International Health Insurance
Create your perfect plan with Cigna and combine the reassurance of comprehensive inpatient cover with the flexibility of optional extra benefits.
At Cigna Global, we specialize in international health insurance for globally mobile individuals and their families. Whether you are an expat working or living abroad, someone who has retired to a different country or a student perhaps, we have medical insurance plans you can tailor to your own situation.
We are dedicated to helping our customers better manage their overall health and wellbeing and ensuring our customers have quality care available as and when they need it, allowing them to focus on what matters most, their recovery.
All plans include the following as standard:
Medical essentials
Essential hospital stays and treatments, including: surgeons and specialist consultation fees, hospital accommodation, nursing and medicines
Flexible plans
The flexibility to choose an area of coverage that suits your circumstances,and deductible and cost share options that suit your budget
Tailored medical support
Access to support from Cigna doctors and nurses through our Clinical Case Management programme
Cigna core plans
Silver
The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.
- Annual Benefit Limit: $1,000,000
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Newborn care cover
Gold
Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.
- Annual Benefit Limit: $2,000,000
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Inpatient Maternity
- Access to our Safe Travel app
Platinum
Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.
- Annual Benefit Limit: Paid in full
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Inpatient Maternity
- Mental and Behavioural Health care paid in full
- Access to our Safe Travel app
International Health Plans details
Annual benefit - maximum per beneficiary per period of cover
This includes claims paid across all sections of International Medical Insurance.
Silver
$1,000,000
Gold
$2,000,000
Platinum
Paid in full
Close Care
$500,000
Hospital charges for:
Inpatient & daypatient treatment.
Silver
Paid in full
Private room
Gold
Paid in full
Private room
Platinum
Paid in full
Private room
Close Care
Paid in full
Semi-private room
Kidney dialysis: $5,000
Emergency inpatient dental treatment: $2,500
Hospital accommodation for a parent or guardian
Silver
$1,000
Gold
$1,000
Platinum
Paid in Full
Close Care
No coverage
Inpatient cash benefit
Per night up to 30 days per beneficiary per period of cover.
Silver
$100
Gold
$100
Platinum
$200
Close Care
No coverage
Accident and Emergency Room treatment
For necessary emergency treatment.
Silver
$500
Gold
$1000
Platinum
$1,200
Close Care
No coverage
Transplant services
Silver
Paid in Full
Gold
Paid in Full
Platinum
Paid in Full
Close Care
No coverage
Advanced Medical Imaging (MRI, CT and PET scans)
As part of inpatient, daypatient or outpatient treatment.
Silver
$10,000
Gold
$15,000
Platinum
Paid in Full
Close Care
$2,500
Rehabilitation
We will pay for:
- Physiotherapy;
- Occupational therapy;
- Cognitive and speech therapies;
- Cardiac and pulmonary rehabilitation.
Silver
$5,000
Up to 30 days
Gold
$10,000
Up to 60 days
Platinum
Paid in Full
Up to 90 days
Close Care
$2,000
Home nursing
Silver
$2,500
Up to 30 days
Gold
$5,000
Up to 60 days
Platinum
Paid in Full
Up to 120 days
Close Care
No coverage
Acupuncture and Chinese Medicine
Silver
$1,500
Gold
$2,500
Platinum
Paid in Full
Close Care
Physiotherapy and complementary therapies: $2,000
Palliative care
We will pay for:
- Home care;
- Inpatient and daypatient hospital or hospice care and accommodation;
- Prescribed medicines; and
- Physical and psychological care.
Silver
$35,000
Gold
$60,000
Platinum
Paid in Full
Close Care
Hospice and palliative care: $2,500
Prosthetic devices
Silver
Paid in Full
Gold
Paid in Full
Platinum
Paid in Full
Close Care
Internal prosthetic devices/surgical and medical appliances:
Paid in full
External prosthetic devices/surgical and medical appliances:
$2,500
Local ambulance & air ambulance services
Silver
Paid in Full
Gold
Paid in Full
Platinum
Paid in Full
Close Care
Paid in Full (road only)
Treatment for obesity
Available once the beneficiary has been covered for 24 months.
Silver
No coverage
Gold
70% refund up to $20,000
Platinum
80% refund up to $25,000
Close Care
No coverage
Congenital conditions
Available once the beneficiary has been covered for 24 months.
Silver
$5,000
Gold
$20,000
Platinum
$39,000
Close Care
No coverage
Out of Area Emergency Hospitalisation Cover
For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs.
Silver
$100,000
Gold
$250,000
Platinum
Paid in Full
Close Care
$40,000
Mental and behavioural health care
As part of inpatient, daypatient or outpatient treatment.
Silver
$5,000
Up to 30 days (Inpatient and Daypatient treatment)
Gold
$10,000
Up to 60 days (Inpatient and Daypatient treatment)
Platinum
Paid in full
Up to 90 days (Inpatient and Daypatient treatment)
Close Care
$3,000
Maximum total of 60 days cover, including a maximum of 30 days of inpatient. Combined total of
90 days in any five year period.
Cancer preventative surgery
Silver
70% refund up to $10,000
Gold
80% refund up to $18,000
Platinum
90% refund up to $18,000
Close Care
No coverage
Cancer care
Silver
Paid in Full
Gold
Paid in Full
Platinum
Paid in full
Close Care
Paid in Full
Routine maternity care
Available once the mother has been covered by the policy for 12 months or more.
Silver
No coverage
Gold
$7,000
Platinum
$14,000
Close Care
No coverage
Complications from maternity
Available once the mother has been covered by the policy for 12 months or more.
Silver
No coverage
Gold
$14,000
Platinum
$28,000
Close Care
No coverage
Homebirths
Available once the mother has been covered by the policy for 12 months or more.
Silver
No coverage
Gold
$500
Platinum
$1,100
Close Care
No coverage
Newborn care
The newborn may be required to be medically underwritten.
Silver
$25,000
Gold
$75,000
Platinum
$156,000
Close Care
No coverage
Deductible
A deductible is the amount which you must pay before any claims are covered by your plan.
Silver
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
Gold
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
Platinum
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
Close Care
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
Cost share after deductible
Cost share is the percentage of each claim not covered by your plan.
Silver
Choose your cost share percentage: 0% / 10% / 20% / 30%
Gold
Choose your cost share percentage: 0% / 10% / 20% / 30%
Platinum
Choose your cost share percentage: 0% / 10% / 20% / 30%
Close Care
Choose your cost share percentage: 0% / 10% / 20% / 30%
Out of Pocket Maximum
Silver
Next, choose your out of pocket maximum: $2,000 or $5,000
Gold
Next, choose your out of pocket maximum: $2,000 or $5,000
Platinum
Next, choose your out of pocket maximum: $2,000 or $5,000
Close Care
Next, choose your out of pocket maximum: $2,000 or $5,000
Global Individual Plans
Helping to improve your health, wellbeing and peace of mind.
Why Cigna?
Cigna provides health insurance solutions for people in more than 200 countries and territories, catering for millions who have chosen to relocate to a new country.
Our medical network of 1.65 million hospitals and medical professionals across the world support a globally mobile population with plans that are flexible and can be tailored to suit your unique needs and budget.
Have questions? We’re here to help.
Our expert advisors are on hand to help. Get in touch with our teams to learn more about our health solutions.