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    Employers

    Cigna Healthcare

    International Business Health Insurance Built Around You

    Get quality, flexible global health insurance tailored to your business’ needs.

    Let us help you find precisely the coverage you need.

    Get a quote
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    Why Cigna Healthcare?

    Over 60 years of experience providing international health insurance for businesses has taught us that every situation is unique when it comes to designing effective, reliable global health insurance for employees, diplomats, military personnel, students and faculty around the world.

    We offer:

    Modular and flexible plans

    Options that make it easy to build a plan to suit your organisation’s needs and budget.

    A dedicated client manager

    One-on-one support that ensures your questions never go unanswered.

    Easy monitoring of member claims

    Digital tools that make it easy to manage costs and adapt to better support your people.

    Who we cover

    Cigna Healthcare® offers a wide range of international group health insurance solutions for small and large businesses, governments and government-contracted businesses, as well as educational institutions.

    Take a closer look at the types of businesses we serve:

    Businesses with 2-149 employees 

    Protect your small business and employees with flexible, affordable international business health insurance.

    Learn more

    Businesses with 150+ employees

    Get robust large global corporate health insurance with customisable benefits, funding options, and scalable coverage.

    Learn more

    Students & faculty health insurance

    Cover students and faculty studying and working abroad, as well international students studying in the U.S. with Cigna StudyWell®.

    Learn more

    OCONUS & Government health insurance

    Trust our specialised experience with compliant international business health insurance for OCONUS (Outside the Continental United States) contractors and government employees.

    Learn more

    Let’s build your plan

    Before creating the right global health plan for your workforce, employers often struggle to understand exactly what their coverage must include—especially when navigating multiple countries, diverse employee needs, and fast‑changing regulatory requirements.

    Rely on our expertise to create compliant, easy-to-manage and affordable global business health insurance solutions to fit your needs.

    Get a quote

    FAQ

    What is international business health insurance?

    International business health insurance provides medical coverage for globally mobile employees. It ensures access to healthcare services across multiple countries, which is critical when local healthcare systems vary in quality, cost, and availability.

    Does my business need international health insurance?

    This depends on a few factors. If your employees work abroad, relocate internationally, or travel frequently for business, local health plans can sometimes fall short. International health insurance ensures consistent coverage across borders.

    You may need it to align with legal & visa requirements. In some countries, health coverage is mandatory for work permits or visas. Without it, assignments can be delayed or denied.

    Healthcare systems can vary widely. In regions with limited or costly medical services, international plans guarantee access to reputable providers and emergency evacuation if needed.

    We can't tell definitely without speaking to you and discussing your situation, but a business likely needs international health insurance if you have employees working or traveling abroad, or you want to met compliance requirements and avoid legal risks, or you aim to attract and retain global talent while safeguarding employee health. Best way to be sure, is to speak to us by requesting a quote and speaking to our team.

    What should an international health insurance plan include?

    Core medical cover, mental health and wellbeing support, maternity and fertility benefits, emergency medial evacuation and repatriation, and more. Our whitepaper,, is available for download and will give more details than we can provide in an FAQ. Click here to download.

    How do employees access care abroad?

    We make international healthcare simple and reliable by providing access to a global network of doctors and hospitals, supported by 24/7 multilingual assistance for guidance and emergencies.

    Employees can also use the Cigna Envoy® platform to manage benefits, locate providers, and submit claims online, while telehealth services offer virtual consultations from anywhere.

    Direct billing arrangements minimise upfront costs, and emergency support such as medical evacuation ensures peace of mind.

    With Cigna Healthcare, you and your employees can count on comprehensive, convenient care - wherever work takes you.

    What benefits are included?

    We offer a wide range of valuable benefits for your business, team, and employees. To explore our benefits and get the right fit for you, you can visit our Small Business or Large Corporate pages, or Get a quote and speak to our team on benefit options.

    How many employees can Cigna Healthcare cover?

    Cigna Healthcare can support businesses of all sizes. Whether you’re a small team with as few as 2 employees or a large organisation with hundreds, or even thousands of employees, we offer plans designed to fit your structure and needs. Use the "Who we cover" section above to look at our different coverage options. OR If you’re unsure, you can always select Get a quote, leave us some details and a member of our team will reach out to answer your questions and help you to the right solution.

    How is pricing calculated?

    Our pricing is based on a few key factors, including the size of your workforce, the level of coverage you choose, and the specific benefits you want to include in your plan. Because every business is different, we tailor our pricing to match your needs rather than offering a one‑size‑fits‑all rate. If you’d like a clearer idea of what your plan might cost, you can reach out by selecting Get a quote, leave some quick details, our team will be in touch to help put together a personalised quote for you and your team.

    Explore

    Why employee well-being matters for small global businesses

    What exactly is a wellness programme and why is employee well-being especially important for small businesses with globally mobile employees? Let’s explore the details.

    Find out more

    Need help choosing a plan?

    Our expert advisors are on hand to help. Get in touch with our teams to learn more about our health solutions.

    Get a quote

    One global clinical approach

    Our global clinical approach supports our customers wherever they are in the world. At its core, we bring together our integrated clinical programmes, simpler and smarter access to care, and deep clinical expertise.

    Find out more

    Disclaimer

    Web-based tools, such as Cigna Envoy® are available for informational purposes only. These tools are not intended to be a substitute for medical care provided by a physician. The listing of a health care professional or facility in the mobile directories available through the Cigna Envoy mobile app does not guarantee that the services rendered by that professional or facility are covered under your benefits plan. Refer to your plan documents, or call the number listed on your ID card, for information about the services covered under your plan benefits. References to non-partnered organizations or companies, and/or their products, processes or services, do not necessarily constitute an endorsement or warranty thereof.

    The downloading and use of the Cigna Envoy Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply. The Apple logo is a trademark of Apple Inc., registered in the United States and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.
    Cigna Healthcare global telehealth products are administered by Teladoc, an independent third party service provider. All Teladoc doctors are licensed in the countries where they practice medicine and are fully qualified and trained to provide this service.

    Telehealth services may not be available in all jurisdictions. In general, to be covered by your plan, services must be medically necessary and used for the diagnosis or treatment of a covered condition. Not all prescription drugs are covered and prescriptions are not guaranteed to be written. Providers are solely responsible for any treatment provided and are not affiliated with Cigna Healthcare. Not all providers have video chat capabilities and video chat may not be available in all areas. Telehealth providers are separate from your health plan’s provider network.

    © Cigna Healthcare. All rights reserved.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

    This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.

    Our Policies are underwritten by Cigna Global Insurance Company Limited, a private limited company under Guernsey Law, with registered address office at PO Box 155, Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 4ET, and company number 41925. Cigna Global Insurance Company Limited is authorised and regulated by the Guernsey Financial Services Commission for the conduct of insurance business in Guernsey.

    This communication is being issued and/or distributed by Cigna Insurance Management Services (DIFC) Limited which is regulated by the Dubai Financial Services Authority.