or older to purchase a Cigna policy.

All nationalities are encouraged to apply. In some instances, countries will limit or restrict coverage to local health care regulations. In those cases, we will recommend a suitable comparable plan.

Geographic Restrictions with Cigna Global Health Care

  • Country Restrictions — Cigna cannot accept an address in Cuba, the Democratic Republic of the Congo, Iran, Israel, Libya, Sudan, or Syria.
  • Destination Restrictions — Cigna cannot cover individuals residing in Afghanistan, Cuba, the Democratic Republic of the Congo, Guernsey, Hong Kong, Indonesia, Iran, Iraq, Lebanon, North Korea, Singapore, Sudan, Syria, or Thailand.
  • U.S. to U.S. Affiliated Country Restrictions — Cigna cannot cover U.S. citizens residing in Guam, Puerto Rico, U.S. Virgin Islands, Northern Mariana Islands, or any U.S. Minor Outlying Islands.

Expatriates living in the United Arab Emirates, including Dubai, are eligible for the Cigna Healthguard plan. Read more about the plan here.

Interested in purchasing a Cigna Global Healthcare Plan?

Start building your International Health Insurance plan today!

Get a Free Quote

Cigna Global FAQs

When Can I apply for Cigna Global health insurance?

You may apply as early as 45 days before your requested start date. If you apply earlier than that date or your start date gets delayed, you might be required to provide updated medical information from your health care provider and a statement of health indicating there have been no new medical conditions since the time of your initial application.

How much does Cigna Global health plan cost?

One great feature of the Cigna Global Medical Plan is that you can adjust the plan structure to keep costs low or add features and benefits with an additional premium. To determine how much a plan will cost you and your family, you can read our Cigna Global Plan Costs page or click here for a free quote.

Also Read: Cigna Global Health Insurance Costs and Premium Examples

Does Cigna cover international healthcare and treatments abroad?

If you have purchased the Cigna Global health insurance plan, you can be covered for medical expenses and health services anywhere in the world. When you need treatment, the Cigna International Customer Care Team will help you arrange your treatment plan and point you in the right direction, saving you the time and hassle of looking for a hospital, clinic, or medical practitioner yourself. They appreciate that there will be times when it will not be practical or possible for a beneficiary to contact them for prior approval. In the circumstances like these, they ask that you or the affected beneficiary get in touch with them 48 hours after treatment has been sought so that they can confirm whether treatment is covered and arrange a settlement with your provider.

How do I find the nearest hospital, clinic, or doctor within the Cigna Global network?

Log in to the online Customer Area, and you can search their directory of hospitals, clinics, and doctors. Just type in your zip code, specify the distance you are willing to travel, and it will list the medical experts within your area. Alternatively, call the Customer Care Team. Please remember to take your Cigna ID card with you when you go for treatment and ask your hospital, medical practitioner, or clinic about direct billing if this has not already been confirmed. Where possible, they will arrange to pay the hospital, clinic, or doctor you wish to see directly.

How can I contact Cigna International if I want to discuss my treatment plan?

If you need to speak to Cigna about your treatment plan, contact their Customer Care Team who can direct your call to a Cigna healthcare professional:

Cigna International Contact Information

Sales: Info@internationalInsurance.com
Email: Cignaglobal_customer.care@Cigna.com

Cigna International Phone Numbers:

  • For Sales and New Policies, Call:
    • US Toll-free: 1-877-758-4881
    • International: U.S. 1-617-500-6738
    • Europe: +44 (20) 35450909
  • For Customer Service, Call Toll-free from the U.S. 1-800-835-7677
  • Telephone: UK +44 (0) 1475 788182 or
  • Fax: +44 (0) 1475 492113

Will Cigna pay for my treatment through direct billing?

Where possible, Cigna international healthcare services will arrange to pay for your hospital, clinic, or doctor directly. However, if you have chosen a deductible, you must pay this amount yourself.

What do I need to know before submitting a claim to Cigna Global?

You must call Cigna Global before getting treatment. They can help you find the most appropriate hospital, clinic, or doctor near you and arrange to pay them directly—saving you the cost and hassle of paying for it yourself and claiming back from Cigna later. They will, of course, cover the cost of your GP or initial specialist consultation, along with any prescribed medication without prior approval having been obtained, providing the treatment is covered by your plan.

In most cases, your hospital, clinic, or doctor will invoice Cigna directly. However, sometimes they may give you the invoice after treatment. Should this happen, send the invoice with a claim form to Cigna, and they’ll pay them. If you’ve chosen to apply any deductibles to your plan, you’ll need to pay this amount to your hospital, clinic, or doctor yourself.

Calling Cigna before getting treatment during an emergency isn't always possible. You’ll need to pay for your treatment yourself in this case and send your invoice and claim form to Cigna. They’ll reimburse you, less any deductibles, usually within five days of receipt.

How do I download a Cigna Global claim form?

You’ll find full details on how to get treatment, how to make a claim, and copies of claims forms in your welcome pack. You can also download additional claims forms here: Medical Claim Form | Vision Claim Form | Dental Claim Form

How will Cigna reimburse me for my claim?

If you’ve paid for your treatment yourself, merely complete a claim form and post, email, or fax it to Cigna with your invoice. If you email or fax it to us, make sure you keep the original in case they need to see it later.

Which currency will Cigna reimburse my claim in? And how long will it take?

We aim to reimburse you within five working days of receiving your fully completed paperwork and can pay you in the currency of your choice (you can choose to be reimbursed in more than 135 currencies).

How do deductibles and cost sharing work with Cigna Global?

When you create your tailored plan, you have the option of adding deductibles. If, for example, you choose a deductible of $250, you’ll need to pay the first $250 of a covered claim or covered claims in any period of coverage directly to your hospital, clinic, or doctor at the time of treatment. So if your treatment costs are $500, you’ll need to pay $250, and they’ll pay the remaining $250 of covered costs. If a deductible is chosen, you would only have to pay this once during any cover period regardless of the number of claims.

Cost-share is the percentage of every claim you will pay. Out of pocket maximum is the maximum amount you would have to pay in cost-share per policy year. 

An Example :

You have a claim value of $20,000

You have a $500 deductible on your policy.

You have a 20% cost share with a $2,000 out of pocket maximum.

We would pay $17,500

How this is calculated–After you paid your deductible of $500, your cost share is 20% of $19,500 ($3,900). This is more than your out of pocket maximum, so you would only pay $2,000 out of pocket maximum for the cost-share (and the $500 deductible you paid at the outset), and they cover the remaining $17,500.

Read: Co-Pays and Deductibles in your International Health Insurance Plan

 

Will pre-existing conditions be covered by my Cigna Global plan?

Yes - pending a review of your medical history. If you’ve sought advice or experienced symptoms before the start date of your plan—whether you have been diagnosed or not—they may decide to add special exclusions to your plan. So you must complete the medical questionnaire as accurately as possible when applying.

Read: Pre-existing Conditions in Global Medical Plans

Does Cigna cover dental treatment?

Cigna Global Health Benefits provides cover for core benefits, such as emergency dental cover in the event of an accident that requires you to have treatment in a hospital. If you want more coverage, choose their International Vision and Dental option and enjoy access to a wide variety of preventative, routine, major, and orthodontic treatments.

Does Cigna Global cover inpatient treatment?

Yes, you are. Inpatient treatment is included as standard within its core Global Medical Health Insurance. It covers you for treatment received as an inpatient when staying overnight in a hospital or receiving treatment at the hospital as a day patient.

Does Cigna Global cover outpatient treatment?

Cigna covers you for selected outpatient costs such as treatment room fees, surgeon and anesthetic costs, advanced imaging, cancer, and psychiatric care. If you want more comprehensive outpatient cover, add the optional International Outpatient to your plan.

Will Cigna Global cover my birth control?

No—birth control is not a covered benefit. However, if your doctor prescribes a form of birth control for medical reasons after you have applied for the plan, an exception may be made.

Does my Cigna Global membership card provide a guarantee of cover?

No, it doesn’t. Your membership card is purely a means of identifying you and has no payment capabilities. When you need treatment, call their Treatment Approval Team on +44 (0) 1475 788182 or toll-free from the U.S. on 1 800 835 7677. They’ll arrange to pay for your hospital, clinic, or doctor directly wherever possible.

Interested in purchasing a Cigna Global Healthcare Plan?

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