Cigna Global Medical—Frequently Asked Questions
Below are the most frequently asked questions about the Cigna Global Medical plan. If your question is not answered below, then you might find the answer in the PDF brochure. You can always contact us as well with your questions.
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.
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.
When you need treatment, the Cigna 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 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.
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.
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 Phone Numbers:
For Sales and New Policies, Call: US Toll-free: 1-877-758-4881
International: U.S. 1-617-500-6738
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
Where possible Cigna will arrange to pay for your hospital, clinic or doctor directly. However, if you have chosen a deductible, you must pay this amount yourself.
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. If this happens, just 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. If for any reason, such as an emergency, you can’t call Cigna before getting treatment, you’ll need to pay for your treatment yourself and send your invoice and claim form to Cigna. They’ll reimburse you, less any deductibles, usually within five days of receipt.
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 and vision claim form | Dental claim form
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.
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).
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 period of cover regardless of the number of claims. Also Read: Deductibles and Copays in International Plans
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. Read more on Deductibles and Out of Pocket Maximums
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.
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 it’s vital that you complete the medical questionnaire as accurately as possible when applying.
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.
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 when receiving treatment at the hospital as a day patient.
International Medical Insurance 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.
No—birth control is not a covered benefit. However, if after you have applied for the plan, your doctor prescribes a form of birth control for medical reasons, an exception may be made.
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.