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A quality health plan, including cover for hospital stays, treatments, and a substantial overall annual benefit limit.
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Comprehensive coverage, including inpatient maternity care with higher limits on most of the benefits
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Cigna Global's elite level plan, with no overall annual benefit limit, and most benefits are paid in full.
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- Annual benefit limit: $1,000,000
- Cancer Treatment
- Add Modules as needed
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- Annual benefit limit: $2,000,000
- Cancer treatment
- Inpatient Maternity
- Travel Safety App
- Add Modules as needed
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- Annual benefit limit: Unlimited
- Cancer care
- Inpatient Maternity
- Mental Health care paid in full
- Travel Safety App
- Add Modules as needed
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| ENHANCE YOUR PROTECTION WITH OPTIONAL MODULES |
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International
Outpatient
Extensive outpatient care for treatments where an overnight hospital stay is not required. Includes prescribed outpatient drugs, dressings, and much more. |
International Medical
Evacuation & Crisis Assistance Plus
Covers medical evacuation in the event of emergency treatment not being available locally. Includes repatriation of the beneficiary to return to their country of habitual residence, or nationality. |
International Health
& Wellbeing
Proactively manage your health – screen and test against diseases and common illnesses. Get reassurance through routine physical exams. |
International Vision
& Dental
Vision care including your routine eye examination and a range of preventative, routine and major dental treatments. |
| Module In Detail |
Module In Detail |
Module In Detail |
Module In Detail |
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International Health Insurance for Expats... |
  As we continue to grow as a Global Society, traveling and living outside the borders of your home country is just about as common as vacation travel. Cigna Global Expatriot health insurance was designed to cover those who do exactly that - live and work abroad. It is no secret that the quality of health care varies dramatically around the world. When you move to a new country it may be exciting but the level of care in your new country may be lacking and not to the standards of your home country. In addition as foreign nationals you more than likely will not have access nor be entitled to any subsidized healthcare. It is important to consider an expatriate health plan that will provide for your health care needs should the need arise.
Today there are several companies to consider when it comes to finding the right International policy that will fit the needs of you and your family. Cigna Global offers a unique approach to International health coverage in that they have created a modular approach to building the International Health Insurance coverage you need. Starting with the CORE insurance policy which provides protection for essential hospital stays and treatment and then tailor the rest of your plan by adding the essential components you feel are necessary.
This unique modular approach to International Health Insurance allows you to customize the plan to meet your families needs all the while keeping cost in mind. This is a bit of departure for U.S. based citizens as we are used to having a singular comprehensive plan approach to our medical insurance needs. Outside the borders of the United States health care needs can be tailored to meet family, budgetary, and be more country specific. Choosing the right plan with Cigna Global can seem a fit intimidating but that is what we are for - we are here to help!
Do I Need An Expat Policy?
This is a question that must be asked by everyone who travels outside their home country and there are certain guidelines that can help you determine if your International Health Insurance needs are Short-Term in nature or they are Long-Term. The basic rule of thumb is that if you have plans to live outside your home country for 90 days or more per year than you are probably considered an Expat in need of Long-Term coverage. Although Cigna Global does not offer a Short-Term Travel Medical policy (which are generally available up to 180 days) the baseline is 3 months abroad. So if one might be gone more than 90 days but less than 180 Cigna Global's plans might be the right choice. Short-term Travel Medical plans ARE NOT renewable but the Expat plans from Cigna Global are. Once issued you can renew them monthly for as long as the need exists.
The Cigna Individual International Health Plans...
The starting point to design your Cigna Global International Health plans is to choose from one of three distinct Core Plan Designs. Cigna Global offers three essential core plans - Silver, Gold and Platinum to choose from. The Cigna core policies provide coverage for inpatient, day case surgery and accommodation costs. In addition, essential cover for cancer and psychiatric care are provided for. Gold and Platinum policies also offer coverage for routine maternity.
Cigna Global Offers Several Ways to Save $ Money
Please reach out to us. As a Premier Partner with Cigna Global we have ways in which we can help you and your family $AVE Money on the cost of your insurance. We can help  you save up to an additional 20% on the cost of your insurance AND even offer you Benefit Modules giving you a more comprehensive set of benefits at a lower cost. Cigna Global wants to earn your busniess. We understand how difficult this journey can be and we are here to help and so it Cigna!
Cigna Close Care - NEW Lower Cost Alternative
Cigna Global now offers a new product called CloseCare. The Cigna Global Close Care Plan is new plan design that provides a real pathway to keeping your International health insurance premiums down. This new plan design focuses on the Expat who plans to live outside their home country but have little plans to spend time outside either their home country or the country they are traveling to. The extreme benefit of this type of plan is that you only pay for the coverage where you need it most, in the country you will be living and when you return home for temporary visits. CLICK HERE for more...
CIGNA GLOBAL PLAN - Tailoring a plan for you and your family is simple |
Cigna Global Health Options helps you create a health insurance plan that’s perfectly tailored to the needs of you and your family. We offer you the reassurance of comprehensive core cover, and the flexibility of adding the extra benefits as you want. Our handy graphic below explains how our plan works.
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 STEP 1. SELECT YOUR CORE PLAN
International Medical Insurance - Start with one of our core inpatient plans, International Medical Insurance, which covers you for essential hospital stays and treatments, surgeon & consultation fees, hospital accommodation, cancer treatment and much more. Our Gold and Platinum plans also give you cover for inpatient and day-patient maternity care.
Annual Benefits - Up to the maximum amount shown per period of cover
- SILVER: $1,000,000 / €800,000 / £650,000
- GOLD : $2,000,000 / €1,600,000 /£1,300,000
- PLATINUM: Unlimited
Two Areas of Coverage - WORLDWIDE COVERAGE EXCLUDING USA OR WORLDWIDE COVERAGE INCLUDING USA |
STEP 2. ADD YOUR OPTION MODULES
International Outpatient - More extensive outpatient care for treatments where hospital admission as a day-patient or inpatient is not required. Includes consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre-natal and post-natal outpatient care (Gold and Platinum only), physiotherapy, osteopathy, chiropractic and much more. |
International Medical Evacuation & Crisis Assistance Plus - Medical evacuation in the event that treatment is not available locally in an emergency, as well as repatriation, allowing the beneficiary to return to their country of habitual residence or nationality. Also includes compassionate visits for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness and the beneficiary has not been evacuated or repatriated. |
| International Health & Wellbeing - Proactively manage your own health. Screen against disease, test against common illnesses and get reassurance with routine physical exams. Also benefit from counseling support and our Online health education programmer. |
International Vision & Dental - Vision care covering your eye tests, spectacle lenses, spectacle frames, prescription sunglasses and contact lenses, and a wide range of preventative, routine and major dental treatments |
STEP 3. MANAGE YOUR PREMIUM
Deductible options: The initial amount you must pay before Cigna will pay your claims.
Cost share options: The percentage of each claim which you must pay after your deductible has been paid, up to your out of pocket maximum.
Note: deductibles and cost shares apply separately to each beneficiary and period of cover. You can choose different levels for your core plan and the optional International Outpatient module. |
STEP 4. PAY FOR YOUR PLAN
You can choose to pay for your premiums on a monthly, quarterly, or annual basis. You can make payments by debit or credit card, or alternatively if you pay annually, you can pay by bank wire transfer.
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Cigna Platinum Plan Richer
Two of the Core Modules, the Core Cover or Inpatient module and the International Outpatient module which create the foundation that your medical plan is built upon. Previously their flagship plan the Platinum Level had overall annual limitations of $3,000,000 maximum for Inpatient services. On the Outpatient module it was limited to no more the $78,000 USD per annual period. That all change January 23rd, 2016! Cigna Global increasing these amounts to UNLIMITED both on the Inpatient Core module and the International Outpatient module.
This was a huge gain for the International Expat living abroad who seeks the very best in International Medical Coverage. Many customers have expressed concerns about the limitations especially the Outpatient limitation of $78,000. Well no longer is this a concern. Cigna Global just stepped up to the plate and they are now running head to head plans like the Xplorer Premier with GeoBlue. Just these two enhancements are really something to talk about but there is more…
Click Here for Current Cigna Customer Guide...
Out of Area Cover and Maternity Changes
In addition to the above enhancements to the Core Inpatient and International Outpatient modules Cigna Global is adding Emergency treatment in the USA for Worldwide Customers excluding USA Customers. For those USA Customers they still have the option to add Home Country cover for an additional premium. For Maternity coverage Cigna Global is moving routine pre- & post-natal outpatient care to the Outpatient module. Now 12 month waiting period across all maternity benefits. |
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Silver |
Gold |
Platinum |
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| Deductible options of $0, $375, $750, $1,500, $3,000, $7,500 & $10,000 |
- Overall annual benefit - $1,000,000
- Inpatient, day patient & accommodation costs - Paid in full for semi-private room
- Total cover for cancer
- Psychiatric cover - $5,000
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- Overall annual benefit - $2,000,000
- Inpatient, day patient & accommodation costs - Paid in full
- Total cover for cancer
- Psychiatric cover - $10,000
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- Overall annual benefit - Unlimited
- Inpatient, day patient & accommodation costs - Paid in full
- Total cover for cancer
- Psychiatric cover - Paid in full
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International Outpatient
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| Deductible options of $0, $150, $500, $1,000, $1,500 |
- Overall benefit - $10,000
- Consultations with medical practitioners & specialists - $125/ visit - 15 visits/ year
- Pathology, radiology & diagnostic test - 100% up to $2,500
- Drugs & dressings - 100% up to $500
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- Overall benefit - $25,000
- Consultations with medical practitioners & specialists - $250/ visit - 30 visits/ year
- Pathology, radiology & diagnostic test - 100% up to $5,000
- Drugs & dressings - 100% up to $2,000
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- Overall benefit - Unlimited
- Consultations with medical practitioners & specialists - Paid in full
- Pathology, radiology & diagnostic test - Paid in full
- Drugs & dressings - Paid in full
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International Medical Evacuation
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- Overall benefit limit - Paid in full
- Compassionate visit travel cost - 100% up to $1,200
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- Overall benefit limit - Paid in full
- Compassionate visit travel cost - 100% up to $1,200
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- Overall benefit limit - Paid in full
- Compassionate visit travel cost - 100% up to $1,200
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International Health & Wellbeing
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- Routine adult physical exams - 100% to $225
- Standard health screenings - 100% to $225
- Dietetic consultation 4 meetings - not covered
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- Routine adult physical exams - 100% to $450
- Standard health screenings - 100% to $450
- Dietetic consultation 4 meetings - not covered
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- Routine adult physical exams - 100% to $600
- Standard health screenings - Paid in full
- Dietetic consultation 4 meetings - paid in full
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International Vision & Dental
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- One eye examination - 100% to $100
- Dental benefit limit - $1,250
- Routine dental - 80% refund
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- One eye examination - 100% to $200
- Dental benefit limit - $2,500
- Routine dental - 90% refund
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- One eye examination - Paid in full
- Dental benefit limit - $5,500
- Routine dental - Paid in full
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Emergency Medical Evacuation
 World travelers need to properly protect themselves against financial exposure due to catastrophic medical events. If comprehensive travel medical benefits and assistance services are not secured before you travel, you could find yourself exposed to huge losses - both physical and financial. Though illness can strike at any time, when severe incidents occur overseas, lack of proper coverage can leave you the traveler with steep medical bills for less than sufficient care.
As a global traveler you need to be prepared for the possibility that you could find yourself in a location where the Medical Care is poor or inaccessible. In the event you find yourself in a situation where you need to be evacuated to an area where you can receive the appropriate level of care then you need to make sure your International coverage includes a comprehensive Emergency Medical Evacuation benefit. Medical evacuations are not a simple procedures and they can be extremely complicated and expensive. This must be available to you 24/7 no matter where in the world your travels take you. In addition you need a partner who is capable of organizing and caring out the evacuation no matter where you find yourself.
Considerations for any medical evacuation are:
- Evaluating the appropriateness of local health care providers
- Identifying the closest facility where a high level of care is available
- Determining the risk vs rewards of moving the patient
- Choosing the best method of transport (ie: ambulance, helicopter, fixed wing air ambulance)
- Securing the cooperation of the local treating physician, including a determination that the patient is stable enough to move
- Enlisting the most appropriate team to handle the transport (ie: doctor, nurses, therapist)
- Arranging for speedy and appropriate intake at the receiving facility
- Having someone on your side helping guide you through the whole process - that is Cigna Global...
Make sure when you travel, you travel with a full service, travel health plan that provides a higher level of protection and peace of mind than standard evacuation memberships offer. If you are not sure about your current plan or one you are considering make sure you get a copy of your certificate of coverage and read it. Make sure you have a complete picture of what you are buying. Then cover yourself with any one of the Cigna Global plans by simply adding the Medical Evacuation Benefit to your Core Module.
Cigna's Customer Promise
Cigna Global is no stranger to customer service. For more than 30 years Cigna has delivered exceptional customer service to their global customers. Cigna promises to deliver to each policy holder:
- Globally compliant healthcare plans
- Customer Services available 24 hours a day
- Quick and easy access to healthcare facilities and professionals around the globe via extensive networks
- Cigna will reimburse your treatment provider directly in most cases. In rare occasion where you are required to pay for services yourself Cigna aims to reimburse you within 5 working days
- Payment can be received in over 135 currencies
- Four integrated customer services centers around the world, available free phone around the clock with medical advice, assistance and administration support
 Access to Cigna Global Network of over 1 million quality providers- Simplified claims process that enables you to access treatment without paying in many cases
- Access to country specific healthcare advice and your healthcare documents
Cigna Brings Customer Service to Your Mobile Device
Cigna Global is not only there to assist you 24/7 via the Internet and by phone communication they also offer you a new SmartPhone App that you can download to your phone giving you the ultimate traveling companion. SafeTravel was developed by leading travel security experts for Apple and Android devices. Cigna's GOLD and PLATINUM customers will be able to access global travel advice, real-time alerts, news on breaking incidents, and an Online document storage facility from anywhere in the world.
CLICK HERE FOR MORE INFORMATION ABOUT TRAVESAFE MOBILE APP
How to Create Your Plan...
 Select your Core Level of International Medical Insurance- Add as many optional benefits as you wish
- International Outpatient
- International Medical Evacuation
- International Health and Wellbeing
- International Vision and Dental
- Find your monthly rate
How to Apply for Coverage
Anyone who is an Expatriate from their home country is eligible to apply for coverage. All applications go through the Medical Underwriting process to determine eligibility based on your health status. Prices vary with age, citizenship, residence, product and benefit design. The link provided here for rates includes rates that are indicative only and your actual rate may vary. To get an more accurate quote call us with your information and we will send you a quote specific to your needs or Click Here for an Online quote.
Singapore, United Kingdom, Hong Kong, Greece, Cyprus, Malta & Romanian Nationals Welcome...
If your home country is Singapore, United Kingdom, Hong Kong, Greece, Cyprus, Malta or Romania and you are not an Expat from your home country but you want to purchase Global Private Insurance you are in luck. Cigna Global will write citizens of these seven countries even though they are not travelers. Take advantage of true Global Coverage and add a private International Health Insurance option to your country's domestic insurance.
 Cigna Global has removed the 90 day Home Country clause in these seven countries enabling access to care across the globe as well as within their Home Country. This is a value add for the High Net Worth Individual living within these countries in that they now have the option to purchase the additional cover which provided them access to medical care ANYWHERE in the world including their home country. If you are a citizen of one of these countries you can now generate a quote for you and your family by clicking the GET A QUOTE button above.
The Application Process
Applying for cover is easy and convenient to do. Once you have decided which plan options are the right ones based on your quote you simply complete the enrollment form Online directly from the Online quote. If you have questions during the application process please reach out to me via email "sales@individualhealth.com". If you would like us to help you with a personalized quote click on the link below and we will respond in a timely manner.
If you prefer to complete your application OFF Line then you can open the Paper version of the Cigna Global application by clicking on the image link to the right. This application file will open as an Adobe Acrobat PDF FILLABLE file. You can complete the application on your computer and then print it out when compete. You can submit your Cigna Global application by FAXING it to us to FAX# 1-307-459-0314 or you can save it to your computer as a PDF file if you have Adobe Acrobat or you can print it out and then scan it and email to "Sales@Individualhealth.com" If you have questions simply give us a call.
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