International Health Plans
Our solution: Cigna Global Health Options
A flexible health plan to meet specific individual needs
Cover for an individual expat or for the whole family
Available from the age of 18 years old with no upper age limit
Efficient and dedicated customer support (including advisors, nurses and doctors)
At Cigna Healthcare we specialise in international health insurance for globally mobile individuals. We are dedicated to helping our customers better manage their overall health and wellbeing and ensuring our customers have quality care available as and when they need it, allowing them to focus on what matters most, their recovery.
Annual maximum of $1,000,000 for inpatient and daypatient treatment.
Private room
Full cancer care up to $1,000,000
Medical Imaging and scans up to $10,000
Rehabilitation, including Physiotherapy, up to $5,000
A&E Room Treatment up to $500
No inpatient maternity covered
Annual maximum of $2,000,000 for inpatient and daypatient treatment.
Private room
Full cancer care up to $2,000,000
Medical Imaging and scans up to $15,000
Rehabilitation, including Physiotherapy, up to $10,000
A&E Room Treatment up to $1,000
Newborn care cover up to $75,000
Inpatient Maternity up to $7,000
Inpatient and daypatient treatment is Paid in Full.
Private room
Full cancer care
Medical Imaging and scans Paid in Full
Rehabilitation, including Physiotherapy Paid in Full
A&E Room Treatment up to $2,000
Newborn care cover up to $156,000
Inpatient Maternity up to $14,000
Mental & Behavioural Healthcare Paid in Full
Coverage across the globe wherever you are located, with the option to include the USA.
We give you choices to built the appropriate level of cover with a plan that moves with you in over 200 countries and jurisdictions.
From 18 year old, you can enrol to your own policy and keep it as long as required. We don’t apply an age limit on our international health plans.
Extensive programmes and additional resources to look after your mental health and emotional wellbeing.
An overview of key benefits, for full benefits please view Product Brochure [PDF]
| Plan tier | Silver | Gold | Platinum |
|---|---|---|---|
|
Area of cover |
Worldwide or Worldwide excluding USA |
||
| Annual overall benefit maximum – per beneficiary per period of cover | Silver | Gold | Platinum |
|
$1,000,000 |
$2,000,000 |
✓ |
|
| Hospital charges | Silver | Gold | Platinum |
| ✓ Private room | ✓ Private room | ✓ Private room | |
| Advanced Medical Imaging (MRI, CT and PET scans) | Silver | Gold | Platinum |
| As part of impatient, daypatient or outpatient treatment. | $10,000 | $15,000 | ✓ |
| Mental and Behavioural Health Care | Silver | Gold | Platinum |
| $5,000 | $10,000 | ✓ | |
| Cancer Care | Silver | Gold | Platinum |
| ✓ | ✓ | ✓ | |
| Out of Area Emergency Hospitalisation Cover | Silver | Gold | Platinum |
| $100,000 | $250,000 | ✓ | |
| Routine maternity cover (12 months) | Silver | Gold | Platinum |
| ✕ | $7,000 | $14,000 | |
| Global telehealth with Teladoc | Silver | Gold | Platinum |
|
Unlimited Consultations |
|||
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
$1,000,000
$2,000,000
✓
✓Private room
✓Private room
✓Private room
As part of impatient, daypatient or outpatient treatment.
$10,000
$15,000
✓
$5,000
$10,000
✓
✓
✓
✓
$100,000
$250,000
✓
✕
$7,000
$14,000
Unlimited Consultations
The following sections detail the optional benefits you can choose to add to your core cover. For full list of optional benefits, please view the Product Brochure
The International Outpatient optional module provides more comprehensive outpatient care where a hospital admission as a daypatient or inpatient is not required, including consultations with specialists, prescribed outpatient drugs and dressings, rehabilitation, genetic cancer testing and much more. For a more detailed overview of the optional International Outpatient module, please view our Product Brochure [PDF]
| Annual International Outpatient benefit maximum – per beneficiary per period of cover | Silver | Gold | Platinum |
|---|---|---|---|
| $15,000 | $35,000 | ✓ | |
| Consultations with medical practitioners and specialists (in-person or virtual appointments) | Silver | Gold | Platinum |
| $2,500 | $5,000 | ✓ | |
| Prescribed drugs and dressings | Silver | Gold | Platinum |
| $1,500 | $3,000 | ✓ | |
| Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging) | Silver | Gold | Platinum |
| $2,5000 | $5,000 | ✓ | |
| Pre-natal and post natal care | Silver | Gold | Platinum |
| ✕ | $3,500 | $7,000 | |
| 60+ care | Silver | Gold | Platinum |
| $500 | $1,000 | $2,000 |
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
$15,000
$35,000
✓
$2,500
$5,000
✓
$1,500
$3,000
✓
$2,5000
$5,000
✓
✕
$3,500
$7,000
$500
$1000
$2,000
We understand the importance of your overall wellbeing and living a balanced life. In addition to health screenings, tests and examinations; this module also empowers you and your family with the services and support to manage your own individual day-to-day health and wellbeing. Your Wellness companion, comprising of the Life Management Assistance programme and the Wellness Coaching, is available to help you and your family stay healthy and well, both physically and mentally.
| Life Management Assistance programme | Silver | Gold | Platinum |
|---|---|---|---|
| 24/7 access to counsellors for mental and behavioural health support. | ✓ | ✓ | ✓ |
| Telephonic Wellness Coaching | Silver | Gold | Platinum |
| Access to a personal wellness coach for lasting lifestyle changes. | ✓ | ✓ | ✓ |
| Mental Health Support Programme | Silver | Gold | Platinum |
| Up to 20 face to face counselling sessions per condition per period of cover. | ✓ | ✓ | ✓ |
| Routine adult physical examination | Silver | Gold | Platinum |
| $225 | $450 | $600 | |
| Footcare by a Chiropodist or Podiatrist | Silver | Gold | Platinum |
| $225 up to 5 sessions | $450 up to 10 sessions | $900 up to 15 sessions | |
| Cancer Screenings | Silver | Gold | Platinum |
| $225 | $450 | ✓ |
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
24/7 access to counsellors for mental and behavioural health support.
✓
✓
✓
Access to a personal wellness coach for lasting lifestyle changes.
✓
✓
✓
Up to 20 face to face counselling sessions per condition per period of cover.
✓
✓
✓
$225
$450
$600
$225 up to 5 sessions
$450 up to 10 sessions
$900 up to 15 sessions
$225
$450
International Vision and Dental pays for the beneficiary’s routine eye examination and pays costs for spectacles and lenses. It also covers a wide range of preventative, routine and major dental treatments.
| Annual Dental Treatment benefit maximum | Silver | Gold | Platinum |
|---|---|---|---|
| $1,250 | $2,500 | $5,500 | |
| Preventative (3 months) | Silver | Gold | Platinum |
| ✓ | ✓ | ✓ | |
| Routine (3 months) | Silver | Gold | Platinum |
| 80% refund | 90% refund | ✓ | |
| Major restorative (12 months) | Silver | Gold | Platinum |
| 70% refund | 80% refund | ✓ | |
| Orthodontic treatment (18 months) | Silver | Gold | Platinum |
| 40% refund | 50% refund | 50% refund |
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
$1,250
$2,500
$5,500
✓
✓
✓
80% refund
90% refund
✓
70% refund
80% refund
✓
40% refund
50% refund
50% refund
International Medical Evacuation provides coverage for reasonable transportation costs to the nearest centre of medical excellence in the event that treatment is not available locally in an emergency. This option also includes medical repatriation coverage, as a result of a serious illness or after a traumatic event or surgery. Compassionate visits for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness will also be covered.
| Medical Evacuation | Silver | Gold | Platinum |
|---|---|---|---|
| ✓ | ✓ | ✓ | |
| Medical Repatriation | Silver | Gold | Platinum |
| ✓ | ✓ | ✓ | |
| Crisis Assistance Plus Programme |
This programme is provided by global crisis response experts, FocusPoint International®, who support global travellers with 24/7 multilingual response centres and resources in over 100 countries. Crisis Assistance Plus™ (CAP) provides time-sensitive advice and coordinated in-country crisis assistance for risks when travelling. |
||
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
✓
✓
✓
✓
✓
✓
Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit and you should refer to the Customer Guide for full benefit details. Prices are displayed in US Dollars (USD) only. Please refer to the Sales Brochure to see benefit limits displayed in EUR / GBP.
You can select the right plan based on your individual situation.
You'll get access to a multilingual service with 24/7 availability.
With Cigna Healthcare, you have access to over 300,000 mental and behavioural health care providers, more than 67,000 contracted pharmacies, and over 150 in-house doctors and nurses.
Our Cigna Wellbeing™ app gives you access to a range of features, including the Global Telehealth service to easily and quickly speak with a doctor or specialist
At Cigna Healthcare, we believe a customer of any age deserves to access suitable healthcare for their needs. This is why we do not terminate a customer’s health insurance policy based on their age and we do not implement an age cap on any of our plans.
We look after our customers though access to over 2.2 million partnerships, including 300,000 mental and behavioural health care providers, more than 67,000 contracted pharmacies, and over 150 in-house doctors and nurses. We offer in network direct billing, and for all inpatient and daypatient treatment we require prior authorisation, which simplifies your customer journey.
As a Cigna Global Health Options Customer, you have access to our Mental and Behavioural Health Care covered under your core inpatient and daypatient benefit within the international health plans as standard. We have an optional health and wellbeing module which offers our Life Management Assistance Programme providing confidential assistance with any work, life, personal or family issue that matters to you through counselling, telephone support and online programmes.