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Cigna Expat Health Insurance Plans in China

Cigna Global is an international insurance provider that offers expats comprehensive international health insurance plans during their time in China. Expats can choose from their Silver, Gold, Platinum, and Close Care health insurance plans. 

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Are you an expat looking for flexible international health insurance while you live in China? Do you want to know more about the plans Cigna offers? This article from Pacific Prime will share all the details you need to make an informed decision. 

We will discuss the coverage and benefits that Cigna insurance offers for expats in China. We will also share considerations for expats when choosing their health insurance plan in China. Keep reading to learn more! 

Cigna is one of the best health insurance companies for expats. Discover more here.

Cigna Global Health Insurance Plans for Expats in China

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Cigna Global offers international health insurance to expats in China through their Silver, Gold, Platinum, and Close Care health insurance plans. Each of these plans has differing levels of coverage and annual limits and is designed for a wide variety of healthcare needs and budgets. 

With Cigna’s international health insurance plans, expats can use private health facilities in the country and not have to pay the full bill out-of-pocket. This can be a great relief, as private healthcare can be costly. 

Public healthcare is an option for expats in China, but the quality of care can be unpredictable. China offers public, free healthcare access to its citizens, permanent residents, and some eligible expats, but it will only grant them access to public healthcare facilities. 

If you’d like access to private healthcare facilities with multilingual staff, shorter waiting times, and high-quality care, private expat health insurance through providers like Cigna is the right choice for you. 

Why Expats in China Choose Cigna Health Insurance

Expatriates in China choose Cigna Global international health insurance plans due to their comprehensive coverage, a broad global network of 1.65 million hospitals, doctors, and clinics, and excellent customer service and support. 

  • Comprehensive Coverage: Cigna’s health insurance plans offer a wide array of benefits with high annual limits. With Cigna’s different healthcare packages, expats have the ability to choose between plans to find the fit that works best for them. 
  • Broad Global Network: As the largest international insurance provider on the market today, Cigna has a vast global network that connects its policyholders to 1.65 million hospitals, doctors, and clinics. 
  • Excellent Customer Service: Cigna offers 24/7 access to customer support through their customer care team. Their insurance experts can help you find access to medical care near you, as well as help you with any language barriers in your healthcare. 

Cigna Global Expat Health Insurance Coverage 

Cigna offers comprehensive coverage through its international health insurance plans for expats in China with inpatient and outpatient services, medical evacuation, and vision and dental benefits. 

Each of Cigna’s health insurance plans Silver, Gold, Platinum, and Close Care have unique coverage and annual limits, which we will explain in further detail below. 

Cigna Silver Plan for Expats in China

The Silver plan offers standard benefits of inpatient and daypatient coverage, full cancer care, and more. The geographical coverage of the plans can be purchased with USA coverage, or without USA coverage to save on premiums. The Silver plan has an annual limit of USD $1,000,000

The core benefits of the Silver plan are: 

  • Inpatient and daypatient coverage
  • Full cancer care 
  • Newborn care coverage
  • Private hospital rooms
  • Hospital stays and treatments 

Some additional coverage that can be added to these plans are: 

  • Dental and vision benefits
  • Evacuation and Crisis Assistance Plus™
  • Outpatient services
  • Health and wellbeing services

Cigna Gold Plan for Expats in China

The Gold plan is a more comprehensive choice with inpatient maternity coverage added to its core benefits. The geographical coverage of the plans can be purchased with USA coverage, or without USA coverage to save on premiums. The Gold plan has an annual limit of USD $2,000,000

The core benefits of the Gold plan are: 

  • Inpatient and daypatient coverage
  • Full cancer care 
  • Inpatient maternity services
  • Private hospital rooms
  • Hospital stays and treatments
  • Newborn care 

Some additional coverage that can be added to these plans are: 

  • Dental and vision benefits
  • Evacuation and Crisis Assistance Plus™
  • Outpatient services
  • Health and wellbeing services

Cigna Platinum Plan for Expats in China

As the most comprehensive plan that Cigna offers, the Platinum plan has an unlimited annual limit and offers mental and behavioral health care coverage paid in full. The geographical coverage of the plans can be purchased with USA coverage, or without USA coverage to save on premiums.

The core benefits of the Platinum plan are: 

  • Inpatient and daypatient coverage
  • Full cancer care 
  • Inpatient maternity services
  • Private hospital rooms
  • Hospital stays and treatments 
  • Mental and behavioral health care
  • Newborn care 

Some additional coverage that can be added to these plans are: 

  • Dental and vision benefits
  • Evacuation and Crisis Assistance Plus™
  • Outpatient services
  • Health and wellbeing services

Cigna Close Care Plan for Expats in China

The Cigna Close Care plan was designed for members who need coverage in their country of residence and their country of nationality. This means this plan will cover expats in China and their home country. This plan offers essential healthcare coverage with an annual limit of USD $500,000.

The core benefits of the Close Care plan are: 

  • Inpatient and daypatient coverage
  • Semi-private hospital room
  • Full cancer care
  • A condition limit of USD $250,000

Some additional coverage that can be added to these plans are: 

  • Outpatient and Wellness Care
  • Dental Care and Treatment

Cigna Expat Health Insurance Additional Benefits Explained

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Additional benefits can be added to Cigna’s international health insurance plans to further extend their coverage. The Silver, Gold, and Platinum plans offer more additional benefit options than the Close Care plan, which only allows Outpatient and Wellness Care and Dental Care and Treatment. 

We will explain these additional benefits in further detail below:

Evacuation and Crisis Assistance Plus™

Cigna offers expats medical evacuation coverage and Crisis Assitance Plus™ as add-on benefits to their Silver, Gold, and Platinum plans. 

A medical evacuation occurs when a person needs emergency transportation to another hospital for treatment due to an accident or severe illness. With medical evacuation coverage, you will have financial support for the cost of your transportation, compassionate visits, and global crisis services. 

Cigna offers Crisis Assistance Plus™, which is a worldwide crisis assistance program that provides time-sensitive advice and crisis response if you have a travel or security risk when traveling. This can be helpful while traveling during a pandemic, natural disaster, or terrorist attack. 

Health and Wellbeing Services

Cigna offers expats health and wellbeing services as add-on benefits to their Silver, Gold, and Platinum plans. These services include valuable medical care through health screenings, exams, and a Life Management Assistance Program, and more. 

Through its Life Management Assitance Program, Cigna offers its policyholders access to short-term counseling, nutrition and dietary advice, mindfulness coaching, and other emotional and physical support tools to help their policyholders live the healthiest lives they can. 

Pre-Existing Condition Coverage for Cigna Expat Health Insurance

Cigna may choose to cover some pre-existing conditions with special exclusions. A pre-existing condition is a medical condition that you have been diagnosed with or received medical treatment for before you signed up for an international health insurance policy. 

When applying for a plan, you will be prompted to fill out a medical questionnaire that will ask if you have any pre-existing conditions. After you submit your questionnaire, Cigna will determine whether they choose to cover your condition. 

For more information about pre-existing conditions, ask our insurance experts.

Considerations for Expats Choosing Cigna Health Insurance

Some factors to consider when choosing a Cigna health insurance plan include your budget, any coverage limitations, and whether you’ll need additional coverage to supplement your plan. 

By taking into account these considerations you’ll be better able to find the right plan for you. 

  • Your Budget: If you don’t have much to spend on a health insurance plan, you can choose a more basic plan such as the Silver or CloseCare option. These plans offer essential coverage but with lower limits. If you want more comprehensive care, you will need to pay more for the Gold or Platinum plan. 
  • Coverage Limitations: Will you be needing a lot of medical care over the next year and need a high annual limit? If so, you will likely want to choose a plan with higher limits to allow for more coverage. The Platinum plan offers unlimited annual limits for its policyholders. 
  • Additional Coverage: If you’re looking for vision or dental care, you will want to purchase additional coverage when selecting your plan. Vision, dental, outpatient treatment, and other optional services do not come automatically with your plan. 

Frequently Asked Questions: 

Does Cigna health insurance offer coverage in China? 

Cigna offers international health insurance coverage in China through their Silver, Gold, Platinum, and CloseCare plans. Any of these health insurance plans will provide comprehensive coverage for expats and foreigners during their time in China. 

Can foreigners buy health insurance in China? 

Foreigners can buy health insurance in China from international health insurance providers. These private health insurance policies can grant them access to private healthcare facilities. Private facilities are typically better staffed than public facilities and offer shorter waiting times.

How can I qualify for an insurance plan with Cigna Global? 

Expats from any nationality can qualify for a Cigna Global international health insurance plan as long as they are 18 years old or above. 

Conclusion

With Cigna’s multiple options of plans, expats in China can find the right health insurance plan for their needs and budget. Cigna international health insurance provides financial support and healthcare coverage for foreigners while abroad in China and wherever else their adventures take them. 

Ready to begin exploring quotes from Cigna? Perhaps you’d like to compare other plans. However you’d like to begin your journey in finding the right health insurance policy for you, the insurance experts at Pacific Prime are here to help! 

We offer free and unbiased advice to all our clients and utilize our over 20 years of experience in the insurance market to help you find the best insurance solution for your needs. Visit us online to chat with us or to use our free quote tool! 

Enjoyed this article? Check out our other blog articles with topics like MSH International Expat Health Coverage in China and Parenthood and Pediatric Care in China for Expats!

Head of Content at Pacific Prime
Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
Serena Fung