{"id":15743,"date":"2025-05-06T16:32:11","date_gmt":"2025-05-06T08:32:11","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=15743"},"modified":"2025-05-06T19:02:26","modified_gmt":"2025-05-06T11:02:26","slug":"cigna-philippines-insurance-solutions-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/cigna-philippines-insurance-solutions-expats.html","title":{"rendered":"Cigna Health Insurance for Expats in the Philippines"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you&#8217;re an expat in the Philippines seeking reliable health insurance, Cigna offers a range of plans with global coverage, 24\/7 multilingual support, and access to a vast medical network. Whether you need basic protection or comprehensive benefits, Cigna has options tailored to your health needs and budget.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide breaks down Cigna\u2019s <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\">international health insurance<\/a> and <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/individual-health-insurance\/\">local insurance solutions<\/a> available to <a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\">expats in the Philippines<\/a>, helping you compare coverage tiers, understand key benefits, and decide which plan fits your lifestyle best.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why Cigna Is Ideal for Expats Living in the Philippines<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As a leading insurance provider in the industry, <\/span><a href=\"https:\/\/www.cignaglobal.com\/where-we-cover\/philippines\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Overview of Cigna\u2019s Insurance Plans in the Philippines<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21248 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/modern-bridge-surrounded-by-skyscrapers-in-manila-during-daytime.webp\" alt=\"Image of Modern Bridge Surrounded By Skyscrapers In Manila During Daytime with text overlay of &quot;Overview of Cigna\u2019s Insurance Plans in the Philippines&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/modern-bridge-surrounded-by-skyscrapers-in-manila-during-daytime.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/modern-bridge-surrounded-by-skyscrapers-in-manila-during-daytime-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/modern-bridge-surrounded-by-skyscrapers-in-manila-during-daytime-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/modern-bridge-surrounded-by-skyscrapers-in-manila-during-daytime-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/modern-bridge-surrounded-by-skyscrapers-in-manila-during-daytime-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna\u2019s international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to the core benefits, expats can also benefit from mental health benefits, maternity and newborn benefits as well as full cancer coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s 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.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-38' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_1.jpg\" alt=\"Blog Banner Philippines 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cigna Silver Plan Coverage Details<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Silver plan is the most basic tier Cigna offers for their international health insurance policy with<\/span> <span style=\"font-weight: 400;\">an <\/span><b>annual limit of USD $1,000,000<\/b><span style=\"font-weight: 400;\">. With the Silver plan, expats can be covered for inpatient and daypatient care, emergency care, hospital accommodations for parents\/guardians, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s 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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cigna Gold Plan Benefits and Limits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Gold plan has an <\/span><b>annual limit of USD $2,000,000<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cigna Platinum Plan: Full Coverage with No Annual Cap<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As the most comprehensive international health insurance plan Cigna offers, the Platinum plan offers expats the highest coverage with an <\/span><b>unlimited annual limit<\/b><span style=\"font-weight: 400;\">. Expats interested in the Platinum plan can expect all the benefits of the Silver and Gold plan but with higher limits and coverage.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Cigna Close Care Plan: Affordable Local Coverage for Expats<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s Close Care plan is an alternative insurance solution for expats who want to secure Cigna\u2019s 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Close care plan has an <\/span><b>annual limit of USD $500,000<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-63' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\nh3.banner-insurers-title {\n  width: 170px\n}\n\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-philippines-bg.png');\n\n  }\n  div.banner-insurers-card-image img.bupa {\n    width: 50px;\n    height: 50px;\n  }\n  h3.banner-insurers-title {\n    width: 320px\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Philippines -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-philippines-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for Philippines<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"130\" height=\"130\" style=\"width: 50px; height: 50px;\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\" alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner Philippines ends --><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Compare Cigna\u2019s Plans Side-by-Side<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Silver Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Gold Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Platinum Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Close Care Plan<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\">\n<p style=\"text-align: center;\"><strong>Standard Medical Benefits<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Annual Limit<\/td>\n<td>USD $1,000,000<\/td>\n<td>USD $2,000,000<\/td>\n<td>Unlimited<\/td>\n<td>USD $500,000<\/td>\n<\/tr>\n<tr>\n<td>Coverage Area<\/td>\n<td>Worldwide (excluding the US)<\/td>\n<td>Worldwide (excluding the US)<\/td>\n<td>Worldwide (excluding the US)<\/td>\n<td>Country of residence<\/td>\n<\/tr>\n<tr>\n<td>Inpatient &amp; Daypatient Treatment<\/td>\n<td>Private Room &#8211; paid in full<\/td>\n<td>Private Room &#8211; paid in full<\/td>\n<td>Private Room &#8211; paid in full<\/td>\n<td>Semi-private room &#8211; paid in full<\/td>\n<\/tr>\n<tr>\n<td>Hospital Accommodation for Parent or Guardian<\/td>\n<td>$1,000<\/td>\n<td>$1,000<\/td>\n<td>Paid in full<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Pandemics, Epidemics, and Outbreaks of Infectious Diseases<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<\/tr>\n<tr>\n<td>Inpatient Cash Benefit<\/td>\n<td>USD $100<\/td>\n<td>USD $100<\/td>\n<td>USD $100<\/td>\n<td>USD $100<\/td>\n<\/tr>\n<tr>\n<td>Accident and ER Treatment<\/td>\n<td>USD $500<\/td>\n<td>USD $1,000<\/td>\n<td>USD $1,200<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Transplant Services<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Advanced Medical Imaging (USD)<\/td>\n<td>USD $10,000<\/td>\n<td>USD $15,000<\/td>\n<td>Paid in full<\/td>\n<td>USD $2,500<\/td>\n<\/tr>\n<tr>\n<td>Rehabilitation<\/td>\n<td>USD $5,000<\/td>\n<td>USD $10,000<\/td>\n<td>Paid in full<\/td>\n<td>USD $2,000<\/td>\n<\/tr>\n<tr>\n<td>Home Nursing<\/td>\n<td>USD $2,500<\/td>\n<td>USD $5,000<\/td>\n<td>Paid in full<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Acupuncture and Chinese Medicine<\/td>\n<td>USD $1,500<\/td>\n<td>USD $2,500<\/td>\n<td>Paid in full<\/td>\n<td>USD $2,000 for physiotherapy and complementary therapies<\/td>\n<\/tr>\n<tr>\n<td>Palliative Care<\/td>\n<td>USD $35,000<\/td>\n<td>USD $60,000<\/td>\n<td>Paid in full<\/td>\n<td>USD $2,500 for hospice and palliative care<\/td>\n<\/tr>\n<tr>\n<td>Prosthetic Devices<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Internal devices are paid in full; external devices are up to $2,500<\/td>\n<\/tr>\n<tr>\n<td>Ambulance Services<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full (road only)<\/td>\n<\/tr>\n<tr>\n<td>Treatment for Obesity<\/td>\n<td>Not Covered<\/td>\n<td>70% refund up to $20,000<\/td>\n<td>80% refund up to $25,000<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Congenital Conditions<\/td>\n<td>USD $5,000<\/td>\n<td>USD $20,000<\/td>\n<td>USD $39,000<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Out-of-Area Emergency Hospitalization<\/td>\n<td>USD $100,000<\/td>\n<td>USD $250,000<\/td>\n<td>Paid in full<\/td>\n<td>USD $40,000 (for temporary trips out of the country)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s 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.<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Silver Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Gold Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Platinum Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Close Care Plan<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\">\n<p style=\"text-align: center;\"><strong>Cancer Care Benefits<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Cancer Care<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<td>Paid in full<\/td>\n<\/tr>\n<tr>\n<td>Cancer Preventative Surgery<\/td>\n<td>70% refund up to $10,000<\/td>\n<td>80% refund up to $10,000<\/td>\n<td>90% refund up to $10,000<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Cancer-Related Appliances<\/td>\n<td>USD $125 per lifetime<\/td>\n<td>USD $125 per lifetime<\/td>\n<td>USD $125 per lifetime<\/td>\n<td>USD $125 per lifetime<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Mental wellbeing is a rising issue among expats. With Cigna\u2019s 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:<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Silver Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Gold Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Platinum Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Close Care Plan<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\">\n<p style=\"text-align: center;\"><strong>Mental Health Benefits<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Benefit Amount<\/td>\n<td>USD $5,000<\/td>\n<td>USD $10,000<\/td>\n<td>Unlimited<\/td>\n<td>USD $3,000<\/td>\n<\/tr>\n<tr>\n<td>Inpatient Coverage Time<\/td>\n<td>Up to 30 days<\/td>\n<td>Up to 60 days<\/td>\n<td>Up to 90 days<\/td>\n<td>Up to 30 days maximum<\/td>\n<\/tr>\n<tr>\n<td>Day patient Coverage Time<\/td>\n<td>Up to 30 days<\/td>\n<td>Up to 60 days<\/td>\n<td>Up to 90 days<\/td>\n<td>Up to 60 days total (including inpatient max.)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For expats starting a family, maternity and newborn benefits are crucial. Cigna\u2019s 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:<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Silver Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Gold Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cigna Platinum Health Insurance Plan<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Close Care Plan<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\">\n<p style=\"text-align: center;\"><strong>Maternity and Newborn Benefits<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Routine Maternity Inpatient Care<\/td>\n<td>Not Covered<\/td>\n<td>Up to USD $7,000<\/td>\n<td>Paid in full up to USD $14,000<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Maternity Complications<\/td>\n<td>Not Covered<\/td>\n<td>USD $14,000<\/td>\n<td>USD $28,000<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Homebirths<\/td>\n<td>Not Covered<\/td>\n<td>USD $500<\/td>\n<td>USD $1,000<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<tr>\n<td>Newborn Care<\/td>\n<td>USD $25,000<\/td>\n<td>USD $75,000<\/td>\n<td>USD $156,000<\/td>\n<td>Not Covered<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-39' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_2.jpg\" alt=\"Blog Banner Philippines 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Cigna Deductibles and Copay Options<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><b>A deductible <\/b><span style=\"font-weight: 400;\">is the<\/span><b> amount in which you pay BEFORE your insurer starts covering the costs<\/b><span style=\"font-weight: 400;\"> of your medical treatments.\u00a0<\/span><\/p>\n<p><b>A copay <\/b><span style=\"font-weight: 400;\">is a <\/span><b>fixed amount you pay for a covered healthcare service in your plan after you have paid your deductibles<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a breakdown of Cigna\u2019s deductible and copay options:<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\">Deductible<\/p>\n<\/td>\n<td>USD $0 \/ USD $375 \/ USD $1,500 \/ USD $3,000 \/ USD $7,500 \/ USD $10,000<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Copay (after deductible)<\/p>\n<\/td>\n<td>0% \/ 10% \/ 20% \/ 30%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">If you are interested in learning more about the price of health insurance in the Philippines, check out our guide on the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/cost-insurance-philippines-expats.html\"><span style=\"font-weight: 400;\">Cost of Health Insurance in the Philippines for Expats<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-40' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_3.jpg\" alt=\"Blog Banner Philippines 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Get a Cigna Plan Through Pacific Prime<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A major benefit of securing a plan through Pacific Prime is our add-on services that will be available to you without additional charges.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are an expat looking for insurance solutions from some of the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-philippines-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">top insurers in the Philippines<\/span><\/a><span style=\"font-weight: 400;\">, you might find our articles on \u201c<a href=\"https:\/\/www.pacificprime.com\/blog\/img-insurance-philippines-for-expats.html\">IMG Philippines Insurance<\/a>\u201d and \u201c<a href=\"https:\/\/www.pacificprime.com\/blog\/axa-philippines-reliable-expats-insurance.html\">AXA Philippines<\/a>\u201d are useful in helping you choose a plan to stay insured in the Philippines.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for impartial advice or an obligation-free <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/\"><span style=\"font-weight: 400;\">quote<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-69' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-banner_V2_Philippines.png\" alt=\"Insurers recommendation blog banner Philippines v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Philippines - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations in Philippines\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Why should I choose Cigna over other insurers in the Philippines?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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\u2019s 24\/7 customer support and file claims conveniently online via the customer portal and mobile app.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I be insured outside of the Philippines with a Cigna plan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">All of Cigna\u2019s international health insurance plans offer worldwide coverage (excluding the US). Expats who have secured Cigna\u2019s Close Care plan are also covered for short trips outside their country of residence.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What is Cigna&#8217;s claims process like?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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\u2019s online customer portal or through Cigna\u2019s mobile app.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re an expat in the Philippines seeking reliable health insurance, Cigna offers a range of plans with global coverage, 24\/7 multilingual support, and access to a vast medical network. Whether you need basic protection or comprehensive benefits, Cigna has options tailored to your health needs and budget. This guide breaks down Cigna\u2019s international health &#8230;<\/p>\n","protected":false},"author":71,"featured_media":21245,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-15743","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cigna Philippines: Insurance Solutions for Expats<\/title>\n<meta name=\"description\" content=\"Explore Cigna\u2019s expat health insurance plans for the Philippines, with global coverage, flexible benefits, and expert support through Pacific 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