Cigna Global offers international health insurance to expats living in more than 200 markets and territories around the world. Cigna has 1.5 million health professionals and 24/7 customer support workers who speak more than 50 languages. Individuals, families, and businesses can get Cigna coverage.
Cigna’s insurance products include individual and family health insurance, dental insurance, international health insurance, employee plans and policies, employer group solutions, and more.
This page provides a comprehensive outline of the 4 core international health plans Cigna Global offers to expats living abroad.
We’ll also introduce what makes Cigna stand out as one of the most highly rated international health insurance providers and why you should use a broker like Pacific Prime to secure your insurance through Cigna.
Discover our other top insurance partners here.
All monetary values on this page are in USD.
Expats create their Cigna international health insurance plan by selecting their plan type, location of coverage, optional additional benefits, deductible and coinsurance values, and when they pay their premiums.
These are explained in further detail below, and this page delves deeply into your options for each step along the way.
These are some of the standard benefits included in Cigna’s Silver, Gold, and Platinum international health plans for expats:
Cigna Global offers four core insurance plans: Silver, Gold, Platinum, and Close Care. All of these plans offer worldwide coverage with optional coverage in the US. The exception is the Close Care plan which only offers coverage inside your country of residence and nationality.
The Silver health insurance plan offered by Cigna Global offers the core medical benefits expats need living abroad. With an annual limit of USD $1,000,000, you secure coverage for inpatient and daypatient care, emergency care, hospital accommodation for a parent/guardian, and more.
Here are some additional benefits covered in Cigna’s Silver plan:
Cigna Silver Health Insurance Plan | |
Coverage Benefits | Amount (USD) |
Annual Limit Amount | $1,000,000 |
Coverage Area | Worldwide (with or without US) |
Inpatient, Day patient, Accommodation Costs | Paid in full for a private room |
Cancer Care | Paid in full |
Mental and Behavioral Health Care | Up to $5,000 |
Routine Maternity Inpatient Care | Not Covered |
Get a quote for a Cigna Silver plan and discuss with us what else this plan offers you and whether or not it meets your needs.
Cigna Global’s Gold plan offers international expats medical coverage with higher levels of coverage and additional benefits the Silver plan doesn’t have. It has an annual limit of USD $2,000,000 and includes benefits for routine maternity care, pregnancy complications, and newborn care.
Here are some of the benefits the Silver plan doesn’t offer that the Gold plan does and some benefits that are offered in the Gold plan with a higher benefit amount:
Cigna Gold Health Insurance Plan | |
Coverage Benefits | Amount (USD) |
Annual Limit Amount | $2,000,000 |
Coverage Area | Worldwide (with or without US) |
Inpatient, Day patient, Accommodation Costs | Paid in full for a private room |
Cancer Care | Paid in full |
Mental and Behavioral Health Care | Up to $10,000 |
Routine Maternity Inpatient Care | Up to $7,000 |
Get a quote for a Cigna Gold plan and discuss with us what else this plan offers you and whether or not it meets your needs.
Cigna’s Platinum international health insurance plan provides expats with their most comprehensive coverage, with most benefits being paid in full. The annual limit is unlimited, and all inpatient care, cancer care, and mental and behavioral health care are paid in full.
Cigna’s Platinum plan also offers full coverage for the following benefits:
Cigna Platinum Health Insurance Plan | |
Coverage Benefits | Amount (USD) |
Annual Limit Amount | Unlimited |
Coverage Area | Worldwide (with or without US) |
Inpatient, Day patient, Accommodation Costs | Paid in full for a private room |
Cancer Care | Paid in full |
Mental and Behavioral Health Care | Paid in full |
Routine Maternity Inpatient Care | Paid in full up to $14,000 |
Get a quote for a Cigna Platinum plan and discuss with us what else this plan offers you and whether or not it meets your needs.
Cigna’s Close Care plan is an affordable option for expats who only want international health insurance for the country they are living in and the country of their nationality. The Close Care plan has an annual limit of USD $500,000.
Also included in Cigna’s Close Care plan is full coverage for cancer care, full coverage in a 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.
Close Care does not cover medical evacuation, maternity care, or travel safety services.
Cigna Close Care Health Insurance Plan | |
Coverage Benefits | Amount (USD) |
Annual Limit Amount | $500,000 |
Coverage Area | Only in your country of residence and nationality |
Inpatient, Day patient, Accommodation Costs | Paid in full for a semi-private room |
Cancer Care | Paid in full |
Mental and Behavioral Health Care | $3,000 |
Routine Maternity Inpatient Care | Not Covered |
Get a quote for a Cigna Close Care plan and discuss with us what else this plan offers you and whether or not it meets your needs.
Cigna’s most basic international health insurance policy with worldwide coverage is their Silver plan. The next level up in coverage is Gold, and their most comprehensive plan is Platinum. If you want coverage only in your country of residence, Cigna’s Close Care option is for you.
Cigna’s international health insurance plans offer different amounts of coverage depending on the plan you select. The annual limit for each expat plan is as follows:
The following chart details and compares the benefits included in each of Cigna Global’s core international health insurance plans. All values are in USD.
Cigna Health Insurance Plans: Standard Medical Benefits (USD) | ||||
Coverage Benefits | Silver | Gold | Platinum | Close Care |
Annual Limit Amount | $1,000,000 | $2,000,000 | Unlimited | $500,000 |
Coverage Area | Worldwide | Worldwide | Worldwide | Country of residence |
Inpatient and Daypatient Treatment | Paid in full for a private room | Paid in full for a private room | Paid in full for a private room | Paid in full for a semi-private room |
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 | $100 | $100 | $100 | $100 |
Accident and ER Treatment | $500 | $1,000 | $1,200 | Not Covered |
Transplant Services | Paid in full | Paid in full | Paid in full | Not Covered |
Advanced Medical Imaging | $10,000 | $15,000 | Paid in full | $2,500 |
Rehabilitation | $5,000 | $10,000 | Paid in full | $2,000 |
Home Nursing | $2,500 | $5,000 | Paid in full | Not Covered |
Acupuncture and Chinese Medicine | $1,500 | $2,500 | Paid in full | $2,000 for physiotherapy and complementary therapies |
Palliative Care | $35,000 | $60,000 | Paid in full | $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 | $5,000 | $20,000 | $39,000 | Not Covered |
Out-of-Area Emergency Hospitalization | $100,000 | $250,000 | Paid in full | $40,000 (for temporary trips out of the country) |
To get a quote or answer your questions about these plans, reach out to Pacific Prime’s insurance experts.
The rehabilitation services covered by Cigna are:
The palliative care covered by Cigna are:
Annual limit up to USD
$1,000,000
Annual limit up to USD
$1,000,000
Unlimited Annual Limit
Annual limit up to USD
$500,000
Cigna’s health insurance plans for expatriates provide mental and behavioral health coverage for care administered inpatient, daypatient, or outpatient. The mental health limits for each of Cigna’s plans are as follows:
The following chart shows the mental and behavioral health coverage provided by each of the four core Cigna Global health plans. All values are in USD.
Cigna Health Insurance Plans: Mental Health Benefits (USD) | ||||
Coverage Benefits | Silver | Gold | Platinum | Close Care |
Benefit Amount | $5,000 | $10,000 | Unlimited | $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.) |
To get a quote or answer your questions about these plans, reach out to Pacific Prime’s insurance experts.
Annual limit up to USD
$1,000,000
Annual limit up to USD
$1,000,000
Unlimited Annual Limit
Annual limit up to USD
$500,000
The international health insurance plans offered by Cigna provide expatriates full coverage for cancer care. The Silver, Gold, Platinum, and Close Care plans offer varied amounts of coverage for cancer-preventative surgeries and cancer-related appliances.
The following chart shows the cancer care coverage provided by each of the four core Cigna Global health plans. All values are in USD.
Cigna Health Insurance Plans: Cancer Care Benefits (USD) | ||||
Coverage Benefits | Silver | Gold | Platinum | Close Care |
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 | $125 per lifetime | $125 per lifetime | $125 per lifetime | $125 per lifetime |
To get a quote or answer your questions about these plans, reach out to Pacific Prime’s insurance experts.
Annual limit up to USD
$1,000,000
Annual limit up to USD
$1,000,000
Unlimited Annual Limit
Annual limit up to USD
$500,000
Cigna Global’s maternity and newborn benefits offered to expats living abroad include routine maternity coverage, maternity complications, homebirths, and newborn care. There can be a 12 to 24-month waiting period before the maternity benefits kick in.
We are proud that Cigna is one of our very best maternity insurance partners. You can also learn more about other international maternity insurance options here.
The following chart shows the mother and baby coverage benefits provided by each of the four core Cigna Global health plans. All values are in USD.
Cigna Health Insurance Plans: Maternity and Newborn Benefits (USD) | ||||
Coverage Benefits | Silver | Gold | Platinum | Close Care |
Routine Maternity Inpatient Care | Not Covered | Up to $7,000 | Paid in full up to $14,000 | Not Covered |
Maternity Complications | Not Covered | $14,000 | $28,000 | Not Covered |
Homebirths | Not Covered | $500 | $1,000 | Not Covered |
Newborn Care | $25,000 | $75,000 | $156,000 | Not Covered |
To get a quote or answer your questions about these plans, reach out to Pacific Prime’s insurance experts.
Annual limit up to USD
$1,000,000
Annual limit up to USD
$1,000,000
Unlimited Annual Limit
Annual limit up to USD
$500,000
Cigna Global offers expats several deductible and cost share options to choose from for your international health insurance plan. After you select your coverage plan, you choose your deductible, cost share percentage, and out-of-pocket maximum. The following chart shows your options.
Cigna Insurance: Deductible and Cost Share Options | |
Financial Expectations | Your Options |
Deductible | $0, $375, $750, $1,500, $3,000, $7,500, $10,000 |
Cost Share after the Deductible | 0%, 10%, 20%, 30% |
Out of Pocket Maximum | $2,000 or $5,000 |
To determine how these deductible and cost share options will ad
Expats living abroad who purchase health insurance through Cigna have the flexibility to add outpatient, evacuation, health & well-being, and vision & dental coverage to your plan if you choose.
Cigna’s optional outpatient medical coverage benefit is only available for the Silver, Gold, and Platinum plans. It provides insurance for medical care when hospital admittance isn’t needed, such as specialist and general practitioner consultations, prescribed drugs, maternity care, and more.
Here’s a detailed breakdown of the outpatient benefits available through Cigna for each plan:
Cigna’s Additional Outpatient Coverage Benefits (USD) | |||
Coverage Benefits | Silver | Gold | Platinum |
Annual Limit Amount | $15,000 | $35,000 | Paid in full |
Consultations with Specialists and Medical Practitioners | $2,500 | $5,000 | Paid in full |
Prescribed Drugs and Dressings | $1,500 | $3,000 | Paid in full |
Pathology, Radiology, and Diagnostic Tests | $2,500 | $5,000 | Paid in full |
Outpatient Rehabilitation | $5,000 | $10,000 | Paid in full |
Pre-natal and Post-natal Care | Not Covered | $3,500 | $7,000 |
Infertility Investigation and Treatment | Not Covered | Not Covered | $10,000 per lifetime |
Sleep Apnea | Not Covered | $1,500 | $2,000 |
Genetic Cancer Test | Not Covered | $2,000 | $4,000 |
Acupuncture and Chinese medicine | $2,500 | $5,000 | Paid in full |
Durable Medical Equipment | Paid in full | Paid in full | Paid in full |
Adult Vaccinations | $250 | Paid in full | Paid in full |
Dental Accidents | $1,000 | Paid in full | Paid in full |
Child and Adolescent Wellbeing and Health | Paid in full | Paid in full | Paid in full |
Hormone Replacement Therapy | $250 | $500 | $1,000 |
Hearing Aids | $500 | $1,000 | $2,000 |
60+ Care | $500 | $1,000 | $2,000 |
Cigna will pay for the following outpatient rehabilitation services:
Cigna will provide 60+ Care for expats who are already 60 years or older or who will turn 60 within the period of cover if they have one of the following conditions declared on their medical questionnaire:
Annual limit up to USD
$1,000,000
Annual limit up to USD
$1,000,000
Unlimited Annual Limit
Cigna’s evacuation benefit add-on covers medical evacuation for an emergency or global crisis. It includes coverage for emergency transportation, repatriation to your home country, costs for compassionate visits, and global crisis services if there becomes a travel or security risk.
This is only available for Silver, Gold, and Platinum plans.
One benefit includes a Crisis Assistance Plus Program through FocusPoint International. For this benefit, FocusPoint pays for crisis consulting expenses and other additional expenses per covered response.
Here is a detailed breakdown of the evacuation benefits available through Cigna for each plan:
Cigna’s Additional Evacuation Coverage Benefits (USD) | |||
Coverage Benefits | Silver | Gold | Platinum |
Benefit maximum | Paid in full | Paid in full | Paid in full |
Crisis Assistance Plus Program (through FocusPoint International) | Up to a maximum of 2 physical incidents per beneficiary | Up to a maximum of 2 physical incidents per beneficiary | Up to a maximum of 2 physical incidents per beneficiary |
Medical Evacuation | Paid in full | Paid in full | Paid in full |
Medical Repatriation | Paid in full | Paid in full | Paid in full |
Repatriation of Mortal Remains | Paid in full | Paid in full | Paid in full |
Compassionate Visit Travel Costs (up to a maximum of 5 trips per lifetime) | $1,200 | $1,200 | $1,200 |
Compassionate vVsit Living Allowance Costs (per day, up to 10 days per visit) |
$155 | $155 | $155 |
Annual limit up to USD
$1,000,000
Annual limit up to USD
$1,000,000
Unlimited Annual Limit
Cigna’s health and well-being optional benefit enables expats to have coverage for health screenings, tests, and examinations, a Life Management Assistance Program, Telephonic Wellness Coaching, and more to help you remain healthy and balanced physically and mentally.
Here is a detailed breakdown of the health & wellbeing benefits available through Cigna for each plan:
Cigna’s Additional Health & Well-being Coverage Benefits (USD) | |||
Coverage Benefits | Silver | Gold | Platinum |
Life Management Assistance Program (includes life coaching, CBT, mindfulness coaching and more) | Paid in full | Paid in full | Paid in full |
Telephonic Wellness Coaching | Paid in full | Paid in full | Paid in full |
Mental Health Support Program | Paid in full | Paid in full | Paid in full |
Footcare by a Chiropodist or Podiatrist | $225 | $450 | $900 |
Routine Adult Physical Exams | $225 | $450 | $600 |
Cervical Cancer Screening | $225 | $450 | Paid in full |
Prostate Cancer Screening | $225 | $450 | Paid in full |
Mammograms for Breast Cancer Screening | $225 | $450 | Paid in full |
Bowel Cancer Screening | $225 | $450 | Paid in full |
Bone Densitometry | $225 | $450 | Paid in full |
Dietetic Consultations | Not Covered | Not Covered | Paid in full |
Annual limit up to USD
$1,000,000
Annual limit up to USD
$1,000,000
Unlimited Annual Limit
Cigna’s optional vision & dental coverage benefit is only available for the Silver, Gold, and Platinum plans. It provides expats insurance for international routine eye exams, spectacles, and lenses, for routine dental exams, and preventative and major dental treatments.
Here is the detailed breakdowns of the vision benefits available through Cigna for each plan:
Cigna’s Additional Vision Coverage Benefits (USD) | |||
Coverage Benefits | Silver | Gold | Platinum |
Eye Test | $100 | $200 | Paid in full |
Expenses for Spectacle Lenses, Contact Lenses, Spectacle Frames, and/or Prescription Sunglasses | $155 | $155 | $310 |
Here is a detailed breakdown of the dental health insurance benefits available through Cigna for each plan:
Cigna’s Additional Dental Coverage Benefits (USD) | |||
Coverage Benefits | Silver | Gold | Platinum |
Annual Dental Benefit Maximum | $1,250 | $2,500 | $5,500 |
Preventative | Paid in full | Paid in full | Paid in full |
Routine | 80% refund | 90% refund | Paid in full |
Major restorative | 70% refund | 80% refund | Paid in full |
Orthodontic treatment | 40% refund | 50% refund | 50% refund |
Annual limit up to USD
$1,000,000
Annual limit up to USD
$1,000,000
Unlimited Annual Limit
Expats who choose to purchase Cigna’s Close Care insurance plan can add on an outpatient and wellness benefit. This covers consultations with medical practitioners and specialists, prescribed drugs, physiotherapy, chiropractic treatments, routine physical exams, and other mental health services.
Here is a detailed breakdown of the outpatient & wellness benefit available through Cigna for the Close Care health plan:
Cigna’s Outpatient and Wellness Care Benefit for Close Care (USD) | |
Coverage Benefits | Amount |
Annual Benefit Maximum | $5,000 |
Consultations with Medical Practitioners and Specialists | $650 |
Global telehealth with Teladoc | Unlimited Consultations |
Telehealth consultations | $650 |
Pathology, radiology, and diagnostic tests | $1,000 |
Osteopathy and Chiropractic Treatment | $650 |
Acupuncture and Chinese Medicine | $650 |
Prescribed Drugs and Dressings | $500 |
Rental of Durable Equipment | $1,500 up to 45 days |
Adult vaccinations | $250 |
Dental Accidents | $500 |
Child Wellbeing Tests | $1,000 |
Child immunisations | $1,000 |
Annual eye and hearing tests for children under 15 and younger | Paid in full |
Life Management Assistance Program | Includes a range of counseling services and tools to improve work, life, and family issues |
Telephonic Wellness Coaching | Includes a wellness coach for nutrition, fitness, sleep, stress, weight management and tobacco cessation goals |
Routine Adult Physical Exams | $100 |
Cervical Cancer Screening | $225 $400 (combined limit for all cancer screenings) |
Prostate Cancer Screening | $225 $400 (combined limit for all cancer screenings) |
Breast Cancer Screening | $225 $400 (combined limit for all cancer screenings) |
Bowel Cancer Screening | $225 $400 (combined limit for all cancer screenings) |
Skin Cancer Screening | $225 $400 (combined limit for all cancer screenings) |
Lung Cancer Screening | $225 $400 (combined limit for all cancer screenings) |
Bone Densitometry | $400 combined aggregate limit |
The Close Care international health insurance plan by Cigna can add on dental benefits for preventative, routine, and major dental treatments. This optional benefit has an annual benefit limit of $750.
Here is a detailed breakdown of the dental optional benefit available through Cigna for the Close Care health plan:
Cigna’s Optional Dental Benefit for the Close Care Plan (USD) | |
Coverage Benefits | Amount |
Annual Benefit Maximum | $750 |
Preventative Dental Treatment | Paid in full |
Routine Dental Treatment | 80% refund |
Major Restorative Dental Treatment | 70% refund |
just your premium, contact Pacific Prime.
Cigna Global offers several group health insurance plans for employees living abroad. Small businesses with less than 100 employees can get modular, flexible plans with products that cater health and wellness benefits for small or medium companies. Large corporations can get rich health plans too.
A large corporation can get comprehensive, tailorable solutions that enable their employees to take control of their health and well-being.
Every large corporate benefits plan includes:
Contact Pacific Prime to learn about Cigna’s group health insurance packages.
Expats choose Cigna Global as their health insurance provider because Cigna puts their customers first, they have a whole health and affordability focus, they offer flexible plans, and they have global and local networks.
In addition to these admirable qualities, Cigna has received many awards and recognitions. Here are some of them:
Cigna’s values center on serving their clients, patients, and communities around the globe by:
Expats from any nationality may qualify for a Cigna Global international health insurance policy. If you are 18 years old or above, you are able to apply for a health plan. To determine which services and benefits are available in your country of residence, reach out to our Cigna insurance experts.
When expats use an insurance broker to get Cigna health insurance, they gain an intermediary who negotiates with the insurance provider on their behalf, who knows the international insurance market, who can compare Cigna plans with other top providers, and who works with you at no charge to you.
Pacific Prime is a leading global insurance broker that has helped over one million global travelers secure health insurance.
We know insurance, and we know expats.
Learn more about how Pacific Prime can benefit you and help you secure the best insurance for your needs and budget.
Cigna Global offers international health insurance to expat individuals, families, and businesses in more than 200 countries and territories around the globe. Cigna’s core health plans abroad are their Silver, Gold, Platinum, and Close Care plans.
Cigna Global health insurance premiums for the Silver plan can cost as low as $125 a month if you select a high deductible and cost share. Selecting a deductible and cost share more in the middle can raise the monthly premium to $196. Compare Cigna plans or contact us for a more accurate quote.
All of Cigna’s health insurance plans offer an option to have worldwide coverage; you can choose to include coverage in the US or not. The exception is the Close Care plan which is an affordable option to only get health coverage in your country of residence.
Cigna Global is available to expats living worldwide.
Cigna is a leading international provider around the globe and one of the largest insurance carriers. Cigna has received many awards, including the Top Marks for Disability Inclusion award, Top Employer for New Graduates award, and Top Honors for LGBTQ Equality award.
Our experts can provide you with a personalized quote based on your needs and requirements.