Cigna Expat Insurance- Best Global Health Plans For Living Abroad

Cigna Expat Insurance offers benefits tailored to expats living abroad. With base coverage and options add-ons, you’ll find the right plan to fit your needs and budget. minutes


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About the author

Hi, I'm Marco Sison. I worked in finance for Fortune 50 companies before retiring early at 41 years old. I have been an expat for over 10 years, living in over 50 countries to show you the best ways to save, invest, and live in amazing countries outside the USA. I am a trusted resource on personal finance and overseas retirement for US News & World Reports, HuffPost, MSN Money, USA Today, ABC Network, Yahoo Finance, Best Life, Association of MBAs, and the iTunes documentary Seeking FIRE.

QUICK SUMMARY-  Cigna Global Medical Health Insurance For Expats

  • A renewable health insurance plan costs $109 per month to provide worldwide coverage for a 49-year old expat.
  • This max deductible/high cost-sharing plan excludes coverage in the United States
  • This core plan provides cover for inpatient care and hospital costs, but excludes the optional preventative and wellbeing module.
  • Expats can reduce health insurance costs 10% by paying annual premiums upfront. 
  • For most expats, the cost ranges between $4000 to $6000 per year per person for comprehensive coverage 

Living as an expat can be an exhilarating and fulfilling experience, full of new cultures, food, and people. However, with new adventures comes risks and uncertainty, leaving you and your family vulnerable.

Good thing that Cigna global insurance plans allow you to select the coverage options that best suit your lifestyle and budget, with the flexibility to add or remove health benefits to fit the unique needs of expats. With various options at different prices, 

"Cigna provides peace of mind and protection for all expats abroad, no matter their situation."

This post may contain affiliate links. I may get a commission if you purchase something using my link. Please note, there is NO ADDITIONAL COST to you. For more information, please see my disclosure.

Cigna Global Medical Insurance Plan

Rated A
  • Perfect for expats who need need comprehensive protection and 24/7 service.
  • An international network with over 1.65 million trusted hospitals and doctors.
  • All plans include mental health and cancer care.

Overview of Cigna Expat Insurance

With over 230 years of experience, Cigna has a long history as one of the premier worldwide health insurance companies. With a vast network of over 1.65 million health care professionals and facilities spanning over 200 countries and territories, Cigna can deliver quality healthcare services to expats wherever they are. Furthermore, Cigna's extensive scale and customer base of over 60 million people allows them to offer diverse options while ensuring accessible and affordable care.

As specialists in international health insurance for global citizens, the mission at Cigna Global is to help expats manage their overall health and wellbeing. Cigna's International Health Plans are comprehensive, flexible, and customizable, allowing you to choose and pay only for the coverage you need.

Types of Cigna Expatriate Health Insurance

Cigna offers three types of expat insurance plans: the Cigna Global Insurance Plan, the Cigna Close Care Plan, and the Cigna Healthguard Insurance Plan.

  1. Cigna Global Insurance Plan allows you to customize your coverage policy to fit your needs with multiple plan tiers, add-on modules, and deductible and cost share options. It also gives you priority access to Cigna's international network of more than 1.7 million hospitals and doctors.
  2. Cigna Close Care Plan provides coverage for your country of residence and nationality only and medical emergency coverage in third countries. While the area of coverage is more limited, this plan offers a wide range of deductibles and cost-share options.
  3. Cigna Healthguard Insurance Plan is an alternate solution designed for expats living in the UAE. It offers multiple tiers and optional add-on modules for expanded coverage. The Dubai Health Authority and the Insurance Authority approve this plan.

This article focuses primarily on the Cigna Global Insurance Plan, as it is the health insurance most applicable for expats who need global medical insurance.

Cigna Individual Plan Levels

Cigna offers three distinct levels of coverage: Silver, Gold, and Platinum. Each plan level includes International Medical Insurance to cover your overnight hospital stays and inpatient treatments. All global health plans offer optional outpatient coverage, vision, dental, and other elective modules.

Maximum Overall benefit - per person per period of cover

  1. SILVER: up to $1,000,000
  2. GOLD: up to $2,000,000
  3. PLATINUM: Paid in full

All levels of cover (Silver, Gold, and Platinum) include International Medical Insurance to cover your hospital stays and treatments. All global health plans offer optional outpatient care, vision, and other elective modules. You can also choose your desired area of coverage to include trips to the United States.

The Cigna Silver plan level is the lowest capped benefit plan offering affordable global medical insurance for expats concerned about their budget. The Gold level is the second most comprehensive health insurance plan, boosting coverage to $2 million per person, but includes some benefit limits to make it more affordable. The Platinum level is the most comprehensive Cigna individual health insurance option, offering unlimited coverage for all included benefits.

Each plan has different deductible and coinsurance options to suit your budget.

Overview Of Cigna Overseas Coverage Options

Cigna's Core International Medical Insurance Includes

International Expat Insurance

Cigna's Core Plan provides the essential benefits expats need to stay healthy and protected abroad. But this international medical plan is far from basic. Coverage includes inpatient or daypatient treatment benefits, including:

  1. Inpatient hospital accommodation, charges, prescription medicine, rehabilitation, and treatment;
  2. Access to inpatient, outpatient, and daypatient therapy for behavioral and mental health care;
  3. Coverage for cancer care, including cancer-preventative surgery;
  4. Cigna Silver plan covers Newborn care, while Gold and Platinum level plans include coverage for inpatient and daypatient parent and babe care;
  5. Coverage for emergency outpatient treatment required at an accident and emergency department.
  6. Emergency inpatient dental cover

The International Expat Insurance plans do not cover:

  1. Consultations with specialists and medical practitioners concerning outpatient treatments;
  2. Prescribed drugs or dressing for any outpatient treatments;
  3. Any outpatient physiotherapy or other rehabilitation treatments.

Cigna International Health Plan Optional Add-Ons

You want an insurance plan tailored to your needs, not someone else's. With Cigna's personalized plans, you can choose the best international health insurance coverage for your situation. With four additional modules, you can add to Cigna Global's core policies to customize an expat health plan ensuring adequate cover and protection while living and working abroad.

In addition to the Cigna core cover, customers have the option to add optional modules:

  1. International outpatient
  2. Medical Evacuation and Crisis Assistance
  3. Health and wellbeing
  4. Global vision and dental.

Each module has different plan levels and benefit maximums, allowing expats to customize their plans to suit their needs and budget.

Size of Cigna Medical Network

The size of Cigna's global network provides expats access to truly global healthcare coverage in over 200 countries and territories around the world.

With 24/7 customer service centers speaking over 50 languages and a medical network of nearly 1.7 million health care providers, Cigna international health plans provide the size, scale, and expertise expats need.

Cigna Expat Insurance Rankings and Customer Reviews

Cigna Global Health Care is one of the world's most admired companies and the largest health insurers for international markets. Cigna is rated 'A' (Excellent) by A.M. Best Company and has a 4-star customer rating, offering financial security and a stellar worldwide reputation.

Cigna Global




Cigna is one of the best expat medical insurance companies in the world
  • Most popular expat medical insurance company
  • Customizable plans allowing you to pay for only the coverage you need, while offering flexible monthly rates 
  • Extensive global medical network of over 1.65 million hospitals and healthcare professionals in over 200 countries

Average Cost 


Maximum Limits

$1,000,000 - Unlimited

Travel or International Medical

International Only

Ideal For- Older expats with health concerns or chronic conditions

Other Guides On Expat Health Insurance

Why Travel Medical Insurance Coverage Isn’t Enough For Expats Abroad
Affordable International Health Insurance for US Citizens Living Overseas
10 Common Mistakes Expats Make Buying Health Insurance For Living Abroad
20 Facts About Healthcare In Colombia Every Expat Must Know
Choosing An International Health Plan- Checklist For Buying Expat Insurance Coverage
The Expat Guide To Colombian Health Insurance Plans: EPS, Private, Global
A Step-By-Step Plan For Lowering Your Cost of Expat Health Insurance
Top 12 Best Medical Insurance Companies For Expats Living Abroad And 1 To Avoid [2022]
Expat Health Insurance Plans- Understanding Your Medical Coverage Options Abroad

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Cigna diagram showing focus on expat health insurance

Cigna Global Medical Health Insurance focuses on the unique needs of expats overseas

Why Expats Choose Cigna International Health Plans

1) Whole Health Partners

Convenient healthcare tools and support

  • The Cigna team of dedicated doctors and nurses can provide personalized medical advice and support.
  • Unlimited phone or video doctor consultations via the Cigna Wellbeing™ app.
  • Help finding local healthcare provider through a secure member portal. 
  • Home delivery pharmacy in the USA.
Expat getting home delivered drugs as part of Cigna Global International Health Insurance Plan

A holistic approach to health

  •  Cigna core coverage includes day-patient care for behavioral and psychiatric care and cancer treatments.
  • Plans have a complete range of preventative treatments, non-symptomatic tests, and screenings.
  • Offer counseling and coaching sessions for both emotional and physical support.
  • Include coverage for treatment, testing, and vaccines due to a pandemic or other global health crisis.

2) Putting Expats First

Cigna puts you in control

  • Cigna global health options are flexible and allow you to create a plan that suits your needs and budget.
  • You will receive a decision on your application within 24 hours.
  • You have an online portal and multiple hassle-free ways of conveniently contacting the Cigna team.

Expats are the core of what Cigna does

  • Providing supporting to over 700,000 expats worldwide.
  •  Cigna's multilingual Customer Care team is available for you 24 hours a day.
  • The Cigna Global Customer Care team provides excellent service wherever you are.
  • Direct billing is available with many providers within their network.

3) Global Health Expertise

Cigna Global FAQs

  • Cigna understands that moving to a new country can be an exciting but busy time, and Cigna's website has resources that can assist you along your journey.
  • Their Health Blog has helpful information and data, including country guides, information on healthcare systems, and tips for making the most of your relocation

Cigna provides peace of mind

  • With an extensive healthcare network of over 1.65 million partnerships, they specialize in delivering international healthcare with leading medical providers across the globe. 
  • Their International Evacuation & Crisis Assistance Plus™ optional module gives you access to a worldwide comprehensive crisis assistance for your peace of mind while abroad.

Key Cigna International Health Benefits Targeting Expats

1) Essential Medical Services And Whole Health Services

All Cigna Global Insurance Plans include the essential medical services expats expect, including inpatient cover, hospital accommodation costs, cancer treatment, pandemics outbreaks of infectious diseases, emergency room treatment, transplant services, home nurses, mental and behavioral health care, and rehabilitation (physiotherapy, occupational, therapy, speech therapy, and cardiac rehab).

Additionally, Cigna is dedicated to helping expats and their families live happier, healthier lives thanks to their whole health services. All Cigna Global Health plan levels include access to their Clinical Case Management program:

Our Case Management service enables you to receive personalized support and assistance from our dedicated nurses and doctors when you are diagnosed with a complex condition requiring special support. They will serve as your single point of contact, offering support through coordinating your healthcare and treatment plan.

CASE MANAGEMENT- Personalized support when you need it most

Dealing with complex medical issues while living in a foreign country without support can be a nightmare. But with Cigna, expats are never alone. Cigna's Case Management service provides personalized support and assistance if you've been diagnosed with a complex medical condition.

You'll have access to a dedicated nurse or doctor who will be your single point of contact throughout your medical journey, coordinating your healthcare and treatment plan to ensure you receive the best possible care. With our Case Management service, you can feel supported and confident as you manage your condition.

dedicated medical professional speaking to an expat about ther Cigna Expat insurance

Get a dedicated medical professional assigned as your point of contact

CHRONIC CONDITION TREATMENT- Helping hand to manage your condition

Cigna's Chronic Condition program provides support for expats with chronic conditions. This program is designed to help expats better understand, manage, and improve their condition. Moreover, all Cigna expat plans include access to the program, even if the condition is listed as a special exclusion on their Certificate of Insurance.

GLOBAL TELEHEALTH- Medical consultations on your schedule wherever you are in the world

Cigna's Global Telehealth service is an excellent resource for non-emergency health concerns, providing access to licensed doctors worldwide. With the option to schedule a callback appointment on the same day or arrange a telephone or video consultation via the Cigna Wellbeing mobile app, individuals can receive medical support anytime, anywhere.

DECISION SUPPORT- Double-checked diagnosis for added assurance

The Decision Support program from Cigna gives expats access to international medical experts who can offer individual diagnosis and treatment plan advice. Make an informed decision and increase your peace of mind with a second medical opinion and an additional expert recommendation on your treatment options.

Cigna Whole Health Services - Global Telehealth Case Study

WHAT HAPPENED? An expat living abroad was feeling uneasy and experiencing heart palpitations. However, her local hospital didn't have any English-speaking doctors on staff. She jumped on the Cigna mobile app, uploaded her previous medical history, and scheduled a video consultation with an English-speaking medical professional the same day.

WHAT DID CIGNA DO? During the video consultation, the doctor listened to the expat and discussed her symptoms, medical history, drug allergies, and details of other prescribed medicines. The doctor answered several questions to ease the expat's mind and alleviate her concerns.

WHAT WAS THE OUTCOME? The customer felt reassured and more informed about her condition. The advice she received enabled her to book adequate follow-up tests and get the help she needed.

2) Cigna Wellbeing and Behavioral Health Counseling

Cigna's holistic approach to expat healthcare includes Life Management Assistance and Telephonic Wellness Coaching in their International Health and Wellbeing optional add-on.

Expats who need Wellness Coaching or Emotional Counseling can get matched with a pre-screen and accredited English-speaking coach or counselor for

Behavior Health and Emotional Support

Moving abroad is a significant life upheaval. Understandably, expats can struggle with anxiety or depression. Cigna's counseling services are designed to provide you with individual support or couples and family guidance counseling. Their team is here to help you, your partner, or your family through telephone, video, or in-person sessions.

You can explore each topic for up to 6 sessions, and there's no limit to the number of issues you can explore during your coverage period. Cigna wants you to feel supported and empowered as you work through the challenges of expat life.

Expat getting personalized wellness coaching as part of his Cigna Global Medical Insurance

Get a personal wellness coach to help with weight management and fitness goals

Wellness Coaching

With frequent meals out, a lack of routine exercise, and a full social life, living abroad as an expat makes it notoriously difficult to maintain healthy habits. Cigna has you covered with their Telephonic Wellness Coaching program if you want support in achieving your nutrition, fitness, sleep, or weight management goals.

You'll get matched with a personal wellness coach who will help you identify the wellness goals that are most important to you. Together, you'll create an action plan and receive ongoing support to make lasting changes.

3) Control Cigna Global Health Insurance Cost

By offering choices and customization options, Cigna allows expats to personalize their expat health insurance benefits and find a plan that fits their budget and situation.

Cigna offers:

Three types of Expat Health Insurance options- Each type has several options to control your cost and coverage

  1. Cigna Global Insurance Plan
  2. Cigna Close Care Plan
  3. Cigna Healthguard Insurance Plan

Three Choice of Plan Tier- Choosing different plan levels changes maximum benefit limits that drastically change the monthly insurance cost.

  1. Silver
  2. Gold
  3. Platinum

Two Coverage Areas- Prices drop significantly if your worldwide coverage excludes the United States.

  1. Including the United States
  2. Excluding the USA

Four Optional Modules - Need additional coverage? Optional modules such as international outpatient, health and wellbeing, and vision and dental can be easily added to the plan.

  1. International Outpatient
  2. International Medical Evacuation and Crisis Assistance
  3. International Health and Wellbeing
  4. International Vision and Dental

Two Cost-Sharing Options - These are the amounts you must pay out-of-pocket prior to your policy covering your treatment

  1. Deductibles
  2. Coinsurance

 INSIDER TIP : Cost Share Percentage- You can slash your monthly premium cost by 60% or more by selecting higher deductibles or increasing your cost-share . However, cost share lowers your expat health insurance cost but potentially increases your out-of-pocket maximum payments..

Three Insurance Payment Options- Pay your premiums quarterly or annually for additional discounts.

  1. Annual
  2. Quarterly
  3. Monthly

4) Customer Care Team Focused On Expat Needs

Highest Leve of Customer Care- Contact Cigna using live chat, phone calls, emails, or request a callback.

Global 24/7 Customer Care Support- 24-hour access to a worldwide customer service team that answers your call within 20 seconds and can assist you in several languages.

Efficient Service- Guarantee of payment processed within one hour and claims within 5 working days

5) International Expertise And Familiarity With The Unique Challenges of Expats

Extensive International Medical Network

Cigna has a massive worldwide network of pre-screened hospitals, clinics, and doctors who operate to the highest medical standards. With over 1.65 million medical professionals, 14,000 medical facilities, and 175,000 mental health providers, expats are ensured help anywhere in the world

6) Optional Emergency Evacuation and Medical Repatriation Add-On

Cigna's medical evacuation service can be a literal lifesaver in an emergency medical situation. Suppose you get in a severe accident in a foreign country that does not have the medical knowledge or equipment to treat you properly. In that case, Cigna's International Evacuation Service will cover the transportation cost to send you to the nearest medical center of excellence.

This service also provides medical repatriation coverage back to the expat's home country following a severe illness, traumatic event, or surgery. If you can't make it back home, the service even includes coverage for family members to travel abroad on a compassionate visit to support you in times of need.

Cigna Medical Evacuation Case Study

WHAT HAPPENED? An expat living abroad in South America was diagnosed with congestive heart failure and admitted to hospital. The family was concerned the local doctor was pushing for heart transplant surgery.

WHAT DID CIGNA DO? A Case Manager contacted the family and arranged for medical repatriation back to the expat's home country. The family and the patient were much more at ease receiving medical care in a country where they better understood the process, treatment options, and language. Their doctor provided the family with a second opinion. Armed with additional information, they decided a heart transplant was unnecessary.

WHAT WAS THE OUTCOME? The patient is back home and recovering in a familiar environment. Their Case Manager keeps in frequent contact to track progress during the treatment plan.

Cigna Health Insurance Coverage Limits and Benefits

Overall Plan Limits

Annual overall benefit maximum - per beneficiary per period of coverSilverGoldPlatinum
US Dollar$1,000,000
Paid In Full
GB Pound£650,000£1,300,000Paid In Full
EU Euro€800,000€1,600,000
Paid In Full

Plan Deductibles And Cost Share Options

Choice of Deductible Amount
A deductible is the amount of money you initially pay for medical treatment before insurance coverage kicks in.

Cost Share PercentageThis is the % you must pay toward your cost of treatment after meeting your deductible0% / 10% / 20% / 30%
Out of Pocket Maximum
This is the maximum amount you would pay (Deductible + Cost Share)


Standard Cigna Global Health Benefits

Annual overall benefit maximum - per beneficiary per period of cover$1,000,000
Paid in full
Hospital charges
› Nursing and accommodation for inpatient and
daypatient treatment, and recovery room;
› Operating theatre;
› Prescribed medicines, drugs and dressings for
inpatient or daypatient treatment only;
› Pathology, radiology and diagnostic tests (excluding
Advanced Medical Imaging);
› Treatment room and nursing fees for outpatient
surgery (we will only provide the nursing fees whilst a
beneficiary is undergoing surgery);
› Intensive care: intensive therapy, coronary care and
high dependency unit;
› Surgeons’ and anaesthetists’ fees;
› Inpatient and daypatient specialists’ consultation fees;
› Emergency inpatient dental treatment.
Private Room
Private Room
Private Room
Hospital accommodation for a parent or guardian$1,000/€740/£665$1,000/€740/£6651
Pandemics, epidemics and outbreaks of infectious illnesses111
Inpatient cash benefit
Per night up to 30 days per beneficiary per period
of cover.
Accident and Emergency Room Treatment
For necessary emergency treatment.
Transplant services111
Advanced Medical Imaging (MRI, CT andPET scans)
As part of inpatient, daypatient or outpatient treatment.
Cigna pays for:
› Physiotherapy;
› Occupational therapy;
› Cognitive and Speech therapies; and
› Cardiac and pulmonary rehabilitation.
Up to 30 days
Up to 60 days
Up to 90 days
Home nursing$2,500/€1,850/£1,650
Up to 30 days
Up to 60 days
Up to 120 days
Acupuncture & Chinese Medicine$1,500/€1,100/£1,000$2,500/€1,850/£1,6501
Palliative care$35,000/€25,900/£23,275$60,000/€44,400/£38,4001
Prosthetic devices111
Local ambulance & air ambulance services111
Mental and Behavioural Health Care
As part of inpatient, daypatient or outpatient treatment.
Up to 30 days*
Up to 60 days*
Up to 90 days*
Treatment for Obesity270% refund up to
80% refund up to
Cancer preventative surgery70% refund up to
80% refund up to
90% refund up to
Cancer care111
Cancer related appliances
Includes wigs / headbands and mastectomy bras for cancer patients
$125/ €100/£85 per lifetime
per cancer related appliance
$125/ €100/£85 per lifetime
per cancer related appliance
$125/ €100/£85 per lifetime
per cancer related appliance
Congenital conditions$5,000/€3,700/£3,325$20,000/€14,800/£13,300$39,000/€30,500/£25,000
Out of Area Emergency Hospitalisation Cover
For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs.
Global Telehealth with Teladoc
Video and phone doctor consultations via the Cigna Wellbeing App, or via a referral from the Customer Care team for non-emergency health issues.
Unlimited consultationsUnlimited consultationsUnlimited consultations
Routine maternity care2$7,000/€5,500/£4,500$14,000/€11,000/£9,000
Complications from maternity2$14,000/€11,000/£9,000$28,000/€22,000/£18,000
Newborn Care
The newborn may be required to be medically underwritten
$25,000/€18,500/£16,500Up to 90 days$75,000/€55,500/£48,000Up to 90 days$156,000/€122,000/£100,000Up to 90 days

Optional Vision and Dental Benefits and Limits

Eye Test
1 eye examination per period of cover.
Expenses for:
Spectacle lenses;
Contact lenses;
Spectacle frames;
Prescription sunglasses.
Annual Dental benefit maximum - per beneficiary per period of cover.$1,250/€930/£830$2,500/€1,850/£1,650$5,500/€4,300/£3,500
Routine80% refund90% refund1
Major restorative70% refund80% refund1
Orthodontic treatment
Available up to 18 years old
40% refund50% refund50% refund

Optional Wellbeing Benefits and Limits

Life Management Assistance program
24/7 access to counsellors for mental and behavioural health support.
Telephonic Wellness Coaching
Access to a personal wellness coach for lasting lifestyle changes.
Routine adult physical examination$225/€165/£150$450/€330/£300$600/€440/£400
Cervical cancer screening$225/€165/£150$450/€330/£3001
Prostate cancer screening$225/€165/£150$450/€330/£3001
Breast cancer screening$225/€165/£150$450/€330/£3001
Bowel cancer screening$225/€165/£150$450/€330/£3001
Skin cancer screening$225/€165/£150$450/€330/£3001
Lung cancer screening$225/€165/£150$450/€330/£3001
Bone densitometry$225/€165/£150$450/€330/£3001
Dietetic consultations
Up to 4 consultations per period of cover.

Optional Evacuation and Emergency Cover Limits

International Medical Evacuation Annual benefit maximum - per beneficiary per period of cover.111
Crisis Assistance Plus Program
This programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you’re travelling.
Medical evacuation111
Medical repatriation111
Repatriation of mortal remains111
Travel cost for an accompanying person111
Compassionate visit - travel costs
Up to a maximum of 5 trips per lifetime.
Compassionate visit - living allowance costs
Per day up to 10 days per visit.

Optional Comprehensive Outpatient Cover Limits

Annual International Outpatient benefit maximum - per beneficiary per period of
Paid in full
Consultations with medical practitioners andspecialists$2,500/€1,850/£1,650$5,000/€3,700/£3,3251
Telehealth consultations