Private international health insurance in the USA
Whether you’re a student, expat or business transfer, protect yourself and your loved ones with private health insurance in the USA – and beyond.
Our policies are international, so you’ll be protected in the USA and over 200 countries and territories.
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Get a quote in under two minutes
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Customizable plan to meet your needs
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24/7 support and assistance available
Why choose Cigna for global health insurance in the USA?
Wide-ranging cover for medical expenses
We cover many costs at doctor’s clinics and hospitals in the USA. From accommodation charges and emergency treatment, to screening for cancer.
Direct billing with most care providers
We can settle the cost of treatment directly with the provider. This means you don't have to foot the bill upfront.
Customer care team available 24/7
Our customer care team is available 24 hours a day, every day of the week. You can also speak to a doctor remotely if needed.
Our health insurance plans
Our Global Health Options plans are available in Silver, Gold and Platinum. Access wide-ranging support across medical providers and hospitals worldwide – from hospital rooms and outpatient medicines to rehabilitation assistance. Key cover includes:
- Mental health care
- Cancer treatment and preventative surgery
- Emergency outpatient treatments in hospitals
You could also receive maternity and dental care, depending on your health insurance plan.
In addition to our global plans, we also offer regional cover via our Close Care℠ plan.
| Silver | Gold | Platinum | |
|---|---|---|---|
Our Silver plan covers day-patient cover, including hospital stays and treatment. | Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family. | Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full. |
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| Geographic cover | Silver | Gold | Platinum |
Worldwide | Worldwide | Worldwide |
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| Overall annual benefit | Silver | Gold | Platinum |
$1,000,000 | $2,000,000 | Unlimited |
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| Inpatient, day-patient and accommodation costs | Silver | Gold | Platinum |
Private room paid in full | Private room paid in full | Private room paid in full |
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| Cancer care | Silver | Gold | Platinum |
Paid in full | Paid in full | Paid in full |
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| Mental and behavioral healthcare | Silver | Gold | Platinum |
Up to $5,000 | Up to $10,000 | Paid in full |
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| Maternity care | Silver | Gold | Platinum |
Not included | Routine inpatient maternity cover – paid in full up to $7,000 | Routine inpatient maternity cover – paid in full up to $14,000 |
Our Silver plan covers day-patient cover, including hospital stays and treatment.
Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family.
Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full.
Worldwide
Worldwide
Worldwide
$1,000,000
$2,000,000
Unlimited
Private room paid in full
Private room paid in full
Private room paid in full
Paid in full
Paid in full
Paid in full
Up to $5,000
Up to $10,000
Paid in full
Not included
Routine inpatient maternity cover – paid in full up to $7,000
Routine inpatient maternity cover – paid in full up to $14,000
Our essential plan covers you in your country of residence and your home country. You can also add modules to extend this cover, including dental and wider outpatient care. |
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| Geographic cover | Close Care℠ | |
Country you’re living in and home country only |
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| Overall annual benefit | Close Care℠ | |
$500,000 (with $250,000 condition limit) |
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| Inpatient, day-patient and accommodation costs | Close Care℠ | |
Semi-private room paid in full |
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| Cancer care | Close Care℠ | |
Paid in full |
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| Mental and behavioral healthcare | Close Care℠ | |
Not included |
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| Maternity care | Close Care℠ | |
Not included |
Our essential plan covers you in your country of residence and your home country.
You can also add modules to extend this cover, including dental and wider outpatient care.
Country you’re living in and home country only
$500,000 (with $250,000 condition limit)
Semi-private room paid in full
Paid in full
Not included
Not included
How does international health insurance work?
1. Get a free quote and
buy your policy
Build a quote online or give us a call at +44 (0)1475 492119
Choose a plan, customise your deductibles & cost shares, find a cost that meets your needs, and choose how you want to pay. Choose from monthly, quarterly and annual payments.
2. Manage your policy
with our easy app
Manage your health and wellbeing on the go, wherever you may be.
The Cigna Wellbeing® App gives you access to Global Telehealth consultations from anywhere in the world. Use our online customer area to access your policy documents, at any time.
3. Get your treatment
and make a claim
Get in touch with our customer care team to make a claim.
We’ll connect you to a medical expert within 24 hours, via global network of over 2.2 million partnerships.
Direct billing available in most cases, as we liaise directly with your treatment provider.
Healthcare in the USA
Kick off your American dream with international medical insurance from Cigna. Whether it’s to learn, explore, or build your successful career, the 50 states of the USA offer the perfect place to do it.
The United States healthcare system is a mix of private insurance and limited government-backed coverage. Publicly funded schemes like Medicare and Medicaid can offer support to older citizens, people with disabilities, and children.
But with no universal healthcare in place, many residents and visitors will require private US medical insurance.
Having health insurance in the USA helps you to access vital treatments – when you need them most. For example, our international medical insurance can send you to highly rated hospitals in the US and elsewhere. It can also cover prescribed medicines linked to your inpatient or day-patient treatment.
Additional benefits as part of your international health insurance cover
Telehealth
consultations
We understand how to provide the support you need, when you need it. Get unlimited phone or video doctor consultations, plus counseling and coaching.
International cover,
wherever you are
Your international cover (Silver, Gold or Platinum) can help wherever you are.
Flexible plans,
made for you
Your health insurance quote is tailored to you and your family’s needs. Match it to your budget today.
Add more cover to your policy
Once you’ve chosen from our Silver, Gold and Platinum packages, make them even more bespoke to you with additional cover.
Our international outpatient insurance provides access to a broad range of healthcare treatments that don’t require admission to a hospital. For example, you can get:
- Consultations with specialists, in-person or online
- Prescribed drugs and dressings
- Radiology and diagnostic tests
- Outpatient rehabilitation
- Cover for hearing aids
This medical insurance add-on covers emergency healthcare and assistance. It could help if there’s a global crisis, or to evacuate you if local treatment can’t help. It can give you:
- Emergency transport to good hospitals.
- Repatriation if you experience a serious medical event
- Crisis response services following travel or security risks
- Help with compassionate travel and living costs
- Travel costs for people who accompany you
Boost your health with insurance for screening, tests and dietetic consultations. There’s also a mental health support program for expats as well.
Get eye tests and help with the cost of eyewear, plus a wide range of preventative, and routine dental treatments.
Who comes to us for US health insurance?
International students
America’s world-class universities are the perfect places to immerse yourself in its culture and heritage. But even the most adventurous student may need a safety net.
We make it easy to access US healthcare. Our affordable student cover can help to tackle an unexpected event, or get support with your mental health.
Mobile workers
From the political powerhouses of Washington DC to the film studios of LA, the US offers a huge variety of renowned industries.
Whatever your line of work, our insurance can help provide peace of mind for globally mobile professionals and their families.
Retirees
Whether you’re seeking a quieter life in New England, or sunning yourself on the west coast, there are so many reasons to retire to the US.
Seniors’ insurance is tailor-made for the over-60s. Depending on the plan, you could get support with pre-existing conditions like arthritis. Plus, health checks and cancer treatments.
More information about healthcare in the USA
Hospitals: More than 6,000 across the country (American Hospital Association, 2024)
Healthcare ranking: 69th out of 167 countries (Legatum Institute Foundation)
Useful drug names: Paracetamol is called acetaminophen. Ibuprofen is commonly sold as Motrin and Advil.
Emergency services number (while in USA): 911
Cigna claim number (while in USA): 800 835 7677
You should head to your nearest hospital during an emergency. Here you will typically be provided treatment whether you’re insured or not – though costs can be high, and medical cover can help to pay for any unexpected situations you may face.
If you can’t get to hospital yourself, you can request an ambulance by calling 911. However, you might be asked to pay towards it, even if you have health insurance.
Certain parts of the USA can experience extremely hot and dry conditions, while others can be bitterly cold. For detailed advice on air quality, heatwaves, and other climate factors that could impact your health, head to the National Weather Service.
Frequently asked questions about health insurance in the USA
The exact cost of your Cigna medical insurance in the USA will depend on the plan you choose (Silver, Gold or Platinum), plus any optional add-ons you sign up for. The cost of paying monthly might also be slightly different to doing so quarterly or annually.
Without health insurance, you could fall into medical debt or be forced to delay important treatments. Certain US states can also charge tax penalties if you lack adequate cover. So, there are serious financial and health risks to being uninsured.
There’s no longer a requirement to have health insurance in the USA at a federal government level. But some states may still impose tax penalties on people without it. For example, California and Massachusetts.
No, international visitors, whether they’re students or otherwise, don’t receive free healthcare in the USA. So, if you’re planning to study in America as an international student, you may benefit from a private healthcare policy.
Yes, there’s health insurance for international students available in the USA. If you’re staying in the US as an international student, it’s recommended that you get student health insurance to cover yourself should you ever need medical treatment. Take a look at our USA student and expat insurance plans to find a suitable policy for your needs.
Foreign travelers, expats and students in need of medical care in the USA will have to pay for any treatments they receive if they don’t have valid insurance. Prices are likely to be high – it’s claimed that getting a few stitches at a hospital emergency room could cost hundreds of dollars. As a result, many foreigners buy tailored health insurance in the USA.