Cigna Insurance in Mexico
Cigna Global offers international health insurance plans to foreigners in Mexico and worldwide. They have international health insurance plans for individuals, families, and groups and offer unlimited annual limits with their most comprehensive plan.
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Are you moving to Mexico and looking for a new health insurance provider? Perhaps you’re unsure if Cigna insurance is the right fit for your needs and budget. This guide from Pacific Prime will answer all your questions and more.
We will explain why foreigners choose Cigna Global health insurance plans to cover them abroad in Mexico. We will also share a comprehensive overview of Cigna’s core plans and detail their benefits. Keep reading to learn more!
Cigna Global Health Insurance Plans in Mexico
Cignal Global is a leading international health insurance provider that offers comprehensive plans in Mexico to both foreigners and locals. Members can choose from four plan options: Silver, Gold, Platinum, and Close Care.
Cigna Global’s international health insurance plans offer access to private healthcare facilities in Mexico. These private healthcare facilities can be expensive when paying out-of-pocket, but a Cigna plan can help cover the costs to alleviate the financial burden.
Private vs. Public: How the Healthcare System Works in Mexico
The Mexican healthcare system works through public and private healthcare facilities. Public health insurance is provided to Mexican citizens, expat workers, and permanent residents through the Instituto Mexicano del Seguro Social (IMSS).
Access to healthcare varies across the country, with rural areas having less access than urban areas. Public healthcare facilities tend to be crowded and can have long wait times. Private health facilities are more expensive, but they offer shorter wait times and higher standards of equipment.
Why Choose Cigna Health Insurance in Mexico
Expats choose Cigna Global as their health insurance because of its vast network of 1.65 million hospitals, doctors, and clinics, 24/7 customer support and member service, and customizable benefits. These key features set Cigna apart from other insurance providers.
- Vast Global Network: Cigna Global policyholders will be able to receive quality care wherever they travel with Cigna’s expansive network of healthcare facilities and providers. The network will cover them in Mexico and worldwide.
- 24/7 Member Service: A reliable 24/7 member service hotline is available to Cigna Global policyholders, which can offer assistance for a variety of problems. If you need help finding English-speaking doctors or need the number of the local hospital, the member service hotline can help.
- Customizable Benefits: Cigna Global offers benefits that can be tailored to your preferences and needs with each of their plans. You can add vision, dental, or maternity benefits to your plans or opt for only adding outpatient coverage.
Cigna Health Insurance Coverage for Individuals and Families in Mexico
Cigna Global offers health insurance coverage to individuals and families through their four plans: Silver, Gold, Platinum, and Close Care. Their Close Care plan provides the most basic health coverage, while their Platinum plan offers the most comprehensive benefits.
The annual limits for these four plans are:
- Close Care: USD $500,000
- Silver: USD $1,000,000
- Gold: USD $2,000,000
- Platinum: Unlimited
Cigna Close Care Health Insurance Plan in Mexico
The Cigna Global Close Care plan was created for those who need coverage in their country of residence and their country of nationality only. This plan will not include other countries in its network, so it’s ideal for expats who do not plan to travel outside Mexico.
Core benefits included with the Close Care plan are:
- Inpatient and daypatient coverage
- Semi-private hospital room
- Full cancer care
- A condition limit of USD $250,000
The Close Care plan can be further customized with additional benefits. These include outpatient and wellness care and dental care and treatment services.
Cigna Silver Health Insurance Plan in Mexico
Cigna Global’s Silver plan provides those in Mexico with standard healthcare benefits and the option of choosing their geographical coverage. Members can choose to not include the USA in their geographical area of coverage to save on their premiums.
Cigna’s Silver plan’s core benefits are:
- Inpatient and daypatient coverage
- Full cancer care
- Newborn care coverage
- Private hospital rooms
- Hospital stays and treatments
Optional benefits can be added to extend the coverage of the Silver plan. These benefits include:
- Dental and vision benefits
- Evacuation and Crisis Assistance Plus™
- Outpatient services
- Health and well-being services
Cigna Gold Health Insurance Plan in Mexico
Cigna’s Gold plan is a more comprehensive choice than the Silver plan and offers inpatient maternity coverage along with their core benefits. Similarly to the Silver plan, members can choose whether to include or exclude the USA in their geographical coverage.
The core benefits of Cigna’s Gold plan are:
- Inpatient and daypatient coverage
- Full cancer care
- Inpatient maternity services
- Private hospital rooms
- Hospital stays and treatments
- Newborn care
The optional benefits that can be added to the Gold plan are:
- Dental and vision benefits
- Evacuation and Crisis Assistance Plus™
- Outpatient services
- Health and well-being services
Cigna Platinum Health Insurance in Mexico
Cigna’s Platinum plan is the most inclusive of all the health insurance plans, with an unlimited annual limit, newborn care, and mental healthcare benefits covered in full. As with Gold and Silver plans, Platinum offers the choice of geographical area of coverage.
The Platinum plan includes these core benefits:
- Inpatient and daypatient coverage
- Full cancer care
- Inpatient maternity services
- Private hospital rooms
- Hospital stays and treatments
- Mental and behavioral health care
- Newborn care
The additional benefits that can be added to the Platinum plan are:
- Dental and vision benefits
- Evacuation and Crisis Assistance Plus™
- Outpatient services
- Health and well-being services
Cigna Health Insurance in Mexico Optional Benefits
Cigna Global offers optional benefits for its plans, including outpatient coverage, wellness care, dental and vision care, and Evacuation and Crisis Assistance Plus™. These optional benefits can be added to Cigna’s four core plans to tailor coverage to members’ needs.
It is important to note that the Close Care plan can only be customized with the outpatient and dental optional benefits.
Outpatient Coverage Benefit
The optional outpatient medical coverage benefit covers general practitioner consultations, prescribed drugs, and more. This optional benefit can be added to the Silver, Gold, and Platinum plan, but not the Close Care plan.
Here are some of the benefits included in this outpatient benefit:
- Consultations with Specialists and Medical Practitioners
- Medical Equipment
- Prescribed Drugs
- Acupuncture and Chinese Medicine
- Pathology, Radiology, and Diagnostic Tests
- Outpatient Rehabilitation
- Dental Accidents
- Child and Adolescent Wellbeing and Health
Health and Well-being Benefit
The health and well-being optional benefit offers coverage for Cigna’s Life Management Assistance Program, Telephonic Wellness Coaching, and other preventative medical services. This optional benefit was created to help Cigna members to stay healthy and well.
Some of the other benefits included in this optional benefit are:
- Mental Health Support Program
- Footcare by a Chiropodist or Podiatrist
- Cervical, Prostrate, and Bowel Cancer Screenings
- Mammograms for Breast Cancer Screening
- Bone Densitometry
Vision and Dental Care Benefit
The optional vision and dental benefit provides coverage for routine eye exams, glasses and lenses, routine dental exams, and more. This optional benefit can only be added to the Silver, Gold, and Platinum plans.
- Eye Test
- Glasses, Contact Lenses, and Prescription Sunglasses
- Routine Dental Care
- Restorative Dental Care
Evacuation and Crisis Assistance Plus™ Benefit
The medical evacuation and Crisis Assistance Plus™ optional benefit offers coverage for those in Mexico who need emergency transportation for accidents or severe illness and access to a worldwide crisis assistance program. This benefit is only available to add to Silver, Gold, and Platinum plans.
A medical evacuation is needed when a person has an accident or severe illness and requires emergency transport to another hospital for treatment. Medical evacuation coverage will help cover the cost of your transportation and compassionate visits from your family.
This coverage is particularly useful for those in Mexico, who may suffer an accident while hiking or backpacking across the many remote areas of the country.
Cigna Global created the Crisis Assistance Plus™ program to provide time-sensitive advice and crisis response for security risks when traveling. This can be helpful while traveling during a pandemic, natural disaster, or terrorist attack.
Pre-Existing Condition Coverage for Cigna Health Insurance in Mexico
Cigna may choose to cover policyholders’ 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 asking if you have any pre-existing conditions. After you submit your questionnaire, Cigna will determine whether they choose to cover your condition.
Cigna Global Group Health Insurance Plans in Mexico
Large and small businesses alike can benefit from Cigna Global’s group health insurance plans for employees abroad. Cigna Global offers comprehensive and customizable solutions that can benefit their employees and their families’ lives.
Cigna Global offers dedicated client managers for their large corporate benefit plans as well as innovative digital tools for their members. To learn more about group health insurance packages, reach out to the corporate health insurance experts at Pacific Prime.
Frequently Asked Questions:
What are the eligibility requirements for Cigna Insurance in Mexico?
Expats from any nationality can qualify for a Cigna Global international health insurance plan as long as they are 18 years old or above.
What will Cigna Gold Plans cover in Mexico?
Cigna Global Gold plans cover many benefits, including inpatient and daypatient coverage, full cancer care, hospital stays and treatments, maternity services, and newborn care. Additional coverage can be purchased as well that will cover outpatient, dental, and vision benefits.
Does Cigna Global cover outpatient benefits in Mexico?
Cigna Global offers an optional outpatient benefit that can be added to its Silver, Gold, and Platinum plans. This benefit will cover prescribed drugs, general practitioner consultations, diagnostics, and more.
Conclusion
Cigna Global provides expats in Mexico with comprehensive worldwide coverage so they can have access to high-quality healthcare wherever they go. With a Cigna international health insurance plan, you will be financially protected against sky-high medical bills.
If you’d like to begin comparing Cigna insurance plans today, reach out to the insurance experts at Pacific Prime. We are committed to helping you find the right plan for your needs and offer free and unbiased advice to help you on your insurance-seeking journey.
If you’d like to begin comparing quotes on your own, use our free quote tool.
If you enjoyed this article, check out our others on topics like Renting a Place in Mexico as a Foreigner and Vumi Insurance in Mexico.
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.
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