Cigna Global Health

Limited Coverage, A.M. Best Rating: A
Underwriter: Cigna Global Insurance Company Limited

Cigna Global Health (A.M. Best Rating: A) is an international health insurance plan designed for individuals, families, expatriates, and global professionals living or working outside their home country. It provides comprehensive worldwide medical coverage for eligible healthcare expenses, including inpatient and outpatient care, emergency medical treatment, preventive care, and access to Cigna's extensive global provider network. Coverage is available with renewable annual policy terms.

Cigna Global Health provides access to Cigna's worldwide provider network, with direct billing available at many participating healthcare providers.

Cigna Global Health offers coverage for eligible pre-existing conditions, subject to the terms of the policy.

Review the Cigna Global Health policy documents for complete coverage details, exclusions, eligibility requirements, and limitations.

No optional add-on benefits on this plan.

Plan Brochure

How Cigna Global Health Works

Insurance pays = Pre defined dollar amount for each service taken

Your Responsibility = Policy Deductible + Any Difference in Actual Bill and pre defined fixed amount

How does this plan pay?

Cigna Global Health is a fixed dollar based limited coverage plan. The plan pays a pre-defined fixed dollar amount for every service or treatment. These specific amounts are mentioned in the Plan Brochure. The policy maximum is just the outer limit, but there are limits to every service or treatment.

Insurance pays = Pre defined dollar amount for each service taken

Your Responsibility = Policy Deductible + Any Difference in Actual Bill and pre defined fixed amount

Eligibility

Individuals, families, expatriates and international workers
Proof of address (utility bill, bank statements, etc) issued 3 months prior to applying for coverage is required with the application
Copy of either passport, national identity card or drivers license is required with the application
For Ages 18 years to 100 years

Individuals who are living outside of their home country for an extended period of time can purchase Cigna Global Health to receive coverage for medical treatment and services. Families living abroad may also be eligible for coverage under the policy.

You will need names of the travelers, coverage duration, date(s) of birth, country of residence, citizenships, destination's, home country address, and a valid credit card.

Cigna Global Health will cover a policyholder either worldwide including the U.S or worldwide excluding the U.S. In the application process, customers are required to input the new country they will be living in for an extended period.

Once you have completed the application and joined Cigna, you will be able to access your insurance ID card along with other important plan information via the secure online Customer Area provided by Cigna.

Cigna Global Health offers policyholders access to licensed doctors around the world for non-emergency health issues. For emergency related situations, policyholders should seek immediate care. They are able to visit any doctor or hospital.

For those being covered with the U.S, they can access a list of providers within the MultiPlan PPO network.

Cigna Global Health is a monthly or annual health coverage plan that can continue until the policyholder cancels the coverage.

Coverage will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date.

Cigna Global Health can be canceled by terminating the monthly or annual payments being made for the continuing coverage. The policyholders can put in a request with the insurance company.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

Depending on the pre-existing condition, coverage may be available. Policyholders should review their policy documents carefully to understand what health issues may or may not be covered. If a pre-existing condition is covered, it may be after a specified period of time. Please read the policy documents for any limits and/or exclusions.

Please refer to the following link to access information about how to file a claim on your Cigna Global Health plan.

Cigna Claims

Coverage on the travel medical insurance plan will begin on the date of departure (12:01am EST) and once the traveler has left their home country. Coverage areas are anywhere outside one's home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 11:59pm EST on the last date of coverage.

Learn more from informative articles at the Visitor Insurance Information section.

Didn’t find what you are looking for?

Our smart travel assistant Luna is ready to assist you 24/7. She’ll answer your question instantly. Let’s Chat!

Send your question to one of our licensed agents. You’ll receive a response typically within 1 business day.

Ask An Expert

How COVID-19 is Covered Under Cigna Global Health

COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit

No Coverage

Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

0/3 selected

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Cigna Global Health

How Cigna Global Health Works

How does this plan pay?

Eligibility