International health insurance for seniors over 60

• Global crisis response support. This can be used should you or your family encounter a security or travel risk.
• Emergency medical transport. Should a medical crisis occur, we’ll provide transport to the nearest center of medical excellence.
• Repatriation in the event of a medical incident. We’ll make sure you’re safely transported home should something happen while traveling. You can learn more about repatriation on our blog.
• Cover for compassionate visit costs. We’ll make sure your family can visit you should you fall unwell^*.

*For each beneficiary we will pay for up to 5 compassionate visits over the lifetime of the cover. Compassionate visits must be approved in advance by our medical assistance service.

We will pay the cost of economy class return travel for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness, if the beneficiary is in a different country and is anticipated to be hospitalised for 5 days or more, or has been given a short-term terminal prognosis.

We will also pay for living expenses incurred by a family member during a compassionate visit, for up to 10 days per visit while they are away from their country of habitual residence up to the limits shown in the list of benefits (subject to being provided with receipts in respect of the costs incurred).

Important note:

We will not pay for a compassionate visit when the beneficiary has been evacuated or repatriated. If an evacuation or repatriation takes place during a compassionate visit, we will not pay any further third party transportation costs.  

• Routine eye examinations. This also covers the cost of glasses and lenses.
• Routine, preventative and major dental and oral treatments.

Perhaps you’re preparing to start your new life abroad, and move to your chosen destination.

You might be retiring overseas, relocating for work or moving closer to family. If so, our medical insurance can provide important cover and support for senior citizens and their families.

As a foreign national, you may not be entitled to free or subsidized healthcare. Some countries may also require expats to have health insurance in place. That’s where we can help.

In some nations, such as the USA, health insurance may be heavily encouraged. The quality of local services may vary depending on your location, in countries such as India. We can assist in finding the best treatment and care.

If you’re worrying about understanding the language, or struggling with any local regulations, we’ll look to provide the help you need – with support available 24 hours a day, 7 days a week.

Our health insurance plans aim to provide peace of mind for international senior citizens – whether covering you for routine check-ups, preventative care or emergencies.

We understand how stressful it could be if you’re taken ill in a country you’ve relocated to. That’s why we’re here to support you with anything you need.

Find out more about how we can help – get a free quote

Travel medical insurance and international health insurance can both be purchased for senior citizens spending time away from their home country. However, while travel insurance tends to cover treatment when you’re temporarily visiting another nation, international health insurance provides cover for those relocating to another country for a longer period. For example, if you’re retiring abroad.

A comprehensive healthcare insurance policy can help provide important peace of mind for senior citizens. It could provide support should you require treatment abroad, cover you for any hospital and prescription bills, help you navigate local healthcare systems and even get you back to your country of origin in the event of an emergency.

The best health insurance for senior citizens will offer protection that covers your own personalized needs, taking into account pre-existing conditions specific to your medical history. Whatever you choose, try to tailor a policy that takes into account any likely issues – and offers peace of mind for whatever the future holds. 

At Cigna, we ask that you declare any pre-existing medical conditions when you apply. These include chronic illnesses like cancer, diabetes and epilepsy, and may also include some mental health conditions such as depression. We’ll also ask you to declare less severe conditions like asthma or sleep apnea.

Find out more about pre-existing conditions

At Cigna, we’re passionate about making things simple. You can’t control when and where illness might happen, so we want to take out as much stress from any health issues as we can.

Where possible, we will look to pay healthcare providers direct for you.  Please try and call us before seeking any treatment, so we can make sure you’re covered.

Our medical insurance plans offer professional healthcare support and advice for senior citizens. This includes helping you find suitable doctors, hospitals and clinics near you.

To make a claim:

1. Contact our Customer Care team. We’ll check if you’re covered, and aim to help you find the right treatment.

 If it’s an emergency, try to contact us within 48 hours if you can. 

2. We’ll pay the hospital or practitioner directly if they’re available for direct billing. 

3. If you have to pay for treatment, or your hospital has given you a bill, simply submit an invoice. We’ll look to either reimburse your hospital or medical center (if you were given a bill), or you (if you paid yourself). 

4. After we’ve received all the documents we need, we’ll aim to process your claim within 5 working days. 

5. That’s it! Remember to always try and call us before seeking treatment, so we can be there to support you throughout.

Read more about our full claims process