Cigna Expat Insurance: Coverage for Global Living
Cigna provides expats around the world access to quality global health insurance with comprehensive coverage and sizeable benefits catered specifically to expats’ lifestyles. With an extensive and globally interconnected medical network, Cigna is a leading insurance provider.
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In this Pacific Prime article, we will dive deep into the coverage and benefits of Cigna Global Health Insurance, a flexible and expat-oriented insurance plan designed to meet all your needs. From that, you can make informed decisions about which insurance you should secure.
Why Do Expats Need Global Health Insurance?
Global health insurance is what you need to qualify for medical attention through the private healthcare system, bridging the gap between you or your family and accessing medical care in a foreign country.
Global health insurance is a type of insurance plan that provides coverage and benefits to individuals living abroad in a foreign country. These plans usually cover expenses for medical services that an expat would normally need in a foreign country.
The healthcare system is distinct and functions differently in each country. When you move abroad, accessing medical treatment may be different from what you are used to back home. You may be subject to longer wait times as a foreigner in the country.
Why Do Expats Choose Cigna?
Cigna possesses over 50 years of global experience and is trusted and recognized worldwide. With an extensive international workforce, Cigna serves over 180 million clients from more than 200 countries and jurisdictions, offering global insurance solutions to access quality healthcare.
Cigna has an international medical network, partnering with nearly 1.7 million medical providers around the world, including 175,000 mental and behavioral health services providers, and 14,000 facilities and clinics of different scales, to open up access to and options for quality care to customers.
Overview of Cigna Expat Insurance
Cigna Global Health Insurance aims to assure access to the best doctors and medical facilities to provide expats with the healthcare services they need, without needing to worry about inadequate service under the public healthcare system of the country of residence.
Cigna Global Health Insurance: Coverage
From providing a wide range of standard coverage to offering an exhaustive list of options for add-ons, expats can enjoy comprehensive coverage while having the freedom to customize the plan to suit their healthcare needs and budget.
Standard Coverage
Here is a list of standard benefits included in all levels of coverage – Cigna Silver, Cigna Gold, and Cigna Platinum.
|
Cigna Global Health Insurance |
|||
| Level of Coverage | Silver | Gold |
Platinum |
| Annual Overall Benefit Maximum | USD $1,000,000 | USD $2,000,000 | Paid in full* |
| Hospital charges for Inpatient & patient treatment | Paid in full (Private room) | ||
| Hospital accommodation for a parent or guardian | USD $1,000 | USD $1,000 | Paid in full |
| Pandemics, epidemics, and outbreaks of infectious illness | Paid in full | ||
| Inpatient cash benefit (Per night up to 30 days per beneficiary per period of cover) | USD $100 | USD $100 | USD $200 |
| Accident and Emergency Room Treatment (For necessary emergency treatment) | USD $500 | USD $1,000 | USD $1,200 |
| Transplant services | Paid in full | ||
| Advanced Medical Imaging as part of a treatment (MRI, CT, and PET scans) | USD $10,000 | USD $15,000 | Paid in full |
| Rehabilitation (Physiotherapy, occupational therapy, speech therapy, cardiac and pulmonary rehabilitation) | USD $5,000
Up to 30 days |
USD $10,000
Up to 60 days |
Paid in full
Up to 90 days |
| Home Nursing | USD $2,500
Up to 30 days |
USD $5,000
Up to 60 days |
Paid in full
Up to 120 days |
| Acupuncture and Chinese Medicine | USD $1,500 | USD $2,500 | Paid in full |
| Palliative care
– Home care – Inpatient and daypatient hospital care and treatment – And more |
USD $35,000 | USD $60,000 | Paid in full |
| Prothetic devices | Paid in full | ||
| Local ambulance & air ambulance services | Paid in full | ||
| Treatment for obesity (2-year waiting period) | No Coverage | 70% refund
Up to USD $20,000 |
80% refund
Up to USD $25,000 |
| Congenital conditions | USD $5,000 | USD $20,000 | USD $39,000 |
| Out-of-Area Emergency Hospitalization Cover | USD $100,000 | USD $250,000 | Paid in full |
| Mental and Behavioral health care (As part of inpatient, daypatient treatment) | USD $5,000
Up to 30 days |
USD $10,000
Up to 60 days |
Paid in full
Up to 90 days |
| Cancer preventive surgery | 70% refund
Up to USD $10,000 |
80% refund
Up to USD $18,000 |
90% refund
Up to USD $18,000 |
| Cancer care | Paid in full | ||
| Cancer-related appliances | USD $125
per lifetime |
||
*Paid in full = full coverage up to annual benefit overall maximum
*Premiums can also be paid and calculated with EURO (€) and GBP (£)
Optional Coverage
There are a total of four optional modules that customers can freely add to their plans according to individual needs to extend their insurance coverage. These options are international outpatient services, medical evacuation, health and wellbeing, and vision and dental.
We will also briefly provide all the major benefits of each optional module, all summarized in a table.
International Outpatient
Expenses for outpatient services will be covered. This applies to medical services where hospital admission is not required. For example, consultations with general practitioners (GP) and specialists and prescribed drugs.
| International Outpatient (Optional Module) | |||
| Level of Coverage | Silver | Gold | Platinum |
| Annual Maximum | USD $15,000 | USD $35,000 | Paid in Full |
| Consultations with GP and Specialists | USD $2,500 | USD $5,000 | Paid in Full |
| Prescribed Drugs | USD $1,500 | USD $3,000 | Paid in Full |
| Outpatient Rehabilitation | USD $5,000 | USD $10,000 | Paid in Full |
| Pre-natal and Post-natal Care | Not Covered | USD $3,500 | USD $7,000 |
| Adult Vaccinations | USD $250 | Paid in Full | |
Medical Evacuation
This is the coverage for emergency medical evacuation. Related costs such as compassionate visits, emergency transport to a medical center, and medical repatriation will be covered.
| Medical Evacuation (Optional Module) | |||
| Level of Coverage | Silver | Gold | Platinum |
| Annual Maximum | Paid in Full | ||
| Medical Evacuation | Paid in Full | ||
| Medical Repatriation | Paid in Full | ||
| Compassionate Visit – Travel Costs | USD $1,200 | ||
| Compassionate Visit – Living Allowance Costs | USD $155 | ||
Health and Wellbeing
This provides you with the tools for health management, for example, routine physical examinations, preventative cancer screenings, and access to wellness coaches and emotional support workers to enhance physical and mental well-being.
| Health and Wellbeing (Optional Module) | |||
| Level of Coverage | Silver | Gold | Platinum |
| Mental and Behavioral Support | Paid in Full | ||
| Telephone Wellness Coaching | Paid in Full | ||
| Routine Physical Examination | USD $225 | USD $450 | USD $600 |
| Dietic Consultations | Not Covered | Paid in Full | |
Vision and Dental
Dental coverage provides financial reimbursement for preventative, routine, and major dental treatments. Vision coverage, on the other hand, covers costs for routine eye examinations and glasses and lenses.
| Vision and Dental (Optional Module) | |||
| Level of Coverage | Silver | Gold | Platinum |
| Eye Test | USD $100 | USD $200 | Paid in Full |
| Glasses and Lenses | USD $155 | USD $310 | |
| Preventative Dental | Paid in Full | ||
| Routine Dental | 80% Refund | 90% Refund | Paid in Full |
| Major Restorative | 70% Refund | 80% Refund | Paid in Full |
| Orthodontic Treatment | 40% Refund | 50% Refund | |
Benefits of Cigna Expat Insurance
From year-round customer support to continuous coverage, expats can benefit from unparalleled perks upon enrolling in Cigna Global Health Insurance.
24/7 Customer Support
With their global operation, Cigna has insurance professionals to stand by and assist you no matter when and where you are. This gives you peace of mind knowing someone is always available to answer your call whenever you need hospitalization or to make a claim.
Continuous Coverage
As expats in a foreign land, you might inevitably need to travel back home or to other countries. Cigna Global Health Insurance continues to cover you during your period back home or in other countries, so you don’t have to worry about accessing medical care wherever you go.
Access to Online Resources
Cigna as a big name in the insurance industry is resourceful in online healthcare services provision. For example, you can access their stress toolkit, online communities for peer support, and mobile applications to get expert assistance and emotional support at your fingertip.
Enrolling in Cigna Expat Insurance
Expats can enroll in Cigna Global Health Insurance with just two steps if they meet the following requirements:
- Living Abroad
- Over 18 but under 99
You can immediately submit your application form, along with required documents such as identity proof, address proof, and medical history. Be sure to be truthful and transparent with your medical history as claims could be denied if found problematic.
Work With a Reputable Broker
Another way to enroll in Cigna Global Health Insurance is to work with a trusted broker such as Pacific Prime. By working with a broker, you enjoy a range of benefits at no extra costs.
Not only you can get unbiased information from a broker, but also you will receive practical support when it comes to processing claims and negotiating with insurers. The best thing is, you have all these services with no extra costs incurred!
Frequently Asked Questions
What does Cigna Expat Insurance cover?
Cigna Expat Insurance covers medical expenses, including doctor visits, hospitalization, prescriptions, and emergency care. It may also cover pre-existing conditions, preventive care, maternity care, and mental health services.
How much does Cigna Expat Insurance cost?
The cost of Cigna Expat Insurance varies based on factors like age, health condition, location, and coverage level. Premium rates, deductibles, copayments, and additional fees contribute to the overall cost. Contact Pacific Prime to compare and find the best deal for you!
Can I use Cigna Expat Insurance worldwide?
Cigna Expat Insurance can be used worldwide, offering coverage in multiple countries. It has a network of healthcare providers and hospitals, ensuring access to medical services while abroad.
Conclusion
Cigna offers peace of mind and financial security to expats abroad. Ensuring that you can access quality care, Cigna has an unparalleled network of medical professionals to provide you with the best services in your area.
To help kickstart your insurance journey, you can contact Pacific Prime through the live chat on our official website for general inquiries, or directly contact our professional consultants for insurance-related questions by filling in the form.
If you have decided on the scope of coverage regarding your needs, you can opt for a no-obligation quote and plan comparison using our online system. It sorts out the best plan available to you. You may consider checking out the tutorial beforehand on how to use it, and what it can do for you.
What are you waiting for? Reach out to us today!
Since joining Pacific Prime, Eric was exposed to a new world of insurance. Having learned about insurance products extensively, he has taken joy and satisfaction in helping individuals and businesses manage risks and protect themselves against financial loss through the power of words.
Although born and raised in Hong Kong, he spent a quarter of his life living and studying in the UK. He believes his multicultural experience is a great asset in understanding the needs and wants of expats and globe-trotters.
Eric’s strengths lie in his strong research, analytical, and communication skills, obtained through his BA in Linguistics from the University of York and MSc in Teaching English to Speakers of Other Languages (TESOL) from the University of Bristol.
Outside of work, he enjoys some me-time gaming and reading on his own, occasionally going absolutely mental on a night out with friends.
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