Cigna Philippines: Insurance Solutions for Expats
Cigna is a global health services company that provides a wide variety of insurance solutions across the globe, including the Philippines. Cigna plans are a great insurance solution for expats in the Philippines as they have comprehensive coverage and a vast network of providers.
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Are you an expat looking to get insured in the Philippines? In this article, Pacific Prime will break down Cigna’s international health insurance solutions and local health insurance solutions in the Philippines to give you a better understanding of what Cigna can provide.
What Makes Cigna a Good Insurer for Expats in the Philippines
As a leading insurance provider in the industry, Cigna already caters to expats living in over 200 markets and territories around the world. With 24/7 customer support that supports over 50 languages, policyholders of Cigna plans can seek assistance whenever they need to, wherever they are.
Cigna International Health Insurance for Philippines
Cigna’s international health insurance is one of the insurance solutions that Cigna offers expats in the Philippines. Cigna offers three tiers to their international health insurance plan, Silver, Gold, and Platinum with Silver being the most basic plan and Platinum being the most comprehensive.
In addition to the core benefits, expats can also benefit from mental health benefits, maternity and newborn benefits as well as full cancer coverage.
Cigna’s international health insurance plans also offer additional outpatient medical coverage benefits as an optional benefit for the Silver, Gold, and Platinum plans. Expats can also select deductibles and co-pay options to manage their premium costs.
Cigna Silver Health Insurance Plan
The Silver plan is the most basic tier Cigna offers for their international health insurance policy with an annual limit of USD $1,000,000. With the Silver plan, expats can be covered for inpatient and daypatient care, emergency care, hospital accommodations for parents/guardians, and more.
Cigna’s Silver plan also offers additional benefits including coverage for pandemics, epidemics, and outbreaks of infectious diseases, inpatient cash benefits, transplant services, palliative care, and out-of-area emergency hospitalization care.
Cigna Gold Health Insurance Plan
The Gold plan has an annual limit of USD $2,000,000 and offers expats higher levels of coverage as well as additional benefits that are not covered in the Silver plan such as routine maternity inpatient care and maternity complications.
The additional benefits included in the Cigna Gold plan include emergency treatments, advanced imaging, rehabilitation, home nursing, palliative care, and treatment for obesity, and congenital conditions.
Cigna Platinum Health Insurance Plan
As the most comprehensive international health insurance plan Cigna offers, the Platinum plan offers expats the highest coverage with an unlimited annual limit. Expats interested in the Platinum plan can expect all the benefits of the Silver and Gold plan but with higher limits and coverage.
Cigna Close Care Plan
Cigna’s Close Care plan is an alternative insurance solution for expats who want to secure Cigna’s international health insurance plan but only for the country they are living in. For expats in the Philippines, the Close Care plan is a great affordable alternative to stay insured.
The Close care plan has an annual limit of USD $500,000 and provides full coverage for cancer care, semi-private room for inpatient and day patient treatment, and up to USD $40,000 emergency hospitalization coverage for short trips outside your covered country.
It is important to note that although the Close Care plan covers short trips outside of your covered country, it is still recommended that you secure travel insurance for your travels.
Cigna Plan Benefits Comparison
With multiple plans to choose from, it can be hard to picture the differences in coverage and limits for each Cigna plan. To provide you with a clearer picture and comparison, we have put together a series of tables of comparisons to help you find a plan that works for you.
|
Cigna Silver Health Insurance Plan |
Cigna Gold Health Insurance Plan |
Cigna Platinum Health Insurance Plan |
Close Care Plan |
|
|
Standard Medical Benefits |
||||
| Annual Limit | USD $1,000,000 | USD $2,000,000 | Unlimited | USD $500,000 |
| Coverage Area | Worldwide (excluding the US) | Worldwide (excluding the US) | Worldwide (excluding the US) | Country of residence |
| Inpatient & Daypatient Treatment | Private Room – paid in full | Private Room – paid in full | Private Room – paid in full | Semi-private room – paid in full |
| Hospital Accommodation for Parent or Guardian | $1,000 | $1,000 | Paid in full | Not Covered |
| Pandemics, Epidemics, and Outbreaks of Infectious Diseases | Paid in full | Paid in full | Paid in full | Paid in full |
| Inpatient Cash Benefit | USD $100 | USD $100 | USD $100 | USD $100 |
| Accident and ER Treatment | USD $500 | USD $1,000 | USD $1,200 | Not Covered |
| Transplant Services | Paid in full | Paid in full | Paid in full | Not Covered |
| Advanced Medical Imaging (USD) | USD $10,000 | USD $15,000 | Paid in full | USD $2,500 |
| Rehabilitation | USD $5,000 | USD $10,000 | Paid in full | USD $2,000 |
| Home Nursing | USD $2,500 | USD $5,000 | Paid in full | Not Covered |
| Acupuncture and Chinese Medicine | USD $1,500 | USD $2,500 | Paid in full | USD $2,000 for physiotherapy and complementary therapies |
| Palliative Care | USD $35,000 | USD $60,000 | Paid in full | USD $2,500 for hospice and palliative care |
| Prosthetic Devices | Paid in full | Paid in full | Paid in full | Internal devices are paid in full; external devices are up to $2,500 |
| Ambulance Services | Paid in full | Paid in full | Paid in full | Paid in full (road only) |
| Treatment for Obesity | Not Covered | 70% refund up to $20,000 | 80% refund up to $25,000 | Not Covered |
| Congenital Conditions | USD $5,000 | USD $20,000 | USD $39,000 | Not Covered |
| Out-of-Area Emergency Hospitalization | USD $100,000 | USD $250,000 | Paid in full | USD $40,000 (for temporary trips out of the country) |
Cigna’s international health insurance plans all offer full coverage for cancer care. However, for expats who want to be covered in cancer preventative surgery, it is important to note that it is not covered in the Close Care plan.
|
Cigna Silver Health Insurance Plan |
Cigna Gold Health Insurance Plan |
Cigna Platinum Health Insurance Plan |
Close Care Plan |
|
|
Cancer Care Benefits |
||||
| Cancer Care | Paid in full | Paid in full | Paid in full | Paid in full |
| Cancer Preventative Surgery | 70% refund up to $10,000 | 80% refund up to $10,000 | 90% refund up to $10,000 | Not Covered |
| Cancer-Related Appliances | USD $125 per lifetime | USD $125 per lifetime | USD $125 per lifetime | USD $125 per lifetime |
Mental wellbeing is a rising issue among expats. With Cigna’s international health plans, expats can expect to be covered up to 90 days of impatient coverage time depending on the plan they choose. For more details on how mental health benefits is covered in each plan, check out the table below:
|
Cigna Silver Health Insurance Plan |
Cigna Gold Health Insurance Plan |
Cigna Platinum Health Insurance Plan |
Close Care Plan |
|
|
Mental Health Benefits |
||||
| Benefit Amount | USD $5,000 | USD $10,000 | Unlimited | USD $3,000 |
| Inpatient Coverage Time | Up to 30 days | Up to 60 days | Up to 90 days | Up to 30 days maximum |
| Day patient Coverage Time | Up to 30 days | Up to 60 days | Up to 90 days | Up to 60 days total (including inpatient max.) |
For expats starting a family, maternity and newborn benefits are crucial. Cigna’s international health plans cover up to USD $14,000 in routine maternity inpatient care and up to USD $156,000 in newborn care coverage. For more details, check out the table below:
|
Cigna Silver Health Insurance Plan |
Cigna Gold Health Insurance Plan |
Cigna Platinum Health Insurance Plan |
Close Care Plan |
|
|
Maternity and Newborn Benefits |
||||
| Routine Maternity Inpatient Care | Not Covered | Up to USD $7,000 | Paid in full up to USD $14,000 | Not Covered |
| Maternity Complications | Not Covered | USD $14,000 | USD $28,000 | Not Covered |
| Homebirths | Not Covered | USD $500 | USD $1,000 | Not Covered |
| Newborn Care | USD $25,000 | USD $75,000 | USD $156,000 | Not Covered |
Cigna Plans Deductible and Copay Options
Cigna offers a variety of deductible and copay options for their international health insurance policies as well as the Close Care plan. Deductible and copay options are effective ways for you to manage the premiums cost of their insurance policy.
A deductible is the amount in which you pay BEFORE your insurer starts covering the costs of your medical treatments.
A copay is a fixed amount you pay for a covered healthcare service in your plan after you have paid your deductibles.
By volunteering for deductible and copay options, you will be able to effectively lower your premium costs whilst still keeping the benefits you want included in your plan.
Here is a breakdown of Cigna’s deductible and copay options:
|
Deductible |
USD $0 / USD $375 / USD $1,500 / USD $3,000 / USD $7,500 / USD $10,000 |
|
Copay (after deductible) |
0% / 10% / 20% / 30% |
If you are interested in learning more about the price of health insurance in the Philippines, check out our guide on the Cost of Health Insurance in the Philippines for Expats.
Securing a Cigna Plan Through Pacific Prime
There are two main ways you can secure a Cigna insurance plan, through a Cigna insurance agent and through an insurance broker like Pacific Prime. Whilst both methods will result in you securing a Cigna policy, it is recommended that you go through a broker as they work for you and not the insurer.
Pacific Prime is a global insurance broker with over 20 years of experience in the insurance industry. Our insurance experts can tailor a Cigna plan based on your specific needs and requirements, resulting in a plan that covers what you need whilst staying within your budget.
A major benefit of securing a plan through Pacific Prime is our add-on services that will be available to you without additional charges.
An example of these services is when you need to file a claim, you will be able to do it through Pacific Prime. Our dedicated service team will guide you through the entire claims process, from collecting necessary documents to submitting your claim to Cigna on your behalf.
If you are an expat looking for insurance solutions from some of the top insurers in the Philippines, you might find our articles on “IMG Philippines Insurance” and “AXA Philippines” are useful in helping you choose a plan to stay insured in the Philippines.
Contact us today for impartial advice or an obligation-free quote!
Frequently Asked Questions
Why should I choose Cigna over other insurers in the Philippines?
Cigna is a great insurance provider for expats in the Philippines due to its vast network of providers, comprehensive coverage, and exceptional customer support. Policyholders can always reach Cigna’s 24/7 customer support and file claims conveniently online via the customer portal and mobile app.
Can I be insured outside of the Philippines with a Cigna plan?
All of Cigna’s international health insurance plans offer worldwide coverage (excluding the US). Expats who have secured Cigna’s Close Care plan are also covered for short trips outside their country of residence.
What is Cigna’s claims process like?
Cigna offers multiple ways for their policyholders to submit claims when direct billing is not available. Cigna policyholders will be able to submit their claims through Cigna’s online customer portal or through Cigna’s mobile app.
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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